Frequently asked questions (FAQ)

We offer several top-of-the-range, powerful card machines and point of sale (POS) devices. Our Clover POS solutions make it easy and efficient to take payments and manage your business, whether you're serving diners at the table, taking payments over the counter or billing customers on the road.

Each POS comes with smart and secure payment technology and accepts all the usual ways to pay, from contactless to Apple Pay and Android Pay. You can see which is best suited to your business on our Compare Clover page with links to more information about each POS solution.

Times vary from application to application depending on variables like the product you choose, what information we may need from you and how many other applications we're handling at that time. We will of course keep you regularly updated during your application and will do our best to get you up and running as quickly as we can.

Reference searches are mandatory for any new business application as part of the government’s Anti-Money Laundering regulations.

Credit checks are mandatory for any new business application.

We don't have fixed fees for our services but instead set our rates independently for each business based on a range of influencing factors including your current or projected turnover, whether you're new to taking card payments and what your average transaction value is.

As one of the biggest payment service providers in the world, we're in a fantastic position to offer extremely competitive pricing so feel free to contact us to discuss your needs on 01268 820531 between 9am and 6pm, Monday to Friday.

Typically, you'll receive your funds between three to five working days after the transaction date. If you qualify for faster funding, you could receive your funds the next working day. If you're unsure if you qualify for faster funding or would like to find out how you can, just contact our sales team.

Your Terminal ID number is a unique eight-digit number located on the back of your payment terminal or POS device. We use your Terminal ID numbers to identify the payment terminals and POS devices linked to your Clover account.

Your Merchant Account number is a unique 15-digit number starting with the prefix 520334. We use it to identify your account or group of accounts in any enquiries you may have.

We don't have fixed fees for our services but instead set our rates independently for each business based on a range of influencing factors including your current or projected turnover, whether you're new to taking card payments and what your average transaction value is.

When joining Clover UK, your Business Consultant will talk you through your individual rates and you can also contact your Personal Concierge who will be happy to help with any further information.

You can view your statements and transactions by using our Business Track System.

Locating statements will show all monthly statements, each new statement will auto generate to the account each month.

All options will be located on the left-hand side of the web page

• Please select 'Summary & Documents'
• Enter MID into Hierarchy
• Choose from the available month's statements
• Please open the pop-up PDF

You can view your transactions by using our Business Track System.

A transaction report can be requested to view the individual transactions within a processed batch.

In Business track go to Settlement>Search

• Enter date range
• Enter MID in the Site hierarchy section
• Select GO

Just above the date range field Select Fields>Additional Fields to add additional date (Terminal ID)

If you have already registered, please follow the link below.

Merchant Portal

If you have not already registered, you should have received an email when you joined us, providing details on how to register. If you do not have these details, please contact our support team or your personal concierge via Email, Webchat or Phone.

To reset your Business Track password, follow these steps:

1. Visit the Business Track homepage.
2. Click on Merchant Login.
3. Select the ‘Having Trouble Logging In?’ link.
4. Follow the instructions to reset your User ID and/or password.

Keep in step with the latest card data security standards. Everyday businesses like yours are encountering threats from criminals intent on obtaining customers’ credit and debit card details. Being PCI compliant, you protect your customers from losing valuable card data and safeguard yourself from possible legal issues and certain fines from the credit card companies. 

To view your current compliance status and for any other help, you can access the PCI Portal here.

You can update your business address details by emailing your Personal Concierge or our support team from your registered email address. Your request will need to include the following information:

●      Your Merchant Account number

●      The current business address and the new address you want to change to

●      A quick explanation of whether you’re changing the trading address, the billing address or both

●      Advise if you would like your terminal receipts amended to match the request

If you require further support, you can contact our support team or your personal concierge via Email, Webchat or Phone.

To help us continually improve the service we provide at Clover UK, we ask for feedback from our merchants every 12 months and will contact you via email. We would be grateful if you could spare a few moments of your time to complete the survey titled "Clover UK from Fiserv would like your feedback" when you do receive it.

Your agreement with us does not contain a 'cooling off' period. If you are having any concerns or issues after joining, please contact your personal concierge who is on hand to assist with any problems.

You can access your portal from Business Track | First Data.

It’s a self-serve website where you can create your account easily and then access your account details. If you need assistance, feel free to reach out to our Helpdesk for guidance. 0345 606 5055

We don't have fixed fees for our services but instead set our rates independently for each business based on a range of influencing factors including your current or projected turnover, whether you're new to taking card payments and what your average transaction value is.

When joining Clover UK, your Business Consultant will talk you through your individual rates and you can also contact your Personal Concierge who will be happy to help with any further information.

You can update your business address details by emailing your Personal Concierge. Your request to update will need to  include the following information:

●      Your Merchant Account number

●      The current business address and the new address you want to change to. 

●      A quick explanation of whether you’re changing the trading address, the billing address or both.

●      Your Terminal ID number, if your receipts will need to be updated with the new address. You can find your eight-digit Terminal ID number on the back of your terminal or POS device and you’ll need to provide one for each terminal or POS that needs to be updated.

You can read and download a PDF copy of your Merchant Conditions here.

You can read and download a PDF copy of your Operating Guide here.

Your billing date is on or around the 14th day of each month – this is when we automatically take your merchant charges and any other fees from your account if you have a Direct Debit set up. If you don’t have a Direct Debit set up, we automatically take these charges and fees directly from the funds we pay you – this is known as ‘net settlement’.

At the moment you can’t change your billing date, no.

You can change your company’s trading name by email or post. Your request to change will need to be signed by either the company owner or a director and must include the following information:

●      Your Merchant Account number

●      The current trading name and the new trading name, written exactly as you’d like it to be registered.

You can then email this information to UKcustservice@fiserv.com or post it to Clover, PO BOX 280, Lowton Way, Hellaby, Sheffield, S98 1RU.

You can change your company’s bank account details using this Change of Banking Information Form here. If you have additional Merchant IDs, you can also use the Change of Banking Continuation Sheet here. You can also do this by email or post and must include the following information:

●      A signed cover letter from the company owner or a director.

●      A completed Direct Debit Mandate (DDM) form, which you can request from us directly via webchat or by calling our helpdesk, details of which you’ll find on our Contact support page.

●      Proof of your new company bank account – this could be a welcome letter from your new bank, a voided cheque, a deposit slip or a bank card (in which case you should cover the number on the card but make sure your company name is visible).

You can then email this information to UKcustservice@fiserv.com or post it to Clover, PO BOX 280, Lowton Way, Hellaby, Sheffield, S98 1RU.

If you’re also changing any of the below details alongside your bank account you’ll need to speak to our sales team directly, as this may require a change of legal entity for your business:

●      Your company registration number

●      The legal entity of the account

●      Anyone named on the bank account

●      The services or products your business provides

● You can read and download a PDF copy of the Information Security Policy template  here.

● You can also download a PDF copy of our Security Guide to assist you here.

If you need new till rolls for your Clover device, you can order them from Primatel by visiting www.primatel.co.uk. If you’re unsure which till roll you need, you can call and ask Primatel on 0800 0323 413.

If your reporting isn’t showing any card transactions, it’s likely because you’re logged into your Clover device as a quick access employee. Just log out of your device and log back in using your Clover admin code to see your reporting.

If you can’t complete a refund, it’s likely because you’re logged into your Clover device as a quick access employee. Just log out of your device and log back in using your Clover admin code to complete the refund.

If you haven’t received the reset link you requested from your Clover dashboard, you may be logged into www.clover.com when you need to log in to www.eu.clover.com. If you still aren’t receiving your reset link once you’ve logged in and requested it from www.eu.clover.com, please check your junk mail folder and make sure the email isn’t being blocked by a firewall. 

If your Clover device says that your Wireless Manager is about to expire, it means your 30-day free Wireless Manager trial is coming to an end. Wireless Manager allows you to access 3G and use your Clover device without a WiFi or plugged-in internet connection, so we recommend you leave it on.

If you want to stop using Wireless Manager and stop any charges being taken from your account, you can turn it off via the Wireless Manager app by selecting ‘Disable’ on the SIM. If you want to continue using Wireless Manager, you don’t need to do anything and we’ll automatically bill you for this service on your normal billing date.

If your Clover device won’t connect over 3G using its SIM, there are a few things you can try:

●      Turn off and restart your device.

●      Check the 3G coverage in your area to make sure there’s reception.

●      Try using a WiFi connection instead.

●      Try using a personal hotspot from another connected device like your smartphone.

●      Check your Clover device is recognising the Access Point Name (APN) within its Settings. The APN for your Clover SIM should be ‘Clover (ATT US)’.

If you’re using a third-party network SIM, you may need to set up and add the APN. You can do this by:

1. Going to ‘Settings’ and selecting ‘More’.
2. Select ‘Mobile Networks’ and then ‘Access Point Names’.
3. Select the add ‘+’ symbol in the corner of the screen.
4. Select the relevant network you’re using and then select ‘Save’.

If you need to search for available networks, repeat steps 1 and 2 above but select ‘Network operators’ instead of ‘Access Point Names’ and then repeat steps 3 and 4.

If you can’t get your Clover device to connect to the internet via your phone line, there are several things you can try:

●      First, try connecting a different device such as a laptop to the same network and load help.clover.com to check the network is functioning properly.

●      Turn off and restart your router and make sure it’s connecting to the network properly or try a different router.

●      Turn off and restart your Clover device.

●      Turn off the Ethernet connection in your Clover device settings, wait one minute and then turn it back on again.

●      Unplug the Ethernet cable from the phone line socket and Clover device and plug it back in. Restart your device and wait five minutes for it to reconnect.

●      Try using a different phone line socket, Ethernet cable or phone line port in your device.

●      Remove any network switches or extensions between your device and the router.

●      Check you don’t have any network restrictions or firewalls blocking your internet connection (for example like you may find in schools). If this is the case, contact our customer service helpdesk who can provide you with our port numbers you can then give to your network provider to be whitelisted on their network.

●      Try connecting your Clover via a WiFi or mobile network (if applicable) or use a personal hotspot to see if there’s a fault with your device.

If you can’t get your Clover device to connect to the internet via WiFi, there are several things you can try:

●      First, try connecting a different device such as a laptop to the same network and load help.clover.com to check the network is functioning properly.

●      Turn off and restart your router and make sure it’s connecting to the network properly, or try a different router.

●      Turn off and restart your Clover device.

●      Turn off the WiFi connection in your Clover device settings, wait one minute and then turn it back on again.

●      Forget and then add the network in your Clover device settings.

●      Make sure you’ve entered the correct WiFi password and check carefully for things like capital letters.

●      Check your router and Clover device aren’t so far away from each other that your device can’t connect to the router.

●      Try connecting your device to a different network, for example a home network, to check it’s working properly.

●      Try connecting your device via Ethernet, a mobile network (if applicable) or use a personal hotspot to see if there’s a fault with your device.

To find your Clover device’s serial number:

1. Go to the Help application on your Clover device.
2. Select the dropdown menu in the top left corner of your screen and select ‘Diagnostics’.
3. Select ‘Additional detail’ and you’ll see your serial number labelled as ‘This device’ just above the bar code.

You can find your Merchant Account number in several places on your Clover device:

●      Go to the left most screen from your homepage

●      Go to your Clover dashboard

●      Go to your device’s Help section

If you see a ‘Tampered’ message on your Clover display, it means your device has been tampered with or there has been a software fault. In either case you’ll receive an email from us with instructions on what to do next but rest assured we’ll replace your device as quickly as we can and you just need to keep hold of all your connection cables. If you don’t receive an email you can contact our customer service helpdesk.

At Clover, your success is our priority. Your dedicated Personal Concierge is here to address your specific needs and enhance your experience. They’re committed to helping you every step of the way by providing assistance and guidance. Please contact your Personal Concierge if you have questions or need any assistance, their contact details can be found in your welcome email.

Tech support – Clover provides technical support 7 days per week between 8am and 12am. This includes both software (Errors, device resets, updates, etc.) and hardware (Replacement parts, accidental damage, device replacement). 
 
Device management – Your Personal Concierge will work with merchants to identify opportunities to better support their business with Clover’s device suite. From additional devices for growing businesses, walkthroughs of our extensive Clover App Store solutions, swaps and upgrades for older devices and more.

Statement questions  – They provide a full walkthrough of each merchant’s statements, including rates and fees, where to see transaction info and how funding will work for them. 
 
Account admin – Your Personal Concierge will provide all onboarded merchants with a single point of contact for all questions and enquiries, including change of address, change of bank, online access and much, much more.

We do not have fixed fees for our services, but instead set our rates independently for each business based on a range of influencing factors, including your current or projected turnover, whether you're new to taking card payments, and what your average transaction value is.

All devices are kept up to date with the latest Operating Software/Required Changes with either (depending on the product) daily, weekly or monthly automated overnight updates. We'd recommend you keep your devices powered on and connected to your network overnight to allow this to happen as seamlessly as possible.

Helping your business grow is important to us, if you would like to order new devices, you can email your personal concierge who will be happy to discuss your needs further.

We are glad that you would like to recommend a friend to Clover, you can do this by following the link below. For each friend you recommend, you will receive a £100 Amazon voucher when they begin their journey with Clover UK

https://uk.clover.com/referral-network/

We've partnered with Primatel as our recommended terminal and point of sale (POS) stationery supplier. A family run business, Primatel offers a wide range of terminal and Clover stationery and accessories along with fantastic customer service to help make sure you get what you need.

To get everything from paper rolls and payment card machine spare parts to inks and ribbons, terminal pole mounts and shields, visit www.primatel.co.uk. Just sign up or log in if you already have an account and select your machine type from the options to place an order. If you need any help, you can email them on fiserv@primatel.co.uk or call free on 08000 323 413.

With your Fiserv merchant account and card terminal or Clover point of sale (POS) device you can accept almost every major way to pay, including:

●       Visa, Mastercard, American Express, Diners and Discover

●       Contactless

●       Chip & PIN and swipe

●       Apple Pay and Android Pay

●       Mail Order and Telephone Order (MOTO)

●       Online

●       Via a payment link

Not all of these payment types are available on your account by default. For example, you'll need to add MOTO payments to your account to start taking payments this way and fees may vary. To add MOTO payments to your account, call us on 0345 606 5055 Monday to Saturday between 8am and 9pm.

Yes, we offer features such as Dynamic Currency Conversion (DCC), which lets you accept payments at your point of sale in different currencies from international cards. To discuss whether this service is available to you and which currencies you'd like to accept, just call us on 0345 606 5055 Monday to Saturday between 8am and 9pm. Please note: Certain criteria may apply.

We do everything we can to make sure you have a great experience using our payment processing services, but also understand problems can arise and sometimes you may want to complain. Clover (formerly First Data/Fiserv) is regulated by the Financial Conduct Authority (FCA) and if you do have reason to complain, we'll take a balanced and fair view of the situation and do what we can to help fix the problem.

The Financial Services and Markets Act 2000 lays down a standard procedure that we aim to meet when handling customer complaints: to register your complaint, you can contact our Customer Care team by phone, email or letter:

●      Call: 0345 606 5055, Monday to Saturday between 8am and 9pm

●      Email: CloverUKComplaints@fiserv.com

●      Write to: Janus House, Endeavour Drive, Basildon, Essex SS14 3WF

We take every complaint seriously and can deal with many of them straight away but some do take a little time to investigate thoroughly, in which case we'll get a specialist from our Customer Care team to resolve the issue. The FCA gives us eight weeks to resolve all complaints.

If for any reason you're not happy with the outcome of your complaint, we ask you to first contact us explaining what you think we can do to put it right. If you're still not happy, you can refer your case to the financial ombudsman service (www.financial-ombudsman.org.uk) by phone, email or letter:

●      Call: 0800 023 4567

●      Email: complaint.info@financial-ombudsman.org.uk

●      Write to: The Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR

PCI DSS stands for the Payment Card Industry Data Security Standard. This standard is managed by the Payment Card Industry Security Standards Council, set up by the payment card brands (MasterCard, Visa, American Express, Discover and JCB).

PCI DSS outlines the minimum security requirements to help businesses handle payment information securely.

The card brands require that any business accepting cards for payment of goods or services must be compliant with the PCI DSS. 

To report your PCI DSS compliance for your business you need to identify and complete the appropriate Self-Assessment Questionnaire.

Securing your business requires the following steps:

•      Analyse your business practice and processes

•      Research the appropriate security solutions for your business

•      Implement and maintain security solutions.

Central to this is that you protect your customers’ payment card data. You must make sure that you have security controls in place at all times to maintain your compliance.

Your customers trust you to keep their information safe, you need to repay that trust with, at the very least, compliance with the PCI DSS.

We offer features that help ensure every payment you take is PCI compliant at the point of sale, so you protect not only your customers but also your business by reducing your exposure to data theft and potential fines from debit and credit card companies. For help with PCI compliance, please call us on 0330 808 1606 Monday to Friday between 9am and 5pm.

Our customer support call centre and merchant helpdesk is based in the UK.

Our opening hours vary depending on the department you want to get in touch with, although they're typically 9am to 5pm, Monday to Friday. To find out up to date opening hours for the department you want to speak to, take a look at our Contact page.

A chargeback is when a previously cleared transaction is reversed. The cardholder’s account is credited with the amount of the sale and the merchant’s account is debited.

A chargeback is initiated by the issuing bank and is normally at the request of the cardholder or, on rare occasions, the issuing bank.

You can see all your chargebacks, as well as other helpful reports, by logging into your Clover account here. Then simply:

1.       Click ‘Report’ in the toolbar 

2.       Select ‘Create a Report’ from the dropdown

3.       Select ‘Disputes’ as the report category 

If you require further support, you can contact our support team or your personal concierge via Email, Webchat or Phone.

Up to 180 days after the original transaction date. However, there are exceptions to this: for example, when goods or services are paid for in advance, like a holiday.

You can see all your chargebacks, as well as other helpful reports, by logging into your Clover account here. Then simply:

1.       Click ‘Report’ in the toolbar

2.       Select ‘Create a Report’ from the dropdown

3.       Select ‘Disputes’ as the report category

Yes, there’s a small charge attached to chargebacks. To find out the exact amount, please refer to your Merchant Agreement. 

The most common reasons for chargebacks are when the cardholder:

•  Doesn’t recognise the transaction on their bank statement
• Hasn’t received the goods or services
• Disputes the quality of the goods or services

Or when there was no valid authorisation gained or an old authorisation code was used.

Here’s a more detailed look at the various reasons for chargebacks and what can be done about them:

There are a number of things that can be done:

• Make sure you and your employees are aware of the warning signs for fraudulent transactions
• Take the payment via a secure method, i.e. Chip and PIN or using 3D-Secure
• Keep receipts – in line with PCI DSS regulations for up to 12 months, contractual agreements or evidence of transactions
• Try and resolve the issue with the cardholder

Where you can, cancel and refund the order and do not ship the goods or provide the service. If this is not possible then try to contact the cardholder to resolve the issue.

Here are some simple questions you can ask yourself to help spot the warning signs:

• Is the card damaged or does it look altered? Things to look out for are stickers, and any change to the chip, mag strip or signature
• Does the customer’s gender match the card details?
• Is the customer acting suspiciously or do you feel they’re trying to distract you?
• When taking a card not present or Mail Order Telephone Order (MOTO) transaction, is the delivery address the same as the billing address? A red flag is if the delivery and billing address is abroad
• Is the order a lot higher than you’re used to seeing? A fraudster may be trying to maximise the amount they can spend on a stolen or cloned card
• Has a customer tried to use several different cards, some of which may have been declined? This may be because a fraudster is trying to use several stolen or cloned cards
• Has a customer asked for goods to be picked up by a courier or third party? This may be because a fraudster is trying to keep their anonymity  

Friendly fraud is chargeback fraud. This happens when a customer makes a purchase with their credit or debit card online and then asks for a refund after receiving the goods or services.

A common cause for friendly fraud is when customers don’t recognise the merchant name or location on their bank statement. The name that appears on their bank statement should be your business name or website address.

If you’re not sure how your business appears on customers’ bank statements or want to change your details, this can be easily done by speaking to our customer service helpdesk on 0345 606 5055. Our lines are open between 8am and 9pm, Monday to Saturday. 

You can see all your chargebacks, as well as other helpful reports, by logging into your Clover account here. Then simply:

1.       Click ‘Report’ in the toolbar

2.       Select ‘Create a Report’ from the dropdown

3.       Select ‘Disputes’ as the report category

Business Capital is a funding solution that provides quick access to cash. There's no interest. Just one fixed cost*, so you know exactly how much you will pay. The balance is paid automatically as an agreed percentage of customer card transactions - meaning you simply pay when your customers pay you.

This flexible solution takes away the stress of fixed monthly payments and allows you to focus on what really matters - your business.

Business Capital is provided by our referral partner, Liberis.

If you require further support, you can contact our support team or your personal concierge via Email, Webchat or Phone.

Find out more about Business Capital here

*You will be expected to operate your business in a way that ensures Liberis recieves a minimum monthly amount of up to 3% of the total amount owned to Liberis.

Business Capital doesn't set a maximum payment period. Instead, it aligns your business's card transactions with a percentage-based payment system. You pay more when sales are higher and less during slower periods. There's no fixed payment term, and the total Business Capital amount remains constant, regardless of how long it takes to pay.

No, you do not pay traditional interest with Business Capital. Instead, you agree to a single fixed cost upfront, which is added to the total Business Capital amount. This cost does not change, regardless of how long it takes for you to pay, so there are no hidden fees or interest charges.

Applying for Business Capital with Liberis through Clover will not affect your credit score. However, please be aware that entering into an agreement for Business Capital may influence your credit score over time depending on how the finance is managed.

To be eligible for Business funding through Clover's Business Capital, your business must meet the following criteria:

• Have a trading history of at least four months card transactions.
• Be an existing Clover customer.
• Process a minimum of £1,000 in card payments each month.

These criteria ensure that the business has a steady track record of card sales, making Business Capital a suitable option for your business's funding needs.

With Clover's Business Capital, provided by Liberis, you can apply for a Business Capital ranging from £1,000 to £500,000. The exact amount your business can receive will depend on factors such as your card payment transaction volumes and your business's overall financial health. Each application is subject to status and underwriting processes conducted by Liberis before any offer can be made to ensure the amount advanced is suitable for your business needs.

A portable card machine allows you to process credit and debit card payments away from one fixed location. Once a portable card machine is connected to the specified Wi-Fi, it will work anywhere within that Wi-Fi range.

You can use a portable card machine in the same way you would use a stationary, countertop card machine; the main difference is that it’s portable and can be used anywhere within the connected Wi-Fi range or with 4G LTE. Simply insert (chip and PIN) or tap (contactless) a credit or debit card, or device and the payment is processed as normal.

If you’d like to get a Clover Flex portable card machine, or if you’d like further information about the product, contact our Sales team today.

To get a quote for our Clover Flex portable card machine, simply contact our Sales team today.

To charge your Clover Flex handset, simply plug the device into the charging cradle. Be sure to charge the handset for at least 30 minutes before use.

A portable card machine works by connecting to a specified Wi-Fi and functions from anywhere within the Wi-Fi’s range. A mobile card machine, on the other hand, connects wirelessly to the strongest signal available through a SIM card. Clover Flex allows you to do both.

The types of businesses that can benefit from a portable card machine are those that trade 'on-the-go' from locations with an accessible Wi-Fi signal. This could include pubs, bars, restaurants, cafes, hotels, salons, and spas, to name a few.

The best portable card machine for a small and medium business is one that’s powerful, convenient, easy to use, and packed full of supportive apps. The Clover Flex is a dynamic portable card machine that includes all these features, as well as many others.

A card reader reads the data on the card provided (whether it’s inserted for Chip and PIN or swiped/tapped using near-field communication). The full process can be broken down into 4 steps: 

1) Authentication: The data that is embedded on the card is authenticated. 
2) Verification: The merchant’s payment processor contacts the customer’s card issuer (usually a bank) to verify the card. 
3) Authorisation: The card issuer then checks the funds in the cardholder’s account and authorises the payment. 
4) Confirmation: Once authorised, a response is sent back to the card reader to confirm that the transaction has been approved. 
Most importantly, all the above occurs in a matter of seconds!

Most modern card readers will allow you to either insert your card and then enter your PIN (Chip and PIN), or swipe/tap your card (or mobile wallet) using near-field communication contactless technology.

You may also see or hear a card reader referred to as a card machine, a card terminal, a PDQ machine, or a payment terminal.

If you would like to purchase one of our Clover card readers, or if you’d like further information about any of our products, simply contact our Sales team today.

To get a quote for any of our Clover card readers contact our Sales team today. 

If you would like to purchase one of our Clover card readers, or if you’d like further information about any of our products, simply contact our Sales team today. 

Yes. A card reader is just another name for a card machine. However, that doesn’t mean that other devices labelled card machines or card readers come as fully equipped and capable like our Clover devices.