Listopedia

Clover

Fiserv's POS and business-management platform, sold widely through banks and resellers

Overview

Clover is the cloud-based point-of-sale and business management platform of Fiserv, Inc., a US payments and financial-technology company. Fiserv describes Clover as including the hardware and software small merchants need to accept payments, take orders, schedule pickup and delivery, and manage cash flow and teams, and offers working capital through Clover Capital[9].

Fiserv reports Clover within its Merchant Solutions business serving small businesses and independent software vendors, and says it is widening Clover beyond restaurants and retail into services, and into markets including Australia, Singapore, Brazil, Mexico, Belgium, Spain and Japan[9]. Fiserv lists Clover and other POS devices among the hardware it sources from vendors[9].

For retailers, Clover’s appeal is that POS hardware, software, payment acceptance and working capital come from one provider. Its main limitation for comparison purposes is transparency: Clover’s own pricing page did not display prices, processing rates or contract terms to the reviewer. Retailers should compare the full contract, including early-termination terms and hardware financing, before signing[9].

Clover features

  • Clover Go, Flex, Mini and Station hardware
  • Industry-specific software plans
  • Clover App Market
  • Online ordering and invoicing
  • Counter-service and table-service restaurant setups
  • Station, Mini and Flex hardware family
  • App marketplace for third-party add-ons
  • CardFree ordering, payment and loyalty capabilities (acquired 2025)

Clover pricing

In person 2.3%–2.6% + 10¢; online/keyed 3.5% + 10¢; software $0–$129.85/month (Fiserv as processor).

Clover strengths and limitations

Strengths

  • Low in-person rate on standard plans
  • Purpose-built hardware
  • Large app ecosystem
  • Wide distribution through banks and merchant providers
  • Range of countertop and handheld hardware
  • Restaurant capabilities expanded by the CardFree acquisition

Limitations

  • Possible long-term processing contract
  • 3.5% + 10¢ card-not-present
  • Promotional hardware ties merchants for three years
  • Pricing and terms vary by reseller
  • Official pricing page not machine-readable
  • Fewer restaurant-specific depth features than restaurant-only platforms

Appears in

Clover alternatives and competitors

Alternatives to Clover: companies ranked in the same lists.

Is this your company?

Update the description, logo, image and link through the submission form. Editors review every change.

Update this listing

Is your company missing from a list?

Send your logo, description and link. Editors review every submission, and approved listings are clearly labelled.

Add your company