Clover - Top Merchant Services

Our Verdict

Overall, Clover provides excellent value for money invested in a merchant service and POS system. It offers all the features necessary to operate an efficient point of sales service and collecting timely payments from the customers. While Clover is mainly used by small and medium businesses, it is equally recommended for large businesses, due to the great reliability and security offered by the business. If you are looking for an appropriate POS and payment service, Clover should be your top-most priority.

Pros

All-in-one solutions
Competitive pricing
Wide range of app integrations
24/7 customer support

Cons

No free hardware to get started
Lack of online application option
Clover hardware mandatory for some features

Plans & Pricing

Clover currently offers five different plans for its POS software: Payments Plus, Register Lite, Register, Counter Service Restaurant and Table Service Restaurant. These plans differ in terms of the monthly fees as well as the range of features offered. Clover offers a trial period as well as a full refund for the return of its hardware components.

Payments Plus

This plan starts from just $4.95 per month and is suitable for new or small businesses. The processing charges are $2.3% plus 10 cents for every in-person transaction, and 3.5% plus 10 cents for every keyed-in transaction. It includes all the necessary features required to conduct credit and debit card transactions. It also enables e-commerce integrations, provides access to basic sales reports and uses dashboards for employee and customer engagement.

Register Lite

At $9.95 per month, the key additional features offered by this package include order and inventory management. The processing charges are $2.7% plus 10 cents for every in-person transaction, and 3.5% plus 10 cents for every keyed-in transaction. Under the Register Lite Plan, businesses can create and track orders and generate simple inventory menus. There are additional reports related to taxation and class-wise reporting under this package.

Register

This is the standard plan offered by Clover at $39.95 per month. The processing charges are $2.3% plus 10 cents for every in-person transaction, and 3.5% plus 10 cents for every keyed-in transaction. It includes a range of additional features that medium to large businesses require, such as online ordering, bar tabs, cost tracking, and cost reporting. If you want to manage your business inventory and need to have a one-window overview of the costs, this should be your default choice.

Counter Service Restaurant

The features included in this package are similar to the ones under Register package, except that this package is suitable for restaurants. It includes restaurant-specific features, such as order type, menu management and restaurant reporting.

Table Service Restaurant

This package is, once again, directed towards restaurants and priced at $69.95 per month. The transaction charges are $2.3% plus 10 cents for every in-person transaction, and 3.5% plus 10 cents for every keyed-in transaction. It includes the most comprehensive range of features, including scan to pay, bill-splitting, table mapping and floor plans. The cost of this package, however, is on the higher side and may not be suitable for new businesses.

Overall, Clover offers competitive pricing packages and low per-transaction rates that retail businesses of all sizes can avail. Clover is widely popular among restaurants, given the tailored packages it offers to the industry. The pricing is definitely not the lowest, but reasonable, given the high quality and reliability that Clover offers.

Payments Plus

$4.95 /month

Monthly plans

Register Lite

$9.95 /month

Monthly plans

Register

$39.95 /month

Monthly plans

Counter Service Restaurant

Monthly plans

Table Service Restaurant

$69.95 /month

Monthly plans

In-depth review

Features and Functionality

The solutions offered by Clover include all the features necessary to conduct and process an electronic transaction. It accepts all debit and credit cards as well as NFC payments. The offline payment processing feature is also available. The hardware offered by Clover is constantly rated as being durable and long-lasting. The POS interface is particularly easy to use, and Clover offers a range of reports for businesses to support their decision-making. Clover is compatible with mobile phones and can be accessed via web browsers on both Mac and Windows.

Inventory Management

Clover outperforms the competition in terms of the inventory management tool it offers. While the tool is only included in Register Lite or upgraded subscriptions, it is worth trying. Both retailers and restaurateurs can utilize this tool to seamlessly manage their orders and inventory levels.

Easy-to-Use Interface

One of the major reasons behind Clover’s popularity is the incredibly intuitive interface. Clover understands that most of its users are not software experts but point-of-sales personnel, which is why it keeps the complicated features at bay. Clover is simply a breeze to set up, thanks to it simplistic design.

Customer Management

Clover stands out in offering the customer management tool with its POS services. Businesses can build customer loyalty by creating customer profiles, sending personalized emails, adding reward points, soliciting feedback. This feature helps not just the traditional brick-and-mortar businesses, but also the online businesses using Clover.

Restaurant-Specific Features

While Clover can be used by all retailers, it offers additional features for restaurants and food businesses. These include, for example, the option to map tables, arrange floorplans and use tableside ordering. This makes it a particularly interesting option for businesses in the food industry.

Rapid Deposit Functionality

Clover also offers a rapid deposit and transfer facility. This means the funds can be transferred within minutes, unlike some service providers which make periodic or 2nd-day transfers. Prompt, secure transfers have been the underlying cause behind Clover’s success.

Hardware Requirements

Clover can be used with Android or iOS systems. The business itself offers the following hardware that is used in combination with its software services:

Clover Go

Sold for $69, this mobile device works on iOS or Android and syncs with all other Clover products.

Clover Flex

This is a complete POS system that can be operated from the palm of the hand and costs $499.

Clover Mini

Priced at $749, Clover Mini is a compact counter-top POS system.

Clover Station

A classic offering sold for $1,349, this is a full countertop POS system designed to meet the needs of larger businesses.

Clover Station Pro

This is the most recent offering priced at $1,649. In addition to Clover Station features, it also includes a customer-facing screen.

Integrations & Add-ons

Modern business is all about integrations. No entity can afford the time burden and costly mistakes that arise in manual transfer of data from one platform to other. Clover understands this very well, and offers a wide range of integration option. From accounting software through to payroll services, you can completely integrate Clover with them all. Some commonly integrated apps supported by the platform include Shopify, Magento, QuickBooks, Paychex, Gusto and Pointy.

Ease of Use

Clover POS and merchant services are particularly preferred by new or small businesses due to their simplicity and easy-to-use interface. New users can quickly learn how to operate Clover, and the 24×7 customer support covers you round the clock in case of any problems. There is a dedicated FAQ section, a blog page and a community forum, where complicated issues can be explored.

Customer Service

Clover offers phone and email support 24 hours a day, 7 days a week. Customer support has often been rated as one its pre-eminent features.

Phone Support

Customer service can be availed via phone call

Clover teams can also be reached out via email

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Andrew Omalley

Andrew is a freelance writer who has been crafting valuable pieces of content relating to personal finance for more than five years. Previously, he studied Economics & Finance at university and he has professional qualifications relating to financial advice.

We make the best effort to present up-to-date information; however, the terms of each offer can be revised according to the service provider’s discretion. The above shall not be considered as an expert or professional advice for any matter.