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.
Online checkout and keyed-in card transactions.
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.
Based on $20,000/mo card volume (software plus processing; hardware excluded).
Clover
Shopify
$540/mo est.
Square
$577/mo est.
Lightspeed
$646/mo est.
The same questions US merchants ask before signing up.
Clover pricing depends heavily on whether you buy direct or through a Fiserv banking reseller. Software plans range from a low-cost payments-only tier up to higher monthly plans by vertical, and the in-person card rate and any fees are set by where you buy it. Because resellers set their own terms, Clover is effectively quote-led: always confirm the rate, contract length, and any PCI fee in your specific agreement. The comparison table on this page shows how it sits against transparent systems.
It depends where you buy it. Clover purchased directly is typically flexible with no long-term contract, but the same hardware sold through a banking reseller often carries a multi-year term with an early termination fee. If avoiding lock-in matters to you, read the agreement closely, or choose a month-to-month system like Square or Shopify POS for certainty.
Clover has a full hardware range, including the Clover Flex handheld, the compact Clover Mini, and the Clover Station Duo countertop system. Devices can be purchased outright or financed, with pricing that varies by reseller. The hardware is more capable, and more expensive, than the simple readers offered by flat-rate fintech systems, which suits retail and dining businesses that want dedicated terminals.
Clover includes limited native AI through its reporting and Insights tools, which surface sales trends and basic forecasting from your transaction data. It does not currently publish an official MCP server, so connecting Clover to AI agents is done through its REST API rather than a vendor MCP or a one-click connector. Developers can build custom integrations on the API.
Yes. Clover offers plans for both retail and dining, including a Table Service plan with floor plans and coursing for restaurants, plus a large app market for inventory, loyalty, scheduling, and more. It is one of the more extensible POS platforms in the US. The main caution is the reseller model: the depth is real, but the rate and contract you get depend on where you buy it.
Square is the simpler, more transparent choice, with one flat card rate, no monthly fee on the free plan, no contract, and a free POS app sold and supported directly. Clover is the more powerful, app-rich platform with a broader hardware range, but it is sold both direct and through banking resellers, so its rate, contract, and fees vary widely. Square suits businesses wanting predictability; Clover suits those wanting depth who will read the agreement.
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Compare Clover against every other US provider on price, contract terms, and features.
