Clover reviews
Clover's score depends almost entirely on which venue you read. GetApp has it at 3.8 out of 5 from 580 verified reviews, with ease of use at 4.0. Trustpilot rates it 2 out of 5 across 2,182 reviews, and PaymentPop, formerly CardPaymentOptions, sits at 1.0 across 108 merchant reports, 107 of them one star. The software is not what people are angry about. Almost every low review is about a contract, a hardware lease, a cancellation or a held deposit, and Clover is sold by Fiserv and by a long list of banks and ISOs who each write their own paper.
This site
No merchant reviews yet
109 Google reviews
Steady in restaurant and small business subs, plus a long-running scam thread that is not about the product.
What people say about Clover elsewhere
Summaries of the public reviews and discussion on other platforms, written by our editors and dated. None of it is counted in the rating this site publishes.
Google reviews
Clover on Google
Listed on Google as Clover Network, Inc., 415 N Mathilda Avenue, Sunnyvale
- 5 star
- 44
- 4 star
- 4
- 3 star
- 1
- 2 star
- 2
- 1 star
- 58
109 reviews on the Sunnyvale listing, 2.8 average, 58 of them one star against 44 five star. The complaints are not about the terminal, which most reviewers seem to like. They are about the shape of the company behind it. Clover is sold through banks and ISOs and supported by Fiserv, and the reviews read like it: an online chat that tells you to call, a phone line that tells you to use the chat, and a return that Fiserv's system did not register followed by emails threatening a 500 dollar charge. A four-unit merchant of several years describes calling repeatedly about a broken wire and getting nowhere. The five-star reviews are mostly old and several are from app developers on the Clover marketplace rather than from merchants. Treat this listing as feedback on Fiserv's service model rather than on the hardware.
What reviewers flag
- Support loops between channelsThe single most repeated complaint: chat refers you to the phone line, the phone line refers you back to chat, and nothing is owned.
- Returns and equipment billingOne merchant returned a device as instructed and kept receiving threats of a 500 dollar charge because Fiserv's system said it was not returned.
- You are not really a Clover customerReviewers describe being passed between Clover, Fiserv and the bank or ISO that sold them the account, none of which claims the problem.
- The hardware is not the issueEven the angriest reviews say they wanted to keep using the product, which puts the complaint squarely on service rather than on the terminal.
In their words
There is honestly not enough space here to fully outline my experience with Clover, but it is consistently disappointing and frustrating. The support structure is particularly problematic.
Read it in full
Very disappointing experience with Clover/Fiserv. I returned my device as instructed, yet I kept receiving threatening emails saying I would be charged $500 because their system claimed it wasn't returned.
Read it in full
What Reddit says about Clover
r/restaurateur, r/smallbusiness, r/POS, r/mobileDJ · Steady in restaurant and small business subs, plus a long-running scam thread that is not about the product.
Two separate conversations run under Clover's name and it is worth not confusing them. The first is merchants, and it splits cleanly along how they bought it. People who chose Clover directly for a restaurant or shop generally rate the hardware and the app marketplace, and the Square versus Clover and Toast versus Clover threads in r/restaurateur are genuinely balanced. People who got Clover bundled with a bank merchant account tell a different story, the oldest and most detailed being a 2017 account of Bank of America merchant services fees appearing on a statement for five months. The second conversation is not about Clover at all. Scammers use Clover's name to push fake payments on service businesses, and r/mobileDJ has years of near-identical reports of a booking enquiry that insists on paying by Clover because it is secure. That is a brand problem, not a product one, but it is what a merchant searching for Clover scam will find.
What comes up in its favour
- It survives direct comparisonIn the Square and Toast comparison threads Clover is a real contender, which the Google listing on its own would not suggest.
What keeps getting raised
- How you bought it decides your experienceDirect customers rate the hardware. Merchants who got Clover bundled with a bank account write about fees appearing on statements.
- Fiserv is who you are actually dealing withThe negative threads are about the service chain behind the terminal rather than the terminal, and about nobody in it owning a problem.
- Scammers use the nameService businesses report a recurring fake booking that insists on paying by Clover because it is secure. Worth recognising rather than reading as feedback.
Threads worth reading
- Horrible experience with Bank of America and Clover... hidden fees, fleeced over surcharges and catastrophically poor customer service. Never again.
r/smallbusiness · 3 August 2017 · 36 upvotes · 16 comments
The clearest write-up of what buying Clover through a bank's merchant services arm costs, statement by statement.
- Clover pos is a nightmare
r/POS · 12 August 2023 · 19 upvotes · 30 comments
30 comments on the Fiserv service model from operators, and the closest thing to a considered negative review on Reddit.
- Square vs Clover - anyone have experience with both?
r/restaurateur · 2 February 2021 · 15 upvotes · 67 comments
67 comments from restaurant operators who have run both. The most balanced Clover thread on Reddit.
- Toast vs Clover?
r/restaurateur · 17 April 2024 · 13 upvotes · 42 comments
The other comparison operators actually make, with 42 replies from people running one or the other.
- Clover Merchant Scam
r/mobileDJ · 17 December 2018 · 11 upvotes · 50 comments
Years of service businesses reporting the same fake booking that insists on paying through Clover. Not about the product, but it is what the search returns.
Clover reviews
Reviews submitted directly to this site by merchants who use Clover, moderated before they appear. Separate from the Google and Reddit summaries above.
No merchant has reviewed Clover here yet
Reviews are written by merchants who use the processor and are moderated before they appear.
Write the first reviewWhat the third-party review record shows
As of August 2026, GetApp scores Clover at 3.8 out of 5 across 580 verified reviews, breaking down to 4.0 for ease of use, 3.8 for features, 3.4 for value for money and 3.2 for customer support. The star spread is wide rather than middling: 278 reviewers gave five stars and 127 gave one or two.
The complaint venues read nothing like that. Clover's Trustpilot page sits at 2 out of 5 across 2,182 reviews. PaymentPop, the merchant-complaint site formerly called CardPaymentOptions, shows 1.0 out of 5 across 108 reports, 107 of them one star, last updated April 2026. Merchant Maverick, which rates the software well, still tells readers to buy Clover through a vetted reseller rather than through Fiserv.
Part of the volume has a specific origin. A securities class action filed in July 2025 against Fiserv, reported by Payments Dive, alleges the company forcibly migrated as many as 200,000 merchants off its older Payeezy platform onto Clover between late 2023 and the first half of 2024, and did not disclose merchants leaving for rival point-of-sale systems. Merchants who were moved onto a product they did not shop for write different reviews from merchants who chose it.
Themes across public reviews
Pros
- Ease of use is the strongest verified score at 4.0 on GetApp, with reviewers describing setup as intuitive for both staff and customers
- Customization through the App Market comes up repeatedly on GetApp, named as how merchants closed gaps the base plans left open
- Reporting and the ability to check sales remotely come up often from owners running more than one location
- The handheld form factor gets credit from reviewers who take payments away from a fixed counter rather than at a till
- 278 of the 580 verified GetApp reviewers gave five stars, so the one-star venues are not the whole record
- Reviewers who kept the system and never tried to leave rate it well, and features is the second highest verified sub-score at 3.8 on GetApp
Cons
- Cancellation is the single most repeated complaint, with reviewers describing hours on hold and billing that continued after equipment was returned
- The equipment lease and the merchant account are written by different entities, so reviewers describe ending one while the other kept charging
- Charges nobody can account for recur across venues: cellular data on hard-wired devices, app subscriptions and compliance fees
- Support is the lowest verified sub-score at 3.2 on GetApp, and 66 percent of GetApp reviewers who mention support are negative
- Held funds and deposits that never arrived appear often enough on Trustpilot to be a pattern rather than an outlier
- Rates, equipment prices and contract terms differ by whoever sold the account, which reviewers describe as zero consistency between agents
What the review record will not tell you
A large share of these complaints are not about Clover the product. They are about the contract, the lease and the company whose name is on the merchant agreement, and that company is often not Fiserv. Clover reaches merchants through banks and independent sales organizations that set their own rates, terms and equipment prices, so two reviewers describing opposite experiences can both be accurate about their own paper. A one-star review that turns on a $1,900 cancellation charge tells you about one reseller's contract, not about how the software runs a lunch rush.
Strip those out and a real finding remains, and it belongs to Clover rather than to any reseller. CardFellow reports that a Clover bought through one processor cannot be reprogrammed for another, so leaving means buying the hardware again. That single fact explains most of the anger in the cancellation reviews: a merchant who wants out is choosing between the termination fee and a stranded terminal, and knew about neither when the rep was in the shop.
Before you sign, ask who the merchant services provider is, what the term and the early termination fee are, and whether the hardware is a purchase or a rental. If those answers are unsatisfying, a system where one company sets both the price and the contract, such as Square, removes the question. If you want Clover hardware anyway, buy it from a reseller that publishes its prices, such as Dharma Merchant Services, and compare the all-in cost against Helcim before you commit to three years.
What reviewers say in their own words
Excerpts below are quoted from reviews published on third-party platforms, with a link to each source. They are not reviews submitted to this site, and they do not count toward the Clover rating shown above. All five excerpts come from Clover's Trustpilot page, which sits at 2 out of 5 and collects overwhelmingly from merchants who went looking for somewhere to complain, so they show the unhappy tail rather than the average experience.
- "I have been trying to cancel my account with Clover for over a month, if you call you are honestly on hold for over an hour"
Trustpilot, August 22, 2026 - "The leasing and merchant services are set up as different companies so if you cancel or they decide to punt you, you still owe them"
Trustpilot, August 12, 2026 - "I sent five official written cancellation emails before the effective date of the agreement. My merchant account was acknowledged as cancelled without penalty, yet the equipment lease was transferred without my knowledge or consent."
a small business owner, Trustpilot, July 28, 2026 - "Sales agents give completely different Transaction fee rates, equipment prices, it all depends who you get."
Trustpilot, August 7, 2026 - "Clover would process payments, take money from my customers, but not deposit it into our account. I spent 3 hours on a Friday, and 6 hours on a Monday trying to figure out how to get my money."
Trustpilot, July 21, 2026
Frequently asked questions
- Are these Clover reviews verified?
- The figures on this page come from GetApp, Trustpilot and PaymentPop, formerly CardPaymentOptions, and were current in August 2026. GetApp verifies reviewers before publishing, which is why its 580-review sample runs so much higher than the open venues. Trustpilot lets anyone post, and PaymentPop collects merchant reports about processors, so both skew toward people with a grievance. None of these are reviews submitted to this site, and no merchant has published one here yet, which is why the list above is empty rather than borrowing a rating from somewhere else.
- Why do Clover reviews split so sharply between platforms?
- Because the two sets of reviewers are answering different questions. Software directories collect from people describing a working POS: how fast staff learned it, whether the reports are useful, whether the app they needed exists. GetApp's sample gives ease of use 4.0 and features 3.8 on that basis. Complaint venues collect from people mid-argument about money, and the argument is almost never about the software. It is about a 36 or 48 month term, an equipment lease held by a different entity, a monthly charge nobody recognizes, or a deposit that did not arrive. Both pictures are accurate about what they measure.
- What do Clover reviewers complain about most?
- Cancellation, first and loudest. Trustpilot reviewers describe hours on hold trying to close an account, billing that continued after equipment was returned, and cancellation fees quoted in the hundreds or thousands. Second, support: it is Clover's weakest verified score at 3.2 on GetApp, and among GetApp reviewers who mention support, 66 percent are negative. Third, charges that were never explained, from cellular data lines on hard-wired devices to app subscriptions. Fourth, held or delayed deposits. Reviewers who never tried to leave and never had funds held rarely mention any of it.
- Is the problem Clover or the company that sold it?
- Usually the seller, which is exactly what makes the review record hard to read. Clover is distributed by Fiserv directly and by banks and independent sales organizations that set their own rates, equipment prices and contract lengths. One Trustpilot reviewer puts it plainly: rates and equipment prices differ depending on which agent you speak to. So a one-star review about a surprise lease is evidence about a reseller's paperwork, not about how a Station Duo handles a Saturday lunch. The part that is genuinely Clover's is the hardware lock, and that one applies to every buyer.
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