Clover is flexible, familiar hardware sold through banks and ISOs — which means capable software but wildly variable pricing and contracts depending on who you buy it from.
Pros
- Solid all-round POS for retail, quick-service and services
- Large app market for add-on functionality
- Attractive, well-built hardware (Station, Mini, Flex, Go)
- Widely resold, so local support and financing are easy to find
Cons
- Pricing, processing rates and contract length depend entirely on the reseller
- Some resellers lock devices to their processing ("Clover locking")
- Effective costs can be high once statement fees and add-ons are included
How Clover scores
- Ease of use
- 4.1
- Pricing
- 3.3
- Features
- 4.0
- Support
- 3.6
- Integrations
- 3.9
What is Clover?
Clover is a point-of-sale and payments platform. Flexible POS hardware sold through banks and merchant-services resellers.
Who Clover is for
Merchants who want proven hardware and a local point of contact, and who are willing to shop resellers hard to get fair processing terms.
Clover pricing
| Plan | Starter | Standard | Advanced |
|---|---|---|---|
| Monthly cost | From ~$0–$15/mo | From ~$50/mo | From ~$85/mo |
| In-person rate | ~2.6% + 10¢ (reseller-dependent) | ~2.3%–2.6% + 10¢ | Reseller-dependent |
| Online rate | — | — | — |
| Keyed rate | — | — | — |
| Hardware | From ~$799 or financed | — | — |
| Commitment | 3-year contract | 3-year contract | 3-year contract |
Clover feature breakdown
| Feature | Clover |
|---|---|
| Payments | |
| Card-present payments | Yes |
| Offline mode | Yes |
| Inventory | |
| Inventory tracking | Yes |
| Purchase orders | Partial |
| Reporting & analytics | |
| Sales reporting | Yes |
| Online ordering | |
| Menu / modifier management | Yes |
| First-party online ordering | Partial |
| Loyalty & marketing | |
| Loyalty program | Partial |
| Gift cards | Yes |
| Multi-location | |
| Multi-location management | Partial |
| Integrations & API | |
| Open API | Yes |
| App marketplace | Yes |
Our full Clover review
The Clover software itself is fine — clean register, decent inventory, a broad app market, and hardware that looks good on a counter. Most small retailers and quick-service spots can run their whole operation on it.
The catch is the distribution model. Clover is sold by hundreds of banks and ISOs, each setting its own rates, monthly fees and contract terms, and some lock the hardware to their processing. Two businesses with identical Clover setups can pay very different amounts. Get every fee in writing and compare at least three resellers.
What users say
“The Flex handheld and Mini are the nicest countertop units we tried.”
“Same Clover, three quotes, three completely different rates.”
“Found out the hard way our device was locked to the original processor.”
What’s changed
- September 7, 2026
Refreshed pricing, processing rates and scores for the current quarter.
- June 25, 2026
Re-tested checkout speed, hardware and support response times.
- March 23, 2026
Published our first hands-on review.
Frequently asked questions
Why does Clover pricing vary so much?
Clover is sold through third-party banks and payment processors who each set their own software fees, processing rates and contracts.
What is a "locked" Clover?
Some resellers configure Clover devices to work only with their payment processing, making it hard to switch. Ask for an unlocked device.
Can I buy Clover directly from Fiserv?
Yes, Clover sells direct, but many merchants still go through a reseller for financing or local support. Compare both.
Compare Clover
Is Clover right for your business?
Clover in our guides
Merchant payments analyst · 9 years covering processing & POS
Alex covers card processing economics — interchange, effective rates, contracts and hidden fees — and has reconciled statements for hundreds of small businesses.
They lead POSRanker’s pricing research and the annual POS pricing dataset.