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Clover is a user-friendly point-of-sale system for small and midsized businesses. It comes with a wide range of software and hardware options to suit your specific needs. Whether you run a retail business, own a restaurant or provide services, Clover can meet all of your processing and point-of-sale (POS) needs. While it’s not the cheapest platform on the market, Clover’s roster of payment partners make it a solid choice for businesses of all kinds.

$99 per month + $0.08 cents per transaction

Founded in October 2010, Clover was acquired by First Data Corp. in December 2012. First Data Corporation was acquired by financial services company Fiserv in July 2019. That’s why Clover POS comes bundled with a Fiserv merchant account; you cannot dissociate Clover POS with its backend payment processing system.

Clover does not come cheap, and its pricing lacks the transparency of its competitors. It is also sold by a variety of third-party resellers, which can complicate things further. We strongly recommend double-checking your agreement so that there are no surprises when the first bill comes.

To start using Clover you need to get the hardware first. The hardware devices are available on its website as well as with partners like Citi, PNC, Wells Fargo, BBVA, SunTrust and 3,000 other First Data partners. Clover sales reps are available via its website and can help you choose the right plan depending upon your business needs.

Clover’s general POS software comes in two main flavors-Register Lite and Register. Besides these, its web dashboard allows you to accept debit and credit card payments without any hardware. Each plan comes with features for sending e-receipts, managing invoices and storing customer card information for faster checkout.

This plan is free for the first 30 days and then costs $9.95 per month after that. You pay 2.7% + 10 cents for in-person transactions and 3.5% + 10 cents for keyed-in transactions. Register Lite allows you to track sales, view reports, set employee permissions and get third-party apps from the Clover App Market.

This plan is also free for the first 30 days and then costs $39.95 per month. Transactions are charged at 2.3% + 10 cents for in-person and 3.5% + 10 cents for keyed-in. Besides everything in Register Lite, this plan supports business growth tools like inventory management, customer loyalty programs and advanced reports. If you run a restaurant or retail outlet, you can integrate a weighing machine, barcode scanner, cash drawers and other accessories with the POS.

Clover is compatible with a range of different third-party hardware devices. Clover also has multiple first-party options to choose from, depending upon the type and size of your business. It supports these five business types:

• Integrates with barcode scanners, weighing scales and other accessories

• Also available for full service & countertop restaurants

• Report generation for business insights

Clover comes with a set of reporting tools that enable you to not just track sales but manage inventory and filter data to see your best-selling items, busiest business hours and more.

Clover integrates easily with popular third-party apps like QuickBooks, Time Clock, Yelp and more to make processes more convenient. It has a vast app marketplace with a wide selection of both free and paid integrations.

Because it is backed by Fiserv, Clover also has financial solutions for its customers, which puts more cash in their hands. Some of these include:

Clover does not charge as per the number of users, so you don’t need to worry about paying more when you scale your team.

$99 per month + $0.08 cents per transaction

Clover software and hardware pricing could stand to be more transparent. It does display some pricing, but you will have to connect with their sales team to get deals such as $65 for Station Solo, $40 for Clover Mini and $30 for Clover Flex.

If you are looking for an intuitive POS with great hardware options and can afford to make a large upfront investment in hardware, Clover can be a great fit for your business. You can even take advantage of its 30-day trial period to check if it is suitable for your team.

You need to purchase a clover device online or from its merchant partners to start. While purchasing you will be asked to apply for a merchant account. When you receive the device, it is set up to start accepting payments immediately.

Clover typically takes one to three business days to credit payments to your account. However, you can opt for immediate transfer of funds for a small fee of 1% per deposit.

No. Clover’s terminal is designed to be used within the greater Clover ecosystem of software apps and other devices such as the mobile card reader.

All Clover devices are compliant with the Payment Card Industry Data Security Standard (PCI) and ship with end-to-end data encryption, tamper detection and access authorization. The software includes malware detection and antivirus, and updates weekly.