Business Payment Suite

We have the convenient business solutions you need, including ways to get paid how you want–online, on the go and in person. You can easily and securely process payments seamlessly to optimize your cashflow.

Compare your options to find what works best for your business. 

  • Accept customer payments in the ways that work best for them and your business–in store, online or on-the-go

  • Securely and easily send online invoices, accept card and ACH payments and more

  • Receive and send money right from Online Banking or the TD Bank app

  • Accept in-person, contactless payments right on your iPhone. From contactless cards to digital wallets or wearables–no terminal or hardware needed

Find a Payment Advisor near you to get customized payment solutions

Explore payment solutions 

Offer your customers a range of ways to pay based on what works best for your business.

Merchant Solutions1

Best for small and large businesses looking to process their customer payments in-store, curbside, over the phone or online. 

  • Keep cash flow moving with next-business day deposits5
  • Waive your monthly fees when you open or upgrade to a TD Business Premier Checking account
  • Accept all major credit or debit cards and contactless payments like Apply Pay, Google Pay or other mobile wallets

Merchant Solutions is a great option for restaurants, retail stores, healthcare offices, large corporations and professional services like salons. 

TD Online Accounting2

Best for businesses who want to send online invoices and accept a wide range of digital payments with any major credit card, debit card or ACH.

  • Collect on your invoices faster
  • Payments go directly into your TD Small Business Checking account, typically within 1-2 business days.6
  • Access simple, automated accounting tools to easily track payments

TD Online Accounting is a great option for landscape and construction companies, property management companies, non-profits and consultants. 

Ready to enroll? You can sign up for TD Online Accounting quickly and easily using Online Banking. Enroll now

Need some extra help getting started? Our digital tutorials can help guide you step-by-step how to enroll in TD Online Accounting.


Best for companies who want to send and receive money instantly without worrying about invoices.

  • Receive payments fast–typically within minutes.3
  • Share your email address, U.S. mobile number or QR code and customers can pay you wherever you are
  • Receive and send money right from Online Banking or the TD Bank app

Zelle® for small business is a great option for personal and professional service companies like hair stylists, trainers, pet sitters and more.

Ready to enroll? You can sign up for Zelle® for small business quickly and easily using Online Banking. Enroll now

Tap to Pay on iPhone4

Best for companies who want to receive payments instantly and easily using just their iPhone. Tap to Pay on iPhone is available by enrolling in TD Online Accounting services.

  • Accept contactless card payments easily–anytime, anywhere using just your mobile device
  • Easily collect card, phone or wearable payments and receive payments instantly

Tap to Pay on iPhone is a great option for micro and small businesses, freelancers and consultants.   

Payment acceptance options comparison

TD Merchant Solutions1

TD Online Accounting2


Tap to Pay on iPhone4


Best for companies who: have customers who want to process payments at POS, want access to inventory tracking and reporting, want to track sales, view spending patterns and more

Best for companies who: want to create electronic invoices, accept credit, debit and electronic bank transfers via payment link, plus have access to reporting with the full version

Best for companies who: want to send and receive money instantly, have directory-based payment options, an identical consumer and business experience and have customers who don't want to worry about invoices

Best for companies who: want to receive payments instantly, easily collect card, iPhone and wearable payments through mobile device

Best For

POS-based: Full-service and quick-service restaurants, cafes, retail stores, salons, doctor's offices and more

Invoice based: Landscaping, construction, property management, freelance, non-profits, consultants and more

Peer to peer transfers: Landscaping, contractors, property management, tradesmen, hair stylists, personal trainers, pet sitters, childcare, tutors, coaches and more

iPhone use, no other device needed: Landscaping, construction, property management, freelance, non-profits, consultants and more

Business Size

Micro-large businesses

Micro-small businesses

Micro business

Micro-small businesses

Payment Method

Card and Contactless. Clover POS can also manage cash

Cards, Contactless and ACH



Payment Availability

Next business day

1-2 business days

In minutes

1-2 business days

Additional Benefits

Recurring payments

Access to Clover Market and 300+ apps to help you run your business

Recurring payments

Ability to provide project estimates

QR code capability

Track payments right inside Small Business Online Banking – no need for spreadsheets or complex software

Recurring payments

QR code capability

No need to worry about checks clearing 

Instant acceptance

Not sure where to start?

Just answer a few questions and we'll recommend a payment solution based on your needs 


It’s a term used to describe services that allow your business to accept debit card, credit card and digital wallet payments whether your customers want to make a payment in-person, online, or over the phone.

It’s no secret that the world of commerce is changing and increasingly shifting online. Today, most business-to-customer transactions are made using something other than cash. Because of this shift, it’s important to ensure you’re making things as easy as possible for your customers and not losing sales.

Zelle® is a Payment network where money gets transferred from one person's bank account to another person's bank account, in near real time. Users log into their banking portal and use a mobile phone number, email address, or QR code to identify the receiving party.

Get started with your ideal payment solution

Connect with a Payment Advisor

Find a Payment Advisor near you to get started in person, online or by phone

1All Merchant Solutions accounts are subject to credit approval, additional Terms and Conditions outlined in the Merchant Solutions Processing Agreement will apply.

2TD Online Accounting services are subject to approval and provided by Autobooks, Inc. Fees apply to some accounting features and payment acceptance. See TD Online Accounting Agreement and Autobooks Payment Services Addendum for details and terms.  Autobooks' privacy policy is available at

3Send Money with Zelle®, is available for most checking and money market Accounts in the U.S. To use Send Money with Zelle® you must have an Online Banking profile with a U.S. address, a unique U.S. mobile phone number, and an active unique e-mail address. To send or receive money with a small business, both parties must be enrolled with Zelle® directly through their financial institution’s online or mobile banking experience. Transactions between enrolled users typically occur in minutes.

Your eligible deposit Account must be active and enabled for ACH transactions and Online Banking transfers. Message and data rates may apply, check with your wireless carrier.

Transactions typically occur in minutes when the recipient’s email address or U.S. mobile number is already enrolled with Zelle®. Transaction limitations apply.

4Payment acceptance using Tap to Pay on iPhone requires enrollment in TD Online Accounting, powered by Autobooks, Inc., and the TD Bank app to be installed on your iPhone. The latest version of iOS is recommended. Update to the latest version by going to Settings > General > Software Update. Tap Download and Install. Some contactless cards may not be accepted. Transaction limits may apply. The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC. Tap to Pay on iPhone is not available in all markets. View Tap to Pay on iPhone countries and regions. iPhone is a registered trademark of Apple Inc.

5Next-business-day funding: Fees may apply for optional services. For merchants with a TD Bank settlement account and TD Bank’s standard payment processing setup, funds will be available in the settlement account by 6 a.m. ET on the next business day. Availability may vary based on merchant-selected payment processing gateway and other chosen services, including but not limited to, the use of non-TD Bank settlement account.

6Restrictions may apply for 1–2-day funding availability service.

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