POS System
Clover
Versatile POS hardware with a wide app marketplace, but processing costs vary wildly depending on your reseller.
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Monthly fee
$14.95/mo (Essentials), $84.95/mo (Full)
Hardware cost
$599 (Mini), $1,699 (Station Duo)
Processing rate
2.3% + $0.10 (in-person, direct from Clover)
Built-in processing
Yes
Rating breakdown
Pros
- Attractive, well-built hardware
- Works for retail, restaurants, and services
- Large app marketplace for add-on features
- Multiple hardware options (mini, flex, station)
Cons
- Processing rates depend entirely on which reseller sells it to you
- Some resellers lock you into expensive long-term contracts
- Hardware is proprietary to Fiserv
- Can't use Clover hardware with a different processor
Who Clover is for
Clover works across multiple business types: retail, restaurants, and professional services. The hardware looks great, the interface is intuitive, and the app marketplace lets you add features as you need them. If you want a polished POS that handles the basics well, Clover is a solid option.
The reseller problem
Here’s what most reviews don’t tell you: Clover is manufactured by Fiserv (the largest payment processor in the U.S.), but it’s sold through hundreds of independent resellers. Your experience depends almost entirely on which reseller you buy from. Some offer fair interchange-plus pricing with month-to-month contracts. Others lock you into 3-year leases with inflated rates and early termination fees.
If you buy directly from Clover.com, you get straightforward pricing. If a sales rep shows up at your door offering a “free” Clover system, read the contract very carefully.
Bottom line
Clover hardware is good. The software is good. The wildcard is who sells it to you and what processing rates you’re locked into. If you go with Clover, buy direct or from a reputable reseller, and make sure you understand the contract terms before you sign.
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