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 several different plans for its POS software: These plans differ in terms of the monthly fees as well as the range of features offered.

Full-Service Restaurant Dining

Starter

The Starter Plan for Clover’s full-service restaurant system is designed to equip your restaurant with a powerful POS system that makes order-taking and payment processing seamless. For $165 per month over 36 months, or a one-time payment of $1,699 plus $89.95 per month, you get a 14″ merchant-facing POS, a cash drawer, and a receipt printer. The plan supports various payment methods, including card tap, swipe, or insert at 2.3% + 10¢ per transaction, and keyed-in payments at 3.5% + 10¢. It also offers advanced order management features like table mapping, bill splitting, and contactless dining, alongside real-time sales tracking and detailed reports to help you manage your business effectively. Whether you’re handling in-house dining or online orders, this plan ensures smooth operations and quick access to your funds with the Rapid Deposit feature.

Standard

The Standard Plan for Clover’s full-service restaurant system offers enhanced functionality with both a 14″ merchant-facing POS and a Flex handheld POS, perfect for tableside service. Priced at $220 per month for 36 months, or $2,298 plus $109.90 per month, this plan includes all the features of the Starter Plan, plus the ability to take orders and payments directly at the table. It also offers quick access to funds with Rapid Deposit and flexible cash advances through Clover Capital.

Advanced

The Advanced Plan for Clover’s full-service restaurant system, priced at $325 per month for 36 months or a one-time payment of $4,097 plus $129.85 per month, is designed for restaurants that need strong management tools to handle complex operations. This plan includes all the features of the previous plans, plus a Station Duo—a 14″ merchant-facing POS with an 8″ customer screen. It also supports tap cards and mobile wallets like Apple Pay and Google Pay, offering your customers more convenient payment options.

Quick Service Restaurant

Starter

The Starter Plan for Clover’s quick-service restaurant system is a good solution for small businesses looking for a compact, efficient solution. Priced at $105 per month for 36 months, or $799 plus $59.95 per month, this plan includes an 8″ touchscreen POS with a built-in receipt printer. You can take orders quickly and accept various payment methods, including card taps, swipes, or inserts at 2.3% + 10¢ per transaction. The plan also includes essential business management tools like real-time sales tracking, online ordering, and inventory management. Optional add-ons, like a cash drawer and kitchen printer, can further streamline your operations.

Standard

For $145 per month for 36 months, or $1,799 plus $59.95 per month, this option provides a powerful setup to streamline your quick service restaurant operations. It includes a Station Duo—a 14″ merchant-facing POS with an 8″ customer screen, along with a receipt printer and cash drawer. You’ll benefit from the same transaction fees, order management, online ordering, and powerful business management tools as the more basic plan, but with additional features to enhance efficiency and customer service.

Advanced

For $200 per month for 36 months or a one-time payment of $2,398 plus $79.90 per month, this advanced option is designed for restaurants that need maximum flexibility and powerful management tools. It includes a Station Duo—a 14″ merchant-facing POS with an 8″ customer screen—and a Flex handheld POS with an 8-hour battery life and built-in receipt printer. This setup allows you to take orders and payments anywhere in your restaurant while managing complex operations with ease, combining all the features from previous plans with added mobility and convenience.

Retail Shops

Starter

For just $11 per month for 36 months, or a one-time payment of $279, this starter option is perfect for small retail businesses looking for an affordable solution. It includes a countertop terminal with a 3.6″ screen and a built-in receipt printer, making it easy to accept payments and manage your business efficiently. Transaction fees are 2.6% + 10¢ for card taps, swipes, or inserts, and 3.5% + 10¢ for manually entered card information. With real-time sales tracking and a single dashboard for managing both online and offline sales, this plan offers essential tools to help streamline your operations. Optional add-ons like a swivel stand, payroll integration, and the ability to build a new online store allow you to customize the system to fit your specific needs. Plus, you can take advantage of Rapid Deposit and Clover Capital for quick access to funds and flexible financing options.

Standard

At $135 per month for 36 months, or $1,799 upfront plus $49.95 per month, this plan equips your business with the Clover Station Duo—a 14″ merchant-facing POS paired with an 8″ customer-facing display. It includes a receipt printer and cash drawer, making transaction management seamless. With transaction fees of 2.3% + 10¢ for card taps, swipes, or inserts, and 3.5% + 10¢ for manually entered card information, you can process payments efficiently. The plan also offers solid tools for item and category management, real-time sales tracking, detailed sales reports, and integration with your existing online store. Additional features like a customer database, loyalty programs, and shift management help streamline operations, while Clover Capital provides flexible cash advances on future credit card sales.

Advanced

For $190 per month for 36 months, or $2,398 upfront plus $69.90 per month, the Advanced Plan enhances your business with both a 14″ merchant-facing POS and an 8″ customer-facing display, along with the Flex handheld POS. The Flex device, with its 8-hour battery life and built-in receipt printer, allows you to take orders and payments anywhere in your restaurant. This plan includes all the features of the previous plans, with the same transaction fees as the Standard Plan, providing a comprehensive solution for efficiently managing your restaurant’s operations both at the counter and on the go.

Professional Services

Starter

This is a good option for businesses looking to manage payments and operations through a web browser without needing hardware. Priced at $0 upfront with a $14.95 monthly fee, this plan allows you to accept payments using your computer, tablet, or phone via the Clover dashboard and mobile app. With transaction fees of 3.5% + 10¢ for manually entered card payments, you can handle all major credit and debit cards, as well as cash or checks. The plan also includes tools for invoicing, automated recurring payments, client notifications, and real-time sales tracking, making it easy to manage your business efficiently. Optional add-ons like a cash drawer and Rapid Deposit ensure flexibility and quick access to funds.

Standard

The Standard Plan is designed for businesses that need the flexibility to accept payments anywhere. For $50 per month for 36 months, or a one-time payment of $599 plus $14.95 per month, this plan includes the Flex handheld POS with an 8-hour battery life and a built-in receipt printer. You can accept payments via swipe, dip, tap, mobile wallets like Apple Pay and Google Pay, as well as PayPal and Venmo. The plan also includes features like promotions, a loyalty program, and support for Clover gift cards, both physical and digital, along with all the features offered in previous plans. This makes it a versatile option for managing transactions on the go.

Advanced

The Advanced Plan offers a practical solution for managing payments at your restaurant counter with the Station Solo, a 14″ merchant-facing POS system. Priced at $125 per month for 36 months, or a one-time payment of $1,699 plus $49.95 per month, this plan includes a receipt printer and cash drawer. It allows you to accept card payments with transaction fees of 2.3% + 10¢ for tapped, swiped, or inserted cards, and 3.5% + 10¢ for manually entered card information. While mobile wallet payments like Apple Pay and Google Pay are not supported, the plan does include features like itemized returns and exchanges, as well as cost tracking by item, making it a strong choice for businesses focused on detailed inventory management and efficient transaction processing.

Personal Services

Starter

The Starter Plan for personal services provides a compact solution for managing payments and running your business. At just $11 per month for 36 months, or a one-time payment of $279, you’ll get a compact countertop terminal with a 3.6″ screen and built-in receipt printer. The plan supports card payments with fees of 2.6% + 10¢ for tapped, swiped, or inserted cards, and 3.5% + 10¢ for manually entered card information. You can also accept payments via mobile wallets like Apple Pay and Google Pay, as well as PayPal, Venmo, cash, or checks. Additional features include a customer database, loyalty program, real-time sales tracking, and shift management, along with the option for Rapid Deposit to access funds quickly for a 1.5% fee.

Standard

This plan includes a Mini 8″ touchscreen POS with a built‑in receipt printer and costs $95 per month for 36 months. You can also make a one-time payment of $799 plus $49.95 per month. It’s possible to add a cash drawer and swivel stand for added convenience. Transaction fees are 2.3% + 10¢ for card taps, swipes, or inserts, and 3.5% + 10¢ for manually entered card information. The system supports various payment methods, including mobile wallets like Apple Pay and Google Pay, PayPal, Venmo, cash, checks, invoices, and recurring payments. Additional features include a customer database, loyalty program, promotions, and Clover gift cards, as well as tools for detailed sales reports, tax reporting, and inventory management. This plan is ideal for efficiently managing your business operations while offering a wide range of payment options to your customers.

Advanced

It features the Station Duo – 14″ merchant-facing POS with an 8″ customer screen and costs $135 per month for 36 months. It’s possible to make a one-time payment of $1,799 plus $49.95 per month. It also includes a receipt printer and cash drawer. Plus, it carries the same transaction fees as the Standard Plan—2.3% + 10¢ for card taps, swipes, or inserts, and 3.5% + 10¢ for manually entered card information—and includes all the features of the Standard Plan, making it an ideal choice for businesses that need a powerful and comprehensive point-of-sale solution.

Home & Field Services

Starter

This plan provides a flexible, hardware-free solution for managing payments and your business through a web browser. At $0 upfront and $14.95 per month, you can use your computer, tablet, or phone with the Clover dashboard and mobile app to accept payments. Transaction fees are 3.5% + 10¢ for manually entered card information, supporting all major credit and debit cards, as well as cash and check payments. This plan also includes features like invoice management, automated recurring payments, client notifications, real-time sales tracking, and detailed sales reports. With tools for item and category management, shift management, and a client database, you can efficiently run your business from anywhere. Plus, Rapid Deposit is available for a 1.5% fee, giving you quick access to funds when needed.

Standard

For $49 upfront plus $14.95 per month, this plan includes the Go mobile card reader, which pairs with your phone to process payments. Transaction fees are 2.6% + 10¢ for cards tapped, swiped, or inserted, and 3.5% + 10¢ for manually entered card information. You can accept payments via cards, mobile wallets like Apple Pay and Google Pay, PayPal, Venmo, and Clover gift cards. This plan also includes all the features from the Starter Plan, such as invoicing, sales tracking, reporting, and customer engagement tools, making it a comprehensive solution for managing your business from anywhere.

Advanced

For $50 per month for 36 months or a one-time payment of $599 plus $14.95 per month, this plan allows you to accept payments and manage your business from anywhere with the Flex handheld POS system. The Flex device offers an 8-hour battery life and a built-in receipt printer, providing the mobility and convenience you need. This plan includes all the features from the Standard Plan, plus advanced options like item variants and itemized returns and exchanges, making it an excellent choice for businesses that require flexibility and detailed inventory management.

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.

Full Service Dining

Starts at $165 /mo

Quick-Service Restaurant

Starts at $105 /mo

Retail Shops

Starts at $11 /mo

Professional Services

Starts at $14.95 /mo

Personal Services

Starts at $11 /mo

Home & Field Services

Starts at $14.95 /mo

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.