Clover review (2026): features, pros and cons, and what to check before you buy
Fiserv-owned POS and merchant processing platform sold through banks and resellers, with bundled hardware and software plans.
Our take for buyers
Clover is a Fiserv-owned POS and merchant processing platform with retail, restaurant and services plans, aimed at small businesses. Shortlist it if you want bundled hardware and software and plan to buy through your bank or an ISO. Hardware options include the Station Duo, Mini and Flex. Because it is sold by banks and independent resellers, the terms you get depend on who sells it to you.
G2 shows 3.8 across 87 reviews. Reviewers like how easy it is to use and the quick setup, and they like the modern hardware. Complaints focus on weak phone support, fees that were unclear or higher than expected, and connectivity problems, so test those areas specifically. None of these points is a deal breaker by itself, but each should be checked in a live trial with your own staff and network.
Pros
- Easy to use and quick setup.
- Modern hardware.
Cons
- Weak phone support.
- Fees unclear or higher than expected.
- Connectivity problems.
- Best for
- Small restaurants and retailers wanting bundled hardware plus software.
- Starting price
- Varies by vertical; Standard bundle $130/month or $849 + $84.95/month (as listed by Clover)
- G2 rating
- 3.8 (87 reviews)
What is Clover?
Fiserv-owned POS and merchant processing platform sold through banks and resellers, with bundled hardware and software plans. Clover is a Fiserv-owned platform sold through banks and resellers, with Station Duo, Mini and Flex hardware. It is quick to set up and suits small retailers and restaurants, though phone support and fee clarity draw complaints. Clover was founded in 2010 and is based in Sunnyvale, California, US.
Category: POS Systems
Clover key features
| Criterion | 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. |
| Pricing model | Software plan plus processing plus hardware or financing. |
| Target company size | Small businesses. |
Clover plans and pricing
| 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 should shortlist Clover
A strong fit for
- Small restaurants and retailers wanting bundled hardware plus software.
- Merchants buying through their bank or ISO.
A weak fit 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.
Contract and buying terms
- Starting price
- Varies by vertical; Standard bundle $130/month or $849 + $84.95/month (as listed by Clover)
- Pricing model
- Per device/plan bundle.
- Free plan or trial
- No.
What to test in a Clover demo or trial
Because Clover is sold through banks and resellers, evaluate the specific offer, not the brand. Ask for the full rate sheet, including card-present and keyed rates, and for the plan that matches your vertical. Test setup speed and offline behavior, since reviewers report connectivity problems. Call support during the trial period at the hours you operate, because phone support is a recurring complaint. Confirm which hardware is included, and what happens to financing if you replace a device.
Questions to ask Clover before you sign
These are the points Clover's public pages leave open. Get the answers in writing before procurement signs off.
- Which plan includes SAML SSO, and what does it cost for our seat count?
- Is SCIM provisioning included, or a paid add-on?
- Which plan includes audit logs, and how long are they kept?
- Where is our data stored, and can we choose the region?
- Can we sign your standard DPA without changes?
- Is there a monthly option, and what are the cancellation and renewal terms?
- What will the price be at renewal, and is the increase capped?
Things to know before a demo
- 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)
Head-to-head comparisons
Clover FAQ
What is Clover used for?
Clover is a Fiserv-owned platform sold through banks and resellers, with Station Duo, Mini and Flex hardware. It is quick to set up and suits small retailers and restaurants, though phone support and fee clarity draw complaints. It suits small restaurants and retailers wanting bundled hardware plus software.
Who is Clover best for?
Small restaurants and retailers that want hardware and software bundled, and merchants who buy through their bank or an ISO.
Does Clover have strong customer support?
G2 reviewers complain about weak phone support. Test support during your evaluation and ask your reseller what service levels they provide.
Are Clover's terms the same everywhere?
No. Clover is sold through banks and resellers, so rates and terms vary by reseller. Compare written offers before choosing.
Vendor profile
- 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.
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.