Clover is a POS or point-of-sale system made for small businesses that want to allow customer payments in person. There are a variety of bundles and components of Clover services and third-party vendors available. Card payment processing is also offered by Clover. Payments are processed on the back end by its parent company Fiserv, a fintech and payments provider, but customers have the ability to choose their merchant service provider.

Clover’s POS is a suitable option for various types of businesses including retail outlets, professional service providers, and restaurants. The hardware required does come at a more expensive price. However, Clover does offer low fees for payment processing and decent monthly costs to make up for the pricier hardware.

Clover provides software and hardware POS for payment processing. In addition, it also provides business software such as employee management and customer engagement, that are also supported by the POS system. The hardware devices can work with the most popular payment methods such as credit cards, debit cards, cash, checks, gift cards, prepaid cards, and EBT cards.

Clover has plans to support quick-service dining, full-service dining, professional or personal services, retail shops, and field and home services. Businesses can connect the Clover POSS with third-party applications such as ordering platforms, accounting, and CRM systems. Integrating with third-party apps allows for a more streamlined workflow and increased efficiency.

The different subscription tiers offer the same standard features for restaurants. This is unlike other systems that limit accessible features to lower-priced plans. The main difference between Clover’s plan offerings is the type and number of hardware that the system will run on.

Quick Service and Full-Service restaurant plans include the following features:

• Split checks, open tabs, and tipping

• Create a floor plan for the restaurant

• Integrate with an online store

• Employee shift management

• Real-time sales tracking and tax reports

• Customer loyalty program

• Clover POS Features

• Hardware & Software

Clover offers hardware and software solutions. Customers can choose a combination of handheld devices, countertop devices, mobile readers, printers, and scanners. Businesses can also choose which functionalities and features they want to prioritize. Each system from Clover has features built-in to help with managing employees, engaging with customers, and reporting insights.

Inventory

The inventory management features on a Clover POS allow businesses to monitor the expiration dates of goods, keep track of stock levels, and even automate repetitive tasks related to inventory. Restaurants meanwhile can mobilize the POS solution to manage and customize online menus for a better customer experience.

Cloud Based App

It’s easy to integrate Clover with third-party apps like QuickBooks for accounting, Time Clock for time tracking, and more. The app marketplace contains a huge collection of free and paid apps for integration. Businesses can choose apps for online ordering, accounting, loyalty programs, and employee scheduling to integrate with Clover.

Reporting

Businesses also have access to sales data real-time, total sales for each employee, and comprehensive reports to gain better insights on how to make the business profitable. Data can also be filtered to reveal monthly sales trends and the best-selling products.

Team Management

Clover provides several features for employee management that help enhance efficiency and streamline operations. It’s easy to assign permissions and access levels for each employee, monitor team performance, and provide rewards to staff.

Clover’s pricing can be categorized according to business type. There is a plan for Professional Services, Full Service Dining, Quick Service Dining, Retail Shops, and Home and Field services. All plans allow users to manage invoices, send e-receipts, and store customer card details for quicker checkout. A transaction fee will be charged depending on whether customers use cards for payments.

Monthly Fees

Plan	Price
Personal Services Starter Retail Starter Professional Services Starter and Standard Field and Home Services	$14.95
Personal Services Standard & Advanced Retail Standard Professional Services Advanced	$49.95
Quick-Service Dining Starter and Standard	$54.95
Retail Advanced	$64.90
Quick-Service Dining Advanced	$69.90
Full-Service Dining Starter	$84.95
Full-Service Dining Standard	$99.90
Full-Service Dining Advanced	$114.85

 

Hardware

Type of Hardware	Price	Features
Clover Go	$49	Android and iOS mobile attachments for Paperless receipts
Clover Flex	$599	Handheld POS Paperless and paper receipts Sales transactions tracking
Clover Mini	$799 or $267 / month for 3 months	Compact countertop POS system Chip, swipe, and contactless payments accepted Offered to full-service restaurants and retail businesses
Clover Station Solo	$1,699 or $566 /month for 3 months	Full countertop Track POS Sales Generate reports for business insights Inventory management
Clover Station Duo	$1,799 or $600 /month for 3 months	Second screen for customers Accept swipe, dip, tap, QR code, and keyed-in payments Restaurants and retail outlets

 

Payment Processing Fees

Type of Transaction/Plan	Fee
In-person Transactions	2.3% + 10 cents
Retail Starter, Personal Services Starter, Professional Services Standard, Home & Field Services Standard and Advanced	2.6% + 10 cents
Keyed-In Transaction	3.5% + 10 cents

 

Reaching customer support is easy using the callback feature on Clover devices. You’ll have one of their business consultants call you on the phone number you provide. Some business owners prefer this method compared to forums or live chat. Clover also makes chargebacks and dispute management simpler, a common problem that other POS providers have difficulty resolving.

Clover has several pricing options and this can be quite confusing, especially for new customers. One of the biggest downsides of using Clover’s POS is that the hardware is not compatible with third-party options. Despite the extensive range of hardware options, the inability to integrate with third-party systems can give business owners a headache.

If your priority is a POS system with a variety of high-quality equipment, Clover could fit well in your business needs. Clover can support restaurants that offer dine-in, curbside, and pickup options. For retailers, the best features of Clover are seamless payments, employee management, and inventory.