Clover deciding factors
Hardware | $49 for a card reader, $499-$749 for small touch screens and $1,649 and up for terminals. |
Software | Industry-specific packages range from $14.95 to $94.85 per month. |
Payment processing |
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Payment methods accepted | Major credit cards, PayPal, Venmo, Apple Pay and Google Pay. |
Customer service | 24/7 phone support for all plans. |
- Competitive flat rates for payment processing.
- Hardware performs well and is well designed.
- No free options.
- Pricing can be tough to understand.
How does Clover work?

(Photo courtesy of Clover)
Standard features
- Reporting tools that allow you to track revenue, filter your POS reports to see your busiest times and your best-selling items, get aggregated sales across all your locations, view end-of-day reports, track total sales per employee and more.
- 24/7 customer service phone support.
- The option to use Rapid Deposit, which gives you access to the funds generated by sales transactions within minutes — for a 1% fee — instead of having to wait the typical one to three business days.
- The ability to:
- Set up both digital and physical gift cards.
- Accept payments online through virtual terminal.
- Accept PayPal, Venmo, Apple Pay and Google Pay.
- Sync with third-party apps.
How much does Clover cost?
Quick-service restaurants
- Create a restaurant floor plan.
- Keep tabs open, split checks and tipping.
- Integrate Clover with an online store.
- Access reports like real-time sales tracking and tax reporting.
- Manage employee shifts.
- Run a customer loyalty program.
- Upfront cost: $749 for a 7-inch touch-screen terminal with a built-in printer.
- Monthly cost: $44.95.
- Upfront cost: $1,649 for a 14-inch touch-screen terminal with a 7-inch customer-facing touch screen, receipt printer and cash drawer.
- Monthly cost: $44.95.
- Upfront cost: $2,148 for a 14-inch touch-screen terminal with a 7-inch customer-facing touch screen, a hand-held touch-screen device, a receipt printer and a cash drawer.
- Monthly cost: $54.90.
Full-service restaurants
- Create a restaurant floor plan.
- Keep tabs open, split checks and tipping.
- Send remote orders directly to the kitchen.
- Integrate with an online store.
- Track real-time sales, tax reporting and more.
- Manage employee shifts.
- Run a customer loyalty program.
- Upfront cost: $1,349 for a 14-inch touch-screen terminal, receipt printer and cash drawer.
- Monthly cost: $74.95.
- Upfront cost: $1,848 for a 14-inch touch-screen terminal, a hand-held touch-screen device, a receipt printer and a cash drawer.
- Monthly cost: $84.90.
- Upfront cost: $3,497 for a 14-inch touch-screen terminal, a 14-inch touch-screen terminal with a 7-inch customer-facing touch screen, a hand-held touch-screen device, a receipt printer and a cash drawer.
- Monthly cost: $94.85.
Retail
- Upfront cost: $749 for a 7-inch touch-screen terminal with a built-in printer.
- Monthly cost: $14.95.
- Software features let users:
- Apply discounts.
- View real-time sales tracking and sales reports.
- Integrate with your existing online store.
- Offer a customer loyalty program and sell gift cards.
- Payment processing: 2.6% plus 10 cents per transaction for in-person transactions and 3.5% plus 10 cents for each keyed-in transaction.
- Upfront cost: $1,649 for a 14-inch touch-screen terminal with a 7-inch customer-facing touch screen, a receipt printer and a cash drawer.
- Monthly cost: $44.95.
- Software features let users:
- Access all features found in the Starter plan.
- Process itemized returns and exchanges.
- Use a scale to sell items by weight.
- Track cost by item.
- Payment processing: 2.3% plus 10 cents per transaction for in-person transactions and 3.5% plus 10 cents for each keyed-in transaction.
- Upfront cost: $2,148 for a 14-inch touch-screen terminal with a 7-inch customer-facing touch screen, a hand-held touch-screen device, a receipt printer and a cash drawer.
- Monthly cost: $54.90.
- Software features let users:
- Access all features found in the Standard plan.
- Payment processing: 2.3% plus 10 cents per transaction for in-person transactions and 3.5% plus 10 cents for each keyed-in transaction.
Personal services
- Upfront cost: $499 for a hand-held touch-screen device.
- Monthly cost: $14.95.
- Software features let users:
- Apply discounts.
- View real-time sales and sales reports.
- Integrate with an existing online store.
- Offer a customer loyalty program and sell gift cards.
- Payment processing: 2.6% plus 10 cents per transaction for in-person transactions and 3.5% plus 10 cents for each keyed-in transaction.
- Upfront cost: $749 for a 7-inch touch-screen terminal with a built-in printer.
- Monthly cost: $44.95.
- Software features let users:
- Access all features found in the Starter plan.
- Process itemized returns and exchanges.
- Integrate a scale to sell items by weight.
- Track cost by item.
- Payment processing: 2.3% plus 10 cents per transaction for in-person transactions and 3.5% plus 10 cents for each keyed-in transaction.
- Upfront cost: $1,649 for a 14-inch touch-screen terminal with a 7-inch customer-facing touch screen, a receipt printer and a cash drawer.
- Monthly cost: $44.95.
- Software features are the same as those in the Standard plan.
- Payment processing: 2.3% plus 10 cents per transaction for in-person transactions and 3.5% plus 10 cents for each keyed-in transaction.
Professional services
- Upfront cost: $0. No hardware needed; accept payments through a website.
- Monthly cost: $14.95.
- Software features let users:
- Send email invoices.
- Track real-time sales and view sales reports.
- Automate recurring payments.
- Track invoices.
- Build and manage a customer database.
- Payment processing: 3.5% plus 10 cents per transaction.
- Upfront cost: $499 for a hand-held touch-screen device.
- Monthly cost: $14.95.
- Software features let users:
- Access all features found in the Starter plan.
- Accept PayPal, Venmo, Apple Pay and Google Pay.
- Customer loyalty program.
- Accept gift cards.
- Payment processing: 2.6% plus 10 cents per transaction for in-person transactions and 3.5% plus 10 cents for each keyed-in transaction.
- Upfront cost: $1,349 for a 14-inch touch-screen terminal, receipt printer and cash drawer.
- Monthly cost: $44.95.
- Software features let users:
- Access all features in the Standard plan.
- Track cost by item.
- Payment processing: 2.3% plus 10 cents per transaction for in-person transactions and 3.5% plus 10 cents for each keyed-in transaction.
Home and field businesses
- Upfront cost: $0. No hardware needed; accept payments through a website.
- Monthly cost: $14.95.
- Software features let users:
- Send email invoices.
- Track real-time sales and view sales reports.
- Automate recurring payments.
- Track invoices.
- Build a customer database.
- Payment processing: 3.5% plus 10 cents per transaction.
- Upfront cost: $49 for a mobile card reader that pairs with your phone.
- Monthly cost: $14.95.
- Software features let users:
- Access all features found in the Starter plan.
- Accept PayPal, Venmo, Apple Pay and Google Pay.
- Offer a customer loyalty program.
- Accept gift cards.
- Payment processing: 2.6% plus 10 cents per transaction for in-person transactions and 3.5% plus 10 cents for each keyed-in transaction.
- Upfront cost: $499 for a hand-held touch-screen device.
- Monthly cost: $14.95.
- Software features let users:
- Access all features in the Standard plan.
- Track cost by item.
- Do itemized returns and exchanges.
- Payment processing: 2.6% plus 10 cents per transaction for in-person transactions and 3.5% plus 10 cents for each keyed-in transaction.
Hardware options and costs

(Photo courtesy of Clover)

(Photo courtesy of Clover)

(Photo courtesy of Clover)

(Photo courtesy of Clover)

(Photo courtesy of Clover)
Benefits of Clover
Low flat rates for payment processing
Decent monthly rates and features
Top-notch hardware
Drawbacks of Clover
No free options
Products and pricing can be hard to understand
Alternatives
For flexible, straightforward plans: Square
Square Payment Processing |
If payment processing is your biggest concern: Payment Depot
Point-of-sale software | |
---|---|
Square POS
Great for small-business owners looking for a top-notch POS with quick setup and easy-to-understand fees.
Read Review. | |
Clover POS
Great for small-business owners looking for reasonable prices and versatile hardware options. | |
Merchant account providers | |
Stax Great for midsize or larger companies that process $20,000 and up per month. Read Review. | |
PaymentCloud
Great for businesses in high-risk industries. | |
Payment Depot
Great for cost-effective credit card processing for midsize businesses. |
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