About Clover

Category: Merchant Services
Clover is one of the world’s leading merchant service providers. It offers a one-window solution, as the merchants can purchase both hardware and software services. Regardless of whether you run a retail business or a restaurant, Clover has customized packages to meet your needs.

Company: Clover

Clover is a popular, cloud-based, merchant services and point-of-sale systems provider. It offers a comprehensive range of software and hardware solutions to address the payment requirements of small to medium-sized restaurateurs, retailers, and B2B businesses. Clover is an appealing choice for businesses looking for an appropriate merchant service provider, primarily due to its competitive payment processing rates, user-friendly UI, and a variety of app integrations.

In-Depth Analysis

0 Overall
Price 4.0
Ease Of Use 4.5
Features 5.0
Support 4.0


  • All-inclusive & user-friendly solutions
  • Affordable pricing
  • Wide variety of app integrations
  • 24/7 customer support


  • High up-front costs
  • No online application option
  • Clover hardware required for some features

Clover Comparisons

Plans & Pricing

Clover’s POS software is now available in five different versions: Payments Plus, Register Lite, Register, Counter Service Restaurant, and Table Service Restaurant. The monthly pricing and the amenities available vary between these plans. Clover also provides a free trial, so you can assess the services before you pay. It also offers full refund for the returned hardware components.

Payments Plus
2.3% + 10¢/ in-person transaction
3.5% + 10¢/ keyed-in transactions
Register Lite
2.7% + 10¢/ in-person transaction
3.5% + 10¢/ keyed-in transactions
2.3% + 10¢/ in-person transaction
3.5% + 10¢/ keyed-in transactions
Counter Service Restaurant
2.3% + 10¢/ in-person transaction
3.5% + 10¢/ keyed-in transactions
Table Service Restaurant
2.3% + 10¢/ in-person transaction
3.5% + 10¢/ keyed-in transactions

Payments Plus

This package is recommended for new or small businesses and starts at just $4.95 per month. For in-person transactions, the processing fee is $2.3% plus 10 cents, and for keyed-in transactions, the fee is 3.5% plus 10 cents. It has all of the functionality needed to process debit and credit card transactions. E-commerce interfaces are also possible, as well as access to simple sales reports and dashboards for customer and employee engagement.

Register Lite

The extra features offered under this subscription, which costs $9.95 per month, include order and inventory control. For in-person transactions, the processing fee is $2.7% plus 10 cents, and for keyed-in transactions, the fee is 3.5% plus 10 cents. Merchants can use the Register Lite Plan to develop and track orders as well as produce rudimentary inventory menus. This package also includes extra information and reports pertaining to taxation and segment-wise reporting.


This is Clover’s advanced plan, and priced at a monthly fee of $39.95. For in-person transactions, the processing fee is $2.3% plus 10 cents, and for keyed-in transactions, the fee is 3.5% plus 10 cents. It comes with a number of extra services that medium and big enterprises require, like bar tabs, online ordering, cost tracking, and cost reporting. This should be your default option if you wish to control your business inventory and require a one-window review of the business costs.

Counter Service Restaurant

The elements in this package are equivalent to those in the Register package, but Counter Service Restaurant is designed specifically for food businesses. It has capabilities tailored to restaurants, such as menu management, order type, and restaurant analytics.

Table Service Restaurant

This plan is targeted at eateries once again and costs $69.95 per month. In-person transactions are charged $2.3% plus 10 cents, while keyed-in transactions are charged 3.5% plus 10 cents. Scanning to pay, bill splitting, table mapping, and floor plans are among the preeminent additional features. However, the fee for this subscription is on the higher side, and it may not be appropriate for new restaurants. Generally, the packages offered by Clover cover merchants of all types and sizes. The pricing packages are reasonable and per-transaction rates are inexpensive. Clover is very popular among eateries because of the customized bundles it provides. The pricing is not the cheapest, but it’s worth it, given the great quality and dependability it provides.

Ease of Use

Clover POS and merchant services are highly preferred by new or small enterprises due to their simplicity and easy-to-use interface. New users may rapidly learn how to utilize Clover, and the 24/7 customer assistance covers you round the clock in case of any problems. Complex topics can be discussed in a dedicated FAQ section, a blog page, and a community forum.

Customer Support

Clover keeps you covered with 24/7 phone and email support, and has been highly regarded for its exceptional customer support.

Additional support includes:


Clover often publishes enlightening blogs and updates


Customers can also participate on forum

24/7 Help & Support
24/7 Help & Support
Customer support is available Monday to Sunday, 24/7
Phone Support
Phone Support
Customer service is available through phone call
Customers can also contact Clover via email
There is a comprehensive FAQs section on Clover’s website
Features & Functionality
General Features

Clover’s solutions cover all of the capabilities required to initiate and develop an electronic transaction. All major credit and debit cards, as well as NFC payments, are accepted. The option to handle payments offline is also provided. Clover’s hardware is consistently praised for its durability and longevity. The POS interface is particularly user-friendly, and Clover provides a variety of reports to help businesses make better decisions. Clover is accessible via web browsers on both Mac and Windows and is also compatible with smartphones phones.

Inventory Management

When it comes to inventory management, Clover has a competitive edge in the industry. Despite the fact that the tool is only available with Register Lite or enhanced subscriptions, it is worth a shot. This program can be used by both retailers and restaurateurs to monitor their transactions and inventory levels.

Easy-to-Use Interface

Clover’s appeal stems in part from its very user-friendly interface. Clover recognizes that the majority of its users are point-of-sale personnel rather than software experts, which is why it keeps the complex functions to a minimum. Clover’s straightforward design makes it simple to set up.

Customer Management

Clover is unique in that it includes a client management feature in its POS services. Create client profiles, create customized emails, add loyalty points, and ask for feedback to increase customer loyalty. This feature benefits not only traditional brick-and-mortar companies, but also Clover-based internet businesses.

Restaurant-Specific Features

Clover may be used by any merchant; however, it has extra capabilities for restaurants and food establishments. These features include the ability to organize floorplans, map tables, and employ tableside ordering, for example. This makes it a highly compelling alternative for food-related enterprises.

Rapid Deposit Functionality

Clover also has a quick deposit and transfer option. This implies that the payments can be moved in minutes, rather than the days or weeks that certain service providers require. Clover’s success has been built on the foundation of quick, secure transfers.

  • ACH Payment Processing
  • Billing & Invoicing
  • Cryptocurrency Processing
  • Data Security
  • Debit/Credit Card Processing
  • Electronic Signature
  • In-Person Payments
  • Mobile Payments
  • Multiple Payment Gateways
  • Online payment processing
  • PCI Compliance
  • POS Integration
  • Payment Fraud Prevention
  • Payment Processing Services Integration
  • Recurring Billing
  • Reporting/Analytics
  • Mobile Credit card processing
  • Cash Transactions
  • Contactless NFC
  • Electronic Receipts
  • Mobile Card Reader
  • 3rd-Party Integrations
Hardware & Software

Clover is compatible with both Android and iOS devices. The following hardware is available from the company and is used in conjunction with their software services:

Clover Go

This $69 mobile gadget works on iOS or Android, and is compatible with all Clover products.

Clover Flex

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

Clover Mini

Clover Mini is a counter-top POS system that costs $749.

Clover Station

This is a full countertop POS system designed to fulfill the needs of larger enterprises, and it sold for $1,349 as a traditional offering.

Clover Station Pro

The most recent offering, priced at $1,649, is Clover Station Pro. It incorporates a customer-facing screen in addition to Clover Station’s standard functionality.

  • iOS
  • Android
  • Cloud-Based
  • On-place Installation
  • Windows
  • Mac
Pricing Options Automations
  • Free Trial
  • Freemium
  • Monthly Subscription
  • Annual Subscription
  • One-Time License
Sales Channels
  • Instore Sales
  • Online Sales
  • Mobile Sales

Overall, Clover offers an excellent return on investment made in a POS system and merchant service. It provides all the necessary features needed for efficient operation of the point of sales services, as well as obtaining apt payments from the clients. Although Clover provides services to small and medium businesses, large businesses can also find it useful, given that it offers high reliability and security. If you are searching for merchant service and payment provider, Clover should be your go-to partner.

Murad Jaffery
Author: Murad Jaffery
Murad Jaffery is a chartered accountant specializing in the field of accounting and finance. He has been writing on these areas for nearly a decade, and is also an accounting tutor. He holds master’s degrees in accountancy and English literature. Murad enjoys traveling and reading.

Clover User Reviews

Grace M
11-50 employees
Used for: Less than 6 months
04 Oct - 2021

Easy to use platform

The best aspect of Clover is its simplicity and ease of use. Your business needs can be met by its many features and tools. Among its features are coupon processing, virtual pin pads, gift management, employee management, and advanced reporting. App store updates are also frequent.


The customer support at Clover isn't the best, and it takes a while to get back to you.

Rita M
02-10 employees
Used for: 6-12 months
22 Sep - 2021

Great service

Clover is a super helpful app for small businesses and offers great deals.

Darryl D
Consumer Electronics, 11-50 employees
Used for: 2+ years
13 Oct - 2021

Nice Merchant services

Clover is an incredibly simple and user-friendly system. Processing credit cards manually, making transactions, and even processing refunds are all options I appreciate. This tool is very helpful for my business. It comes with a variety of features and apps.


Refunding credit and debits cards seems to be a bit of a process.

Corp. Accts. Receivable / Fraud
Flooring Wholesale, 51-200 employees
Used for: Less than 6 months
26 Aug - 2022


I am not a fan of Card Connect, Card Pointe, Clover or whatever they are calling themselves at this point. There is not enough security layers to prevent fraud or allow transactions to go through that may have the wring information even though they are valid transactions.


It accepts CC payments.


Fraudulent transactions are too easy. It accepts incorrect information for valid transactions. When looking for specific transactions, if you click on the CC charge you would like to review , then back out of that screen to look at another, you have to re-group everything all over again to find the one you want. It will accept CC transactions with the minimal information and allow it to go through, which has led to fraud. Not enough security checkpoints to avoid and catch fraudulent transactions. It takes an average of an hour to get someone on the phone to be able to answer your questions, and that's even if they can. I definitely say, do not choose this company, look elsewhere.