Both target small retail and hospitality. Clover is familiar hardware sold through banks and processors; Biyo POS is a direct-sold all-in-one with native loyalty and consistent, hands-on support.
Biyo POS vs Clover at a glance
| Biyo POS | Clover | |
|---|---|---|
| Our rating | 4.5 / 5 | 3.9 / 5 |
| Software cost | $0–$97 per month | $0+ per month (reseller-set) |
| In-person rate | 2.4%–3% | ~2.5% + 10¢ (reseller-set) |
| Commitment | No contract | 3-year contract |
| Best for | Loyalty-driven, repeat-customer brands | Choosing your own processor |
Choose Biyo POS if…
- You want hardware financing and a local point of contact
- You already have a merchant-services provider you trust
- You need a specific Clover-marketplace app
Choose Clover if…
- You want one transparent price ($0–$97/mo) and no contract or commitment
- Loyalty, tiers and gift cards are core to your model
- You want consistent, #1-rated support and hands-on onboarding
Pricing side by side
| Plan | Free | Standard | Starter | Standard | Advanced |
|---|---|---|---|---|---|
| Monthly cost | $0/mo | Up to $97/mo per location | From ~$0–$15/mo | From ~$50/mo | From ~$85/mo |
| In-person rate | 2.4%–3% | 2.4%–3% | ~2.6% + 10¢ (reseller-dependent) | ~2.3%–2.6% + 10¢ | Reseller-dependent |
| Online rate | — | — | — | — | — |
| Keyed rate | — | — | — | — | — |
| Hardware | — | — | From ~$799 or financed | — | — |
| Commitment | No contract | No contract | 3-year contract | 3-year contract | 3-year contract |
Feature comparison
| Feature | Biyo POS | Clover |
|---|---|---|
| Payments | ||
| Card-present payments | Yes | Yes |
| Offline mode | Yes | Yes |
| Inventory | ||
| Inventory tracking | Yes | Yes |
| Purchase orders | Partial | Partial |
| Reporting & analytics | ||
| Sales reporting | Yes | Yes |
| Online ordering | ||
| Menu / modifier management | Yes | Yes |
| First-party online ordering | Yes | Partial |
| Loyalty & marketing | ||
| Loyalty program | Yes | Partial |
| Gift cards | Yes | Yes |
| Multi-location | ||
| Multi-location management | Yes | Partial |
| Integrations & API | ||
| Open API | Partial | Yes |
| App marketplace | Partial | Yes |
Our verdict
Choose Clover if you want proven hardware financed through a local reseller and you are prepared to shop several quotes to get fair processing terms. Choose Biyo POS if you want transparent, direct pricing, loyalty and gift cards built in, the option to work with an ISO partner or agent, and support that does not depend on which reseller you bought from.
Frequently asked questions
Why does Clover pricing vary so much versus Biyo POS?
Clover is resold by hundreds of banks and ISOs that each set their own rates, fees and contracts. Biyo POS is sold direct at $0–$97/month per location with no contract — and free for businesses processing more than $30,000/month in card volume.
Can I move away from either system later?
Biyo POS has no contract or commitment and works with ISO partners and agents. Some Clover devices are locked to the reselling processor and sold on multi-year terms, so confirm both before you buy.
Not sure which to pick?
Tell us about your business and we’ll recommend the better fit.