Merchant Services: Payment Acceptance

Cater to your customers’ payment preferences, and keep the business coming.

Give your customers the ability to access more safe and secure payment solutions than ever before. There’s a payment option for every business, person and situation, which increases efficiency, cash flow, loyalty and customer satisfaction.

Make it easier to run a successful small business with these solutions from SunTrust Merchant Services:

Clover™ Station

Access everything you need to run your business with Clover™ Station, a reliable and easy-to-use point-of-sale (POS) and business management solution. It blends the security and reliability of a terminal with the flexibility of a cloud-based POS to give you everything your business needs. You can even download loyalty programs, accounting software, table management functionality and more to your Clover™ Station with the Clover™ App Market.

Apple Pay™

Provide customers with a contactless payment option that allows them to make credit and debit card payments with one simple motion on their Apple® device. Find out how SunTrust Merchant Services can help you get started with contactless-enabled (NFC-compatible) devices.

Or, talk with a SunTrust Merchant Services specialist about equipping your business with Apple Pay by calling 866-958-6211.

Card Processing

Handling customer payments quickly and easily is essential. Businesses of all sizes depend on it. That’s why having the right credit and debit card processing partner is key.

With SunTrust Merchant Services, you’ll enjoy:

Faster authorizations—less waiting for outstanding claims, and next-business-day access to merchant funds when depositing to a SunTrust business checking account.

More Options for Convenience—Visa,®1 MasterCard,®2 Discover®3 and Diners Club®4 card acceptance, wireless options for faster checkout, and the option for business customers to pay with Purchasing Cards.

Stronger Protection Against Fraud—secure e-commerce solutions and internet transaction processing, including protection from losses due to bad checks, and comprehensive activity reports.


Visa® is a registered trademark of Visa International Services Association and is used by SunTrust Bank pursuant to a license from Visa® U.S.A., Inc.

2 MasterCard is a registered trademark of MasterCard International Incorporated.

Discover is a registered trademark of Discover Financial Services Corporation.

Diners Club is a registered trademark of Diners Club International.

Apple® and Apple Pay are registered trademarks of Apple Inc.

© 2018 SunTrust Merchant Services, LLC. SunTrust, the SunTrust logo, and SunTrust Merchant Services are trademarks of SunTrust Banks, Inc. Merchant services are provided by SunTrust Merchant Services, LLC, an alliance between FDS Holdings, Inc. and SunTrust Bank. All other trademarks, service marks and trade names referenced in this material are property of their respective owners.

Small Business Resource Center

  • 9 Elements of an Effective Business Plan

    Developing and sticking to a clear, detailed and attainable business plan can help lower the risk of not achieving your business goals.

  • Podcast: How Leaders Learn From Disappointments

    What sets successful leaders apart is their ability to push through challenges and see mistakes as learning opportunities. Jodi Bailey Gill, president of marketing consulting firm The Experts Bench, discusses how to make the best of those inevitable letdowns.

  • 5 Ways to Save that Business Owners Often Overlook

    Establishing and growing business profitability is a top goal for many small businesses. Small business owners must carefully manage spending and should consider 5 tactics to cut costs.

  • What You Should Know About S Corporations vs. LLCs

    S Corporations are under assault from LLCs. Understanding why this is happening is instructive to small business owners and prospective owners struggling with a decision on which structure to use.

  • Top 5 Hidden Costs of Running Your Own Business

    It’s easy to see how things like rent, wages or travel affect your business’s bottom line. But watch out for these 5 hidden costs that could be adding up.

  • Contact

  • Support

      24-hour automated assistance
      800.786.8787 (800.SUNTRUST)


      Online Cash Manager, PC Banking and Bill Pay


      TDD (Telephone Device for the Deaf)


      Report Checking Account Fraud
      800.447.8994 Option 1 - Option 3


      Lost or Stolen Card
      800.786.8787 Option 5


      Directory Assistance
      800.786.8787 Option 7 - Option 5


      International Toll Free
      800.ST.TRAVEL (800.7887.2835)


      Please note that Federal Regulation E outlines the rules and procedures for electronic funds transfers (EFTs) for consumers. The protections and deadlines included in Regulation E do not apply to business accounts. Regulation E only establishes rights, liabilities, and responsibilities for consumer transactions on consumer accounts.

  • Mail



      Write Us
      Mail your questions, comments, or suggestions to (No deposits or payments accepted at this address):
      SunTrust Bank
      P.O. Box 4418
      Atlanta, GA 30302-4418


      Bank by Mail
      You may mail checking, savings, or money market deposits to (Be sure to include a deposit slip or your name and account number. Do not send currency via U.S. mail):
      SunTrust Bank, Special Handling
      P.O. Box 27572
      Richmond, VA 23261-7572


      Consumer Home Equity Line & Access 3 payment address
      SunTrust Bank
      P. O. Box 791274
      Baltimore MD 21279-1274


      All other lines of Credit Payments
      SunTrust Bank
      P. O. Box 79282
      Baltimore MD 21279-0282


      Consumer Loan Payments
      SunTrust Bank
      P.O. Box 791144
      Baltimore, MD 21279-1144



  • Wires


      For more details about Wire Transfers with SunTrust, call 800.947.3786


      SunTrust Incoming wire instructions:


      • For Domestic incoming wire use Routing ABA: 061000104
      • For International incoming wire use SWIFT/BIC: SNTRUS3A
      • Beneficiary account number: SunTrust full account number
      • Beneficiary name: The name as it appears on the SunTrust account

      SunTrust Incoming wire instructions are also available by calling 800.947.3786 - option 1