All-in-one point of sale and payments for in-person businesses.
2.9% + $0.30
online rate
$0
monthly fee
Next day
payout
Retail
Restaurants
Small business
Best Clover alternatives
Clover: Fiserv-owned POS sold direct and through banks and ISOs, at 2.6% + $0.10 in person on Starter and 2.3% + $0.10 on the Retail and Restaurant Growth plans.. If you’re weighing up Clover, here are 8 payment processors worth comparing on fees, features, and verified merchant reviews, especially for in-person and retail pos.
Why consider alternatives to Clover?
- Clover's own hardware promotion terms require a three-year merchant processing agreement, and Merchant Maverick reports a 36 or 48 month software contract with an early termination fee equal to whatever is left on it
- Clover software runs only on Clover hardware, and CardFellow reports that a device bought through one processor cannot be reprogrammed for another, so switching processors means buying the equipment again
- The same system is sold by Fiserv and by many banks and ISOs on their own rate cards, so 2.3% to 2.6% is a floor rather than a price: Dharma Merchant Services lists the Station Duo at $2,099 where Clover.com lists $1,899, and the Compact at $299 where Clover.com lists $349
- Support is split across your merchant services provider, Clover itself and each App Market developer, and Merchant Maverick notes long wait times on the 24/7 phone line
8 alternatives to Clover
Compare side by sideRated 4.5 out of 5 from 4 reviews.
Transparent interchange-plus pricing with automatic volume discounts.
Interchange + 0.50% + $0.25
online rate
$0
monthly fee
Next day
payout
Growing SMBs
Transparent pricing
Omnichannel
Subscription-style pricing that passes interchange straight through.
Interchange + $0.15
online rate
$99
monthly fee
Next day
payout
High volume
Predictable cost
Established businesses
A partner-only white-label payment gateway for ISOs, agents and software platforms that has never boarded a merchant directly.
No gateway markup
online rate
Not published
monthly fee
Varies
payout
ISOs and agents
Software platforms
White-label resellers
Merchant One is a Miami Beach-based ISO that resells Wells Fargo merchant accounts with tiered pricing, Clover hardware and a $13.95 monthly fee.
0.29% to 1.99% qualified
online rate
$13.95
monthly fee
Varies
payout
Small business
Retail
Restaurants
US merchant services provider offering paperless card and ACH processing on month-to-month terms with no cancellation fee.
From 1.49% + $0.15
online rate
None above $10k volume
monthly fee
2-day
payout
Healthcare practices
Auto repair shops
Professional services
US merchant services provider that specializes in placing high-risk and hard-to-approve businesses with acquiring banks and gateways.
Custom quote
online rate
$5 to $25 reported
monthly fee
2-day
payout
High-risk merchants
CBD and hemp
Firearms
+1
New Zealand-based omnichannel processor and acquirer covering online, in-store and unattended payments in more than 40 countries.
Custom quote
online rate
Custom quote
monthly fee
Next day
payout
Omnichannel retail
Unattended payments
Enterprise
+1Clover alternatives: common questions
- What is the best alternative to Clover?
- Square is one of the most-compared Clover alternatives, but the best choice depends on your pricing model, payment methods, and integrations. Compare each option side by side before deciding.
- Why do merchants look for Clover alternatives?
- Merchants usually switch to lower processing fees, get better support, avoid restrictive contract or reserve terms, or find payment methods and integrations that fit their business more closely.
- How do I compare Clover with its alternatives?
- Use the side-by-side compare tool to line up Clover against any alternative on pricing, payment methods, integrations, features, and company facts, then read verified merchant reviews for each.
Alternatives to other processors
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- Banquest Payment Systems alternatives
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- BitPay alternatives
- BlueSnap alternatives
- Braintree alternatives
- CSG Forte alternatives
- ChargeOver alternatives
- Chargebee alternatives
- Checkout.com alternatives
- Corepay alternatives
- Dharma Merchant Services alternatives
- Dodo Payments alternatives
- Durango Merchant Services alternatives
- EBANX alternatives
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- Easy Pay Direct alternatives
- Elavon alternatives
- Fluid Pay alternatives
- GoCardless alternatives
- Helcim alternatives
- Invoiced alternatives
- Lemon Squeezy alternatives
- MYR POS alternatives
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- Merchant One alternatives
- Metronome alternatives
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- Mollie alternatives
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- NOWPayments alternatives
- Orb alternatives
- Paddle alternatives
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- PayPal alternatives
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- Solidgate alternatives
- Square alternatives
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- Worldpay alternatives
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