An app-rich POS and payments platform from Fiserv, sold direct and through banking resellers.
Best for
Retail and dining businesses wanting an app-rich POS with payments built in, who will read the reseller terms.
Every fee we track, grouped by where it applies.
In-person terminal and tap-to-pay transactions.
Retail Starter. Dining plans run ~2.3-2.6% + 10c. Reseller-dependent; verify.
Retail Starter ~$0-16, Standard ~$50, Dining ~$69.95. Reseller plans run $125-239. $50 used as a representative mid-plan figure.
Reseller-dependent. Verify.
Online checkout and keyed-in card transactions.
Online and keyed/card-not-present. Reseller-dependent.
Retail Starter ~$0-16, Standard ~$50, Dining ~$69.95. Reseller plans run $125-239. $50 used as a representative mid-plan figure.
Reseller-dependent. Verify.
Reseller-dependent. Verify the exact figure in your agreement.
Reseller/Fiserv channel ETF; Clover-direct typically none. Verify.
Processing fees generally not returned. Verify.
Clover-direct often free; reseller plans often charge. Verify.
Clover-direct is flexible; Fiserv channel often 36-month auto-renew. Verify.
Native Recurring Payments API.
Cards, wallets, and other methods supported by Clover for US merchants.
Clover is a point-of-sale and payments platform owned by Fiserv, built around a large app marketplace and a full hardware range from handhelds to countertop stations. It suits retail and dining businesses that want POS software and payment processing in one system.
The catch for buyers is that Clover is sold both directly and through banking resellers, so rates, contract terms, and fees vary widely by where you buy it. Reseller deals can carry multi-year contracts and early termination fees, while Clover-direct plans are more flexible. Read the agreement carefully before signing.
Clover was founded in 2012 and is headquartered in Sunnyvale, USA.
Side-by-side with the closest alternatives by estimated cost.
Assumes $15,000/mo volume, $50 average transaction, 70% in-person and 30% online.
Clover
$511/mo est.
Toast
$533/mo est.
Stripe
$452/mo est.
Square
$452/mo est.
The same questions US merchants ask before signing up.
Clover's pricing depends heavily on whether you buy direct or through a banking reseller. The in-person card rate is around 2.6% + 10c, online is around 3.5% + 10c, and software plans range from a low-cost Starter tier up to higher monthly plans by vertical. Because resellers set their own terms, always confirm the rate, contract length, and any PCI fee in your specific agreement.
It depends where you buy it. Clover purchased directly is typically flexible with no long-term contract, but the same hardware sold through a Fiserv banking reseller often carries a multi-year term with an early termination fee. Read the agreement carefully, because the contract terms vary far more than the headline rate.
Clover offers a full hardware range: the Go reader for mobile payments, the Flex handheld, the Mini compact terminal, and the Station countertop systems for busy retail and dining. Current hardware pricing is shown as Go ~$49-199, Flex ~$599-749, Mini ~$799-849, Station ~$1,499+. Hardware is often leased through resellers, so compare buying outright against the lease total.
Yes. Clover's biggest strength is its app marketplace, which lets you add inventory, loyalty, scheduling, accounting, and many other tools directly to the POS. Combined with native recurring billing, that makes Clover a flexible all-in-one platform for retail and dining businesses that want software and payments in one system.
Clover works for both retail and dining, with dining-specific plans and hardware for table service. That said, a restaurant-only platform like Toast offers deeper hospitality features such as kitchen display and online ordering out of the box. Clover is the better pick if you want one platform spanning both retail and food service.
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