Clover is a Fiserv-owned point-of-sale platform for retail, restaurants, and services. Compare Clover's pricing plans, hardware, and transaction fees.
Clover is a cloud-based, Android-powered point-of-sale and payments platform now owned by Fiserv, one of the largest global payments companies. Founded in 2010 and acquired by First Data in 2012 (which merged into Fiserv in 2019), Clover provides an all-in-one hardware and software ecosystem for taking payments, managing inventory, and running day-to-day operations at small and midsize businesses.
Clover devices — including the Clover Station, Clover Mini, Clover Flex, Clover Go, and Clover Kiosk — run the Clover Dashboard software and support a curated App Market of third-party integrations, and the platform is distributed both directly by Fiserv and through a large network of bank and ISO reseller partners.
Clover bundles payment processing with order management, inventory tracking, employee time tracking, customer engagement tools, and business reporting into a single Android-based dashboard, with hardware options ranging from countertop stations to handheld and mobile card readers and self-service kiosks.
Its App Market extends the base system with third-party software for accounting, loyalty programs, online ordering, and industry-specific needs across retail, quick-service restaurants, full-service restaurants, and professional services.
Clover pricing combines a monthly software subscription, hardware costs, and per-transaction processing fees. General plans include Starter ($0/month), Essentials (~$29.95/month), and Growth (~$84.95-$89.95/month), though industry-specific plans vary — retail starts around $16/month while restaurant plans start around $135-$179/month for more advanced features.
Card-present transaction fees typically run 2.3%-2.6% plus $0.10, and keyed-in transactions run about 3.5% plus $0.10. Because Clover is widely resold through banks and independent sales organizations, actual rates and hardware financing terms (often 36-month contracts for retail bundles) can vary significantly by reseller.
Clover is owned by Fiserv. Clover Network was acquired by First Data in 2012, and First Data merged into Fiserv in a deal that closed on July 29, 2019.
Clover's general software plans range from a free Starter tier to Essentials (~$29.95/month) and Growth (~$84.95-89.95/month), plus hardware costs and per-transaction processing fees (roughly 2.3%-2.6% + $0.10 for card-present sales). Industry-specific pricing for retail and restaurants varies from these general plans.
No, Clover is a closed system — its software and hardware are tightly bundled with payment processing through Fiserv or an authorized reseller bank/ISO built on Fiserv's processing rails.
Clover is designed for small and midsize brick-and-mortar and mobile businesses, including retail stores, quick-service and full-service restaurants, cafes, salons, and other service businesses.
It depends on the reseller. Many retail hardware bundles are sold through resellers with 36-month contract commitments, while other plans and resellers may offer more flexible, month-to-month terms.
Clover Flex is a handheld all-in-one POS device for mobile and countertop use, while Clover Go is a compact mobile card reader that pairs with a smartphone or tablet for on-the-go payments.