E-Commerce · E-commerce Platforms

Clover POS

Clover POS is Fiserv's point-of-sale and card payments system for retail, restaurant and service businesses, sold as hardware plus a monthly software plan.

Our take: Clover covers retail, restaurant and service businesses with devices from a phone reader to Station countertop systems.

Best forSmall shops and restaurants

ReviewedOct 2026Paid

6.85 criteria · see breakdown

Try Clover$199 (Go reader); $40/mo and up over 36 months (Flex bundle)

Clover POS is Fiserv's point-of-sale and card payments system for retail, restaurant and service businesses, sold as hardware plus a monthly software plan. On Clover's price lists the Go card reader costs $199 and the Starter software plan is $0 a month, while Flex and Mini bundles start at $40 and $45 a month over 36 months. Card-present rates run from 2.3% + 10¢ to 2.6% + 10¢ depending on the plan.

The bottom line

A broad POS and card processing system from Fiserv; compare the full 36-month bundle cost, not just the monthly software fee.

Our score

Reviewed by the Conversion Gems editorial team. Hover a facet to focus it; click to pin.Tap a facet to focus it.

What it is, and why we rate it

One line each. Open a row for detail.

What it really isPOS hardware, software plans and card processing sold together by Fiserv.

Our takeClover covers retail, restaurant and service businesses with devices from a phone reader to Station countertop systems.

Its prices are spread across many pages by business type and device, and hardware is quoted on 36-month bundles or upfront, so the real cost depends on the bundle and on the processing rate that comes with the plan.

Why we rate itClover lists a clear plan ladder, a long device line, an app market and developer APIs.

Fiserv's annual report calls Clover its POS and business management platform and lists three 2025 acquisitions that extend it into Europe, hospitality and Canada.

The catchHardware is sold upfront or in bundles quoted over 36 months, software fees rise with the plan, and keyed-in payments cost more than card-present ones.

Clover's price pages state that the prices shown are only available on Clover.com.

Best / not good for

Best for

Retail and service businesses that take card payments at a counter or on the move
Restaurants that need counter-service or table-service plans
Merchants who want hardware, software and card processing from one vendor

Not good for

Businesses that do not want to buy hardware upfront or pay for it monthly over 36 months
Buyers who want one published price, since Clover splits prices by business type and device

Trade-offs

Friction report

Trade-offs to know before signing up.

Time to value
Clover Go works with an iOS or Android phone or tablet; countertop devices need the hardware set up first.
Scale breakpoint
Software fees step from $0 to $29.95 to $84.95 a month by plan, and each business type has its own price list.
Walled garden
Hardware bundles are quoted over 36 months or as an upfront purchase. Clover's $450 statement-credit promotion for new merchants requires a 3-year contract and allows one reward per business.

Still a fit?

If none of these block you, try it on the official site.

Try Clover

Clover Go, Flex and Mini plans and rates

Plan	Software fee	Card-present rate	Keyed-in rate
Starter	$0 per month	2.6% + 10¢	3.5% + 10¢
Essentials	$29.95 per month	2.5% + 10¢	3.5% + 10¢
Services Growth	$84.95 per month	2.3% + 10¢	3.5% + 10¢

From Clover's pricing pages for Go, Flex and Mini (retail and service businesses), checked 28 October 2026. Clover Go is sold on Starter and Essentials only. Restaurant plans and other business types are priced on separate Clover pages.

Clover Go, Flex and Mini hardware prices

Device	Buy upfront	Starter bundle, per month over 36 months	Plans offered
Clover Go card reader	$199	-	Starter, Essentials
Clover Flex handheld	$749	$40	Starter, Essentials, Services Growth
Clover Mini	$849	$45	Starter, Essentials, Services Growth

From Clover's pricing pages, checked 28 October 2026. Essentials and Services Growth bundles add $29.95 and $84.95 a month for software. Bundle prices are quoted over 36 months or as an upfront purchase. Clover's pages state that the prices shown are only available on Clover.com. Promotions are listed separately below and are not included in these prices.

Clover promotions on the Flex pricing page (not regular prices)

Offer	Who it is for	Conditions	Ends
$450 statement credit when you buy a Station, Mini or Flex (online-only offer)	New Clover merchants	Credit approval; activate with a batch of $25 or more in sales within 30 days; process $10,000 or more in card transactions in the first four billing cycles; one reward per business; not combinable with other offers; requires a 3-year contract	December 31, 2026
90-day trial with no software subscription fees on the Essentials or Services Growth plan	Qualified merchants of selected business types	One free trial per merchant lifetime; standard credit approval and underwriting	Valid 5 March 2026 through 31 December 2026

From the footnotes on Clover's Flex pricing page, checked 28 October 2026. These are time-limited promotions, not regular prices.

Clover software plan types

Plan type	What it covers
Payments or Payments Plus	Entry plan for cloud-based payments plus employee and customer management; works with Mini, Flex or no device
Essentials or Register Lite	Cash register replacement with simple inventory and order management
Register	Full POS with modifiers and variants; supports Station-class devices, kitchen printers and weight scales
Counter Service Restaurant	Adds bar tabs and menu management
Table Service Restaurant	Adds table mapping and table-side ordering, firing and payments

From Clover's developer documentation, checked 28 October 2026. Plan names vary by channel and region, and Clover's price pages group plans by business type under names such as Starter, Essentials and Services Growth.

Frequently Asked Questions

How much does Clover POS cost?

Clover prices hardware, a monthly software plan and card processing separately (checked 28 October 2026). On Clover's price lists for retail and service businesses, the Go card reader is $199 and the Starter software plan is $0 a month. Flex and Mini bundles run $40 and $45 a month over 36 months on Starter, or $749 and $849 upfront. Essentials adds $29.95 a month and Services Growth adds $84.95 a month. Restaurant plans and Station systems have their own price pages.

What are Clover POS fees?

On the Go, Flex and Mini price lists, card-present payments cost 2.6% + 10¢ on Starter, 2.5% + 10¢ on Essentials and 2.3% + 10¢ on Services Growth, and keyed-in cards cost 3.5% + 10¢ (checked 28 October 2026). Go is sold on Starter and Essentials only. Software fees run $0, $29.95 and $84.95 a month by plan. Clover also lists rates by business type, so check the page for your category before signing.

Who owns Clover?

Clover is owned by Fiserv, a payments and financial technology company. It came to Fiserv with the 2019 acquisition of First Data, and Fiserv's most recent annual report describes Clover as its POS and business management platform for small businesses.

How does the Clover POS system work?

You choose a device, a software plan and a way to pay for the hardware. Devices include the Clover Go reader for a phone or tablet, the Flex handheld, the Mini, Station countertop systems and a Kiosk. Software plans run from payments-only up to register, counter-service and table-service restaurant plans, and merchants add apps from the Clover App Market.

Is Clover cheaper than Square?

There is no single answer, because the two price differently (checked 28 October 2026). Square's software plan is called Free and its pricing page says there are no locked-in contracts. Clover quotes hardware as bundles over 36 months or as an upfront purchase, with software fees and a processing rate by plan. Compare the full cost of hardware, software and processing at your own sales volume.

Is there a free Clover POS?

Clover has no standing free plan that includes hardware (checked 28 October 2026). Starter software is $0 a month, but hardware and card processing are paid. Clover advertises two time-limited promotions on its Flex pricing page, and neither is a regular price. An online-only $450 statement credit for new Clover merchants who buy a Station, Mini or Flex needs credit approval, a first batch of $25 or more in sales within 30 days, $10,000 or more in card transactions in the first four billing cycles and a 3-year contract; it is limited to one reward per business, cannot be combined with other offers and expires 31 December 2026. A 90-day trial with no software subscription fee on the Essentials or Services Growth plan is open to qualified merchants of selected business types, once per merchant, subject to standard credit approval and underwriting, and is valid 5 March 2026 through 31 December 2026.