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Clover POS Review 2024: Features and Pricing

Reasonable in-person prices and a good mix of hardware options make Clover's point-of-sale system a good choice.
By Maddie Shepherd, Karrin Sehmbi
Last updated on July 7, 2023
Edited bySally Lauckner
Fact checked and reviewed

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Our Take

The bottom line:

The Clover point-of-sale system is a good option for business owners of many types — restaurants, retail outlets or professional services — that do most of their payment processing in person. Its hardware is on the pricey side, but the reasonable monthly cost and low in-person payment processing fees help offset that upfront investment over time.
Full review

Clover POS

Payment processing fees
2.3% + 10¢ or 2.6% + 10¢ in-person; 3.5% + 10¢ online.
Monthly fee
$14.95 and up.
Learn more

on Clover's website

Pros & Cons

Pros

  • Competitive flat rates for in-person payment processing.
  • Hardware performs well and is well designed.

Cons

  • No free options.
  • Pricing can be tough to understand.

Full Review

Clover is a point-of-sale (POS) system for small businesses that want to take payments from customers in person. The company and various third-party vendors sell a variety of Clover hardware bundles and components to merchants. Clover also offers card payment processing services.
Clover is owned by Fiserv, a payments and financial technology provider. Fiserv processes payments on the backend, though you can choose your own merchant services provider.
Clover pricing depends on payment processing fees, which are a function of sales and payment type, the monthly plan you choose and the POS hardware you need based on your type of business. With most plans, you can pay in full or monthly. If you choose to pay in full, you will encounter an upfront lump sum to own your hardware, plus a monthly software fee. For the monthly pay option, the hardware and software price are rolled into one monthly payment; though you don’t own the hardware upfront, you have the option to upgrade devices or even buy the hardware later.
Clover structures its plans and pricing based on industry:
  • Full-service and quick-service dining. Features on Clover POS systems for restaurants are generally standard across tiers, unlike other POS systems that limit features on lower-priced options. The primary difference is the number and types of hardware.
  • Retail. As you go up the three pricing tiers in Clover’s Retail plans, you get more hardware, but there are other differences to consider. The Standard and Advanced plans have a lower payment processing rate: 2.3% plus 10 cents per in-person transaction compared with 2.6% plus 10 cents in the Starter plan. Additional software features in the two higher plans include the ability to itemize returns and exchanges and integrate a scale to weigh items.
  • Professional services. Unlike restaurants or retailers, professional service providers like an architect or a designer might regularly accept payments in a variety of ways — invoices, over the phone or in person, for example. If you don’t expect to accept in-person payments, the Starter plan will save you money because it doesn’t require hardware.
  • Personal services. You can use Clover if you provide personal services, like at a hair salon or fitness studio. Like the Retail plan, the Personal Services Standard and Advanced offerings have a lower payment processing rate and can handle a few more complex tasks, like weighing items and itemizing returns.
  • Home and field businesses. If you’re an electrician, landscaper or other type of professional who travels to job sites, Clover allows you to take payments in the field. If you prefer to send electronic invoices, the Starter plan is the best pick. The other two plans include a mobile solution so you can get paid anywhere.

Clover is best for businesses that:

  • Want competitive, flat-rate in-person processing fees. Clover has one of the lowest in-person transaction rates among providers that use a flat-rate payment processing model.
  • Don’t mind filling gaps in features with integrated apps. Clover’s system comes with standard POS capabilities, but some businesses may find they need to turn to third-party apps that integrate with Clover to fill all their business needs.
  • Value 24/7 customer support. Clover offers 24/7 customer support by phone and email.

Deciding factors

Payment processing model
Flat rate.
Payment processing fees
  • 2.3% plus 10 cents for in-person transactions for most plans, though rates may also vary by hardware type.
  • 2.6% plus 10 cents for in-person transactions on Retail Starter, Personal Services Starter and Professional Services Standard plans, as well as Home & Field Services Standard and Advanced plans.
  • 3.5% plus 10 cents for online or keyed-in transactions.
Note: Prices are based on using Clover’s parent company, Fiserv, as your merchant service provider. If you use a different provider, your costs may differ.
Monthly fee
  • $14.95 for Retail Starter, Personal Services Starter, Professional Services Starter and Standard and Home & Field Services plans.
  • $49.95 for Retail Standard, Personal Services Standard and Advanced and Professional Services Advanced plans.
  • $54.95 for Quick-Service Dining Starter and Standard plans.
  • $64.90 for Retail Advanced plan.
  • $69.90 for Quick-Service Dining Advanced plan.
  • $84.95 for Full-Service Dining Starter plan.
  • $99.90 for Full-Service Dining Standard plan.
  • $114.85 for Full-Service Dining Advanced plan.
Hardware cost
  • $49 for chip, swipe and contactless Clover Go card reader.
  • $599 for Clover Flex mobile POS with printer.
  • $799 for Clover Mini POS.
  • $1,699 for Clover Station Solo.
  • $1,799 for Clover Station Duo.
Contract length
12-36 months.
Customer support
24/7 phone, chat and email support.

Where Clover stands out

Low flat rates for in-person payment processing

Clover’s payment processing rates for in-person transactions are generally lower than those of industry heavyweights such as Stripe and Square. The higher your average sales volume, the more beneficial this is.

Decent monthly rates and features

Monthly software fees can really add up; Clover’s generally are below $100. Clover’s POS systems have many popular features, including table mapping and remote order ticket routing for restaurants and low-stock alerts and itemized returns for retail.

Top-notch hardware

Clover's distinctive white-and-silver hardware looks sharp and is built for point of sale — it isn't just an app you run on your own phone or tablet. Its handheld device in particular stands out for a few reasons: It can be used in retail settings, unlike Toast’s restaurant-only device; it has a built-in printer, unlike PayPal's Zettle device; and it accepts cards that swipe, which not all card readers do.

Extensive library of software integrations

Clover’s extensive App Market contains a wealth of third-party applications that integrate with its POS system. The library covers all areas of running a business, including tax and accounting software, marketing, analytics and more.

Where Clover falls short

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Our top overall picks

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No free options

Unlike some retail POS systems, the Clover POS system doesn’t have any free hardware or software options. POS systems that let you bring your own device aren’t exactly free — the device costs something at some point — but they can mean less outgoing cash when you get started.

Products and pricing can be hard to understand

It can be tough to find all the information you need about Clover’s products on its website. You can buy Clover directly, but there are many other resellers, including Citi, Wells Fargo, Dharma Merchant Services and Sam’s Club. Each has its own pricing, which makes it hard to compare your options. You also might be required to sign a long-term contract, which limits your flexibility.

Alternatives to Clover

Square

Why we like it: Square provides a robust set of POS features, plus additional services such as payroll and customer loyalty programs with comparable fees, and they are simpler to understand — no third parties to navigate. Square also doesn't require long-term contracts, which means you can switch if a better fit comes along. Read our full Square POS review.

Payment Depot

Why we like it: For potentially cheaper payment processing rates, consider Payment Depot — a merchant services provider that offers membership pricing and wholesale interchange rates. Payment Depot resells several of Clover’s POS systems. Other tools include a payment gateway and virtual terminal. Read our full Payment Depot review.
Payment processing fees: Interchange plus $0 per transaction.
Hardware: Quote-based.

Compare POS providers

To compare POS options, check out NerdWallet’s list of point-of-sale systems that are best for small-business owners. Our recommendations are based on the provider’s pricing and transparency, software and hardware options, system functionality, customer support, software integrations and contract requirements.

Learn more

on Clover's website

Methodology

NerdWallet’s point-of-sale systems provider ratings reward companies whose products and services are priced well and work in a variety of payment scenarios, among other criteria. Ratings are based on weighted averages of scores in several categories, including cost, system capabilities, contract requirements, customer service and integrations and add-ons. Learn more about how we rate point-of-sale (POS) systems providers.
These ratings are a guide, but services, hardware and pricing can vary widely from business to business and provider to provider. We encourage you to shop around and compare several providers.
NerdWallet does not receive compensation for any reviews. Read our editorial guidelines.

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