Clover review (2026): features, pros and cons, pricing
Fiserv-owned POS and merchant processing platform sold through banks and resellers, with bundled hardware and software plans.
Verdict at a glance
Clover is a POS and merchant processing platform owned by Fiserv, sold through banks and resellers. It bundles hardware with software for small restaurants and retailers, and reviewers like its modern hardware and quick setup.
Pros
- Easy to use and quick setup.
- Modern hardware.
Cons
- Weak phone support.
- Fees unclear or higher than expected.
- Connectivity problems.
What is Clover?
Fiserv-owned POS and merchant processing platform sold through banks and resellers, with bundled hardware and software plans. It is built for small restaurants and retailers wanting bundled hardware plus software and merchants buying through their bank or ISO. Clover was founded in 2010 and is based in Sunnyvale, California, US.
Category: POS Systems
Clover key features
| Feature | What we found |
|---|---|
| Hardware and terminals | Clover Station Duo, Mini, Flex; Station Duo about $1,799 to $1,899 (third-party) |
| Payment processing terms | About 2.3% + 10c card-present, 3.5% + 10c keyed (third-party); rate depends on reseller. |
| Industry features | Retail, restaurant and services plans. |
Clover pricing
Clover pricing is a bundle of software, processing and hardware. The vendor lists Standard at $130 per month or $849 upfront plus $84.95 per month, and Advanced at $180 per month or $1,899 upfront plus $84.95 per month, which includes a Station Duo and customer display. Plans differ by vertical and reseller. Third-party sources put card-present processing at about 2.3% plus 10 cents and keyed at 3.5% plus 10 cents. Extra devices run roughly $11.95 to $19.95 per month each, and Station Duo financing is about $95 per month over 36 months, per third-party sources.
| Plan | Price | Unit | Notes |
|---|---|---|---|
| Standard (services page) | $130 | per month | or $849 upfront + $84.95/month software |
| Advanced (services page) | $180 | per month | or $1,899 upfront + $84.95/month; includes Station Duo + customer display |
Plans differ by vertical and reseller; third-party guides disagree on restaurant tiers ($79 to $310). Card-present about 2.3% + 10c, keyed 3.5% + 10c (multiple third-party sources).
Who Clover is best for
Best for
- Small restaurants and retailers wanting bundled hardware plus software.
- Merchants buying through their bank or ISO.
Not ideal for
- Merchants who want predictable published pricing.
- Buyers who need strong phone support (G2 reviewers complain)
Clover alternatives
Square POSSingle-shop retailers and service businesses that want to start at $0 software.
ToastRestaurants, bars and cafes needing table service, kitchen display and online ordering.
Shopify POSMerchants already running a Shopify online store who add physical locations.
LightspeedMulti-category retailers needing deeper inventory and reporting.
SumUpMicro-merchants and market stalls wanting no monthly fee.
Epos NowSmall retail and hospitality shops wanting bundled hardware.
What Clover really costs
Clover publishes a starting price but few details about how the bill grows, so the real cost depends on the quote. Use the questions below to turn a sales conversation into a number you can compare.
Add-ons and extras to budget for
- Additional devices about $11.95 to $19.95/month each (third-party)
Questions to ask about price
- Is there a minimum number of seats or a minimum annual spend?
- What is the discount for annual billing, and can we start monthly?
- How much can the price rise at renewal, and is the increase capped in the contract?
- Are there one-time costs for implementation, onboarding or data migration?
Is Clover worth the price?
Clover is good value for a small restaurant or retailer that wants hardware and software bundled and buys through its bank or an ISO. It gets expensive and awkward when you add devices, since each extra one costs about $11.95 to $19.95 per month on third-party figures, or when your reseller sets a higher processing rate. Merchants who want predictable published pricing should expect to negotiate.
Worth it if
- Small restaurants and retailers wanting bundled hardware plus software.
- Merchants buying through their bank or ISO.
Look elsewhere if
- Merchants who want predictable published pricing.
- Buyers who need strong phone support (G2 reviewers complain)
Pricing details most reviews leave out
- Clover is sold through banks and resellers, so rates and terms vary by reseller.
- Additional devices roughly $11.95 to $19.95/month each (third-party)
- Station Duo financing about $95/month over 36 months (third-party)
Clover compared
Our verdict on Clover
Clover is a Fiserv-owned point-of-sale and payment processing platform sold through banks and resellers. Fiserv acquired First Data in 2019 and now owns Clover. The real cost has three parts: a software plan, card processing fees and hardware or financing. That is why quotes for the same setup can differ. Ask for the rate sheet and device costs in writing before you compare Clover with another POS offer.
Clover lists a Standard bundle at $130 per month, or $849 upfront plus $84.95 per month, and an Advanced bundle at $180 per month. Third-party guides disagree on restaurant tiers, ranging from $79 to $310. Reviewers on G2 flag fees that are unclear or higher than expected, so get the full rate sheet before you commit.
Clover FAQ
What is Clover used for?
Clover is a POS and merchant processing platform owned by Fiserv, sold through banks and resellers. It bundles hardware with software for small restaurants and retailers, and reviewers like its modern hardware and quick setup. It suits small restaurants and retailers wanting bundled hardware plus software.
How much does Clover cost per month?
The vendor lists Standard at $130 per month, or $849 upfront plus $84.95 per month, and Advanced at $180 per month. Processing fees and extra devices are additional, and plans vary by vertical and reseller.
What are Clover's processing rates?
Third-party sources cite about 2.3% plus 10 cents for card-present and 3.5% plus 10 cents for keyed payments. The rate depends on the reseller, so ask for yours in writing.
What do additional Clover devices cost?
Third-party sources put additional devices at about $11.95 to $19.95 per month each. A Station Duo is about $1,799 to $1,899 to buy, or about $95 per month over 36 months on financing.
About Clover
- Founded
- 2010.
- Headquarters
- Sunnyvale, California, US.
- Employees
- 400+ (Wikipedia, may be dated)
- Funding or owner
- Acquired by First Data (Dec 2012); owned by Fiserv since 2019.
Listed in: POS Systems
Sources
Every fact on this page comes from Clover's own pricing, product or documentation pages, G2 and company records, checked on October 24, 2026. Unknown values are left out instead of estimated.