Clover
pos-system · US, CA, GB, AU, IE, AR, DE, ATClover is the leading integrated POS and payment processing ecosystem for brick-and-mortar retail and restaurant businesses. Unlike Stripe and Square which started as payment processors and added POS capabilities, Clover was purpose-built as a comprehensive merchant system covering hardware, software, and payments. The platform offers a range of hardware from compact card readers to full restaurant POS terminals, all running Clover's proprietary software ecosystem. The Clover App Market provides hundreds of third-party applications for inventory management, loyalty programs, employee scheduling, and accounting integrations that extend the core POS functionality. Clover is distributed through multiple channels including bank partnerships and direct sales, which means pricing and contract terms can vary significantly depending on the merchant's acquiring relationship. Fiserv acquired Clover's parent company First Data in 2019.
What does Clover cost and how does payment processing work?
Clover is designed for smb businesses. A free tier is available. Available in 8 country/regions. Full-service POS system and payment processing platform for retail and restaurant businesses — combining payment hardware, software, and merchant services in an integrated ecosystem.
Pricing
// verify pricing before launch — prices shown may not reflect current vendor rates
Key Features
- •Full POS hardware ecosystem — compact readers to full restaurant terminals
- •Clover App Market with hundreds of third-party business applications
- •Inventory management with low-stock alerts and item tracking
- •Employee management with time tracking and scheduling
- •Loyalty and rewards program management
- •Online ordering integration for restaurants
- •Real-time sales reporting and analytics
- •Multi-location management
Pros
- +Most comprehensive POS hardware ecosystem in the category — from handheld readers to full restaurant systems
- +Clover App Market extends functionality across inventory, loyalty, scheduling, and accounting
- +Strong restaurant-specific features including table management and online ordering integration
- +Multi-location management for businesses with more than one site
- +Wide availability through bank and merchant service provider partnerships
- +Competitive per-transaction rates on higher software tiers
Cons
- −Pricing varies significantly depending on acquiring channel — bank partnerships may offer different terms than direct
- −Contract terms can include early termination fees depending on the sales channel
- −Monthly software fees add to total cost of ownership beyond transaction fees
- −Hardware is proprietary — cannot use Clover hardware with other processors
- −Customer support quality varies by acquiring partner
- −Less suitable for purely online businesses — designed primarily for in-person commerce
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Integrations
Compare Clover with other tools
See how Clover stacks up against stripe, square, paypal side by side.
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Reviewed by Finatune · Last updated 2026-07-01