Clover POS Overview

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All-In-One POS Systems

Launched in 2012, Clover (clover.com) is a lineup of Android point-of-sale products offered by First Data. Clover was originally founded as an independent tablet-based POS provider in 2010, but it merged with First Data in 2012 and has since become the company’s flagship point-of-sale product.

Clover Network Product Offerings

In addition to the original tablet-based Clover Station POS system, Clover has added Clover Go (an EMV-compatible mobile card reader), Clover Mini (a smaller tablet-based POS system), Clover Mobile (a mobile tablet-based POS system), and Clover Flex (a mobile reader with a printer attachment). All Clover POS products are cloud-based and therefore will require the use of an on-site internet connection. Whether purchased directly through First Data or from a reseller, Clover will always come with an attached merchant account.

Clover POS Headquarters and Ownership

Frank Bisignano is the chairman and CEO of First Data, while John Beatty is the co-founder and CEO of Clover. Multiple sources list the company’s address as 415 N Mathilda Ave, Sunnyvale, California 94085.

Clover Review Table of Contents

  • Costs & Contract: Clover’s costs and contract terms will vary from reseller to reseller.
  • Complaints & Service: Clover has received more than 70 public complaints.
  • BBB Rating: Clover does not have a profile with the Better Business Bureau at this time.
  • Sales & Marketing: Clover itself does not engage in misleading sales tactics, but transparency will vary from reseller to reseller.
  • Rates & Fees: How Merchants Got The Best Deal On Clover.

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Products & Services Offered

  • Debit and credit card processing
  • Tablet POS
  • Mobile payment processing
  • Add-on services via an app market
  • Online store
  • Merchant cash advance

Types of Businesses Served

  • Retail
  • Mobile
  • E-commerce
  • Restaurant
  • Quick service
  • Appointment-based

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Clover POS Rates, Fees, and Costs

Key Points

Swiped Rate 2.3% + $0.10 - 2.7% + $0.10
Keyed-in Rate 3.5% + $0.10
Register Lite Plan Monthly Fee $14
Register Plan Monthly Fee $29
Early Termination Fee Up to $500
PCI Compliance Fee Undisclosed
Equipment Cost $999 - $1,199

Variable Pricing

Clover’s price and contract terms will vary from seller to seller. The full Clover Station typically (with barcode scanner and cash drawer) costs a little over $1,000, but resellers are free to change this price or offer long-term lease agreements. Clover offers two plans: “Register Lite,” which costs $14 a month and is best suited for businesses with credit card sales of less than $50,000 per year, and the “Register” plan at $29 per month, ideal for businesses processing over $50,000 per year in credit card sales. Under both plans, Clover offers a keyed-in transaction rate at 3.5% + $0.10; in-person transactions are charged at  2.7% + $0.10 through the “Register Lite” plan, while the “Register” plan has a 2.3% + $0.10 in-person transaction rate.

Opt For a Highly-Rated Reseller

In addition, apps purchased through the Clover app store can range from free to more than $99 per month. Merchant account rates and fees may be negotiated separately from the cost of the Clover hardware, and they are similarly up to reseller discretion. For all of these reasons, merchants can expect to receive fair pricing with low rates through a positively reviewed reseller, and they are more likely to experience poor lease terms and high rates through a poorly reviewed reseller.

Value in Versatility

While Clover’s overall costs are higher than that of a conventional credit card terminal, the product is infinitely more versatile than a basic phone line card swiper. Clover also has the advantage of offering a mobile card reader that is fully EMV-compatible. Generally speaking, merchants who complain about Clover’s cost only mention merchant account fees or termination fees, neither of which are enforced by Clover. If one merely compares the price of its system (e.g. an Android tablet with a monthly software license and a few hardware peripherals) to the value provided, Clover is slightly more expensive than similar products. However, the full cost of buying a Clover system through a merchant account provider has the potential to be either a great deal or a terrible one. Merchants are advised to request and review all documentation and compare Clover’s pricing and features to those of its competitors.

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Response from Clover POS

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Clover POS Complaints & Customer Reviews

Key Points

Total Online Complaints 100+
Live Customer Support Yes
Most Common Complaint Tech Issues

Growing Complaint Total

We are currently able to locate more than 100 negative Clover reviews, some of which accuse the company of being a ripoff or a scam. The complaints can generally be divided into two categories: complaints about the merchant account contract associated with Clover, and complaints about the Clover system itself. The former category has received little consideration in this review, as it depends in large part on the individual reseller providing the Clover system (merchants are not required to use Clover’s provided merchant accounts). Complaints of this type include high transaction rates, fund holds, high cancellation fees, high equipment costs, and deceptive sales conduct.

Clover Customer Support Issues

On the other hand, there are still a significant number of complaints directly related to the Clover system and the customer support required to troubleshoot it. Merchants report hardware malfunctions, software glitches, and unhelpful customer support for the product. Restaurant-industry merchants in particular seem to have negative reports about the product’s dependability in high-demand environments. Such merchants may want to consider selecting a top-rated iPad-based POS system to ensure their needs are met.

Clover Lawsuits

We have not found any outstanding class-action lawsuits or FTC complaints filed against Clover. Dissatisfied merchants who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.

Customer Support Options

The Clover website lists dedicated phone support lines, email, and a troubleshooting portal. At this time, Clover does not qualify as a top customer service processor.

A “C” Overall Performance

In general, Clover has received a low-to-moderate complaint total compared to the total number of merchants who have likely used it. The system’s cost and the severity of some of the complaints have lowered its rating in this category to a “C.” 

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Response from Clover POS

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Clover POS BBB Rating Summary

Newly Created BBB Profile

Clover’s profile with the Better Business Bureau has been recently established. The company had no profile at the time of our last review. As of this review, the company holds an “F” rating with the BBB and has had 4 complaints filed against it. 2 of the complaints were due to problems with a product or service while the other 2 related to billing or collections issues. The company has also not received any informal reviews on its BBB page, but it should be noted that these reviews are not subject to verification by the BBB.

An “C” Performance

Though the BBB rating of an “F” is likely due to the negative complaints filed against the company, we disagree with their rating at this time. However, given the recent establishment of the profile, we feel that it is too soon to judge the validity of this grade so we have given Clover an average rating of a “C” while it continues to receive feedback from merchants through the BBB. Merchants should be that there are good reasons to be skeptical of the BBB’s rating system.

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Response from Clover POS

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Truth In Marketing & Advertising

Key Points

Employs Independent Resellers Yes
Advertises Deceptive Rates No
Discloses All Important Terms No

Multifaceted Sales Approach

Clover is the primary POS solution offered by First Data and therefore has the full might of First Data’s marketing department behind it. Clover is sold through First Data’s official channels, through independently contracted First Data sales agents, and through the vast army of resellers who have contracted with First Data to resell First Data merchant accounts and the Clover suite. In fact, if you currently accept credit cards, there is a good chance that your merchant account provider can sell you a Clover product.

Resellers Set the Tone

Accordingly, the Clover sales experience can range from very bad to very pleasant depending on the entity making the sale. The bulk of Clover POS systems will be sold by First Data or by an ISO of First Data, and while First Data is far from a top-rated merchant account provider and currently has a “C” in this category, its resellers’ grades vary depending on how closely they mimic First Data’s sales approach. Merchant account pricing and fees will be set by the merchant account provider rather than by Clover, so these, too, will vary.

Clover Service Complaints

The only Clover complaints we can locate that could be classified as sales issues are complaints that the product malfunctions, does not do what the salesperson said it could do, or is a bad fit for the merchant’s business. Since Clover itself does not usually market the product directly to merchants, we have chosen to classify these complaints as service complaints rather than sales complaints.

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Response from Clover POS

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Clover POS Marketing Example

Clover Logo

Our Opinion of Clover POS

A Decent POS Option

Clover rates as a competitive POS option according to our rating criteria, but the possible outcomes for merchants appear to vary wildly. Merchants may receive dependable Clover equipment with solid customer support and fair pricing from highly rated merchant account providers, or they could end up paying too much for faulty equipment and poor customer support through low-rated providers. The Clover system itself has the potential to be a reliable cloud-based POS for retail and mobile merchants, so interested merchants are advised to consider Clover while also doing their research. Small merchants with low-volume business interested in a low-cost alternative to the Clover POS system may be better served by a low-commitment mobile credit card processing app.

We rely on your feedback about Clover POS to keep this review accurate and up-to-date. Please take a minute to tell us about your experience. We and the small business owners of this world thank you!

Thank you for reading my review. I hope that it has helped you with your research.

Why I'm Qualified to Write About Credit Card Processing

I'm a former credit card processing sales director who left the industry to start my own a small business. From the time that I starting working in the merchant services industry to when I left to write about it, I've been on the pulse of payments for nearly 15 years. It didn't seem fair to keep this insider knowledge to myself, so built this website to help small business owners research which service providers to use and how to save money on rates and fees. I've reviewed hundreds of companies, read thousands of user reviews, and learned the pricing tricks of every provider. If you have questions about credit card processing, you can find the answers here. I can help you save money with your current merchant account or help you find a new one. Message me here to get started.

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22 Reviews Leave Your Review for Clover POS Below

  1. Pawee Sae-chua says:

    Pro
    1. Nice looking
    2. Easy to use

    Con
    1 accounting is a machine
    2 when speaking to someone in accounting they don’t know what they are doing
    3 not restaurant user friendly
    4 the category and modifier setting on the pos don’t go hand in had
    5 have to pay extra for payment buttons and discount buttons
    6 if credit card reader break they don’t replace it if a lease the collect 200$ for the new one
    7 if you buy out clover it don’t cover the card reader or the system
    8 if you lease it and find a better system there is no one to answer the call, the answer machine just tells you what to do and then clover will try to charge 2000$ to break the lease.
    9 just don’t buy it !!


    This post will help: Best Restaurant Merchant Accounts

    -Phillip

  2. Vlad says:

    This company is a complete joke please stay away from this we never post reviews but all what you read before this is complete true. They will hold your funds make promises and customer service are just terrible!!! Save yourself a headache and go somewhere else right now they holding $5700 of our funds at their risk department and no one is available to help out we would never recommend this company to any one bad bad experience! Hopefully we would not have to go farther and open a law case under this business. Save yourself a big headache!


    This post will help: How to Make Your Payment Processor Release Your Money

    -Phillip

  3. It’s ridiculous yours waiting time in the phone. once you want our business you are there in seconds. but when we decide to cancel our service with it takes hours for someone to take our call. once it happens you just simply hang out our call and nothing gets resolve.


    This post will help: Best Restaurant Merchant Accounts

    – Phillip

  4. Rebecca Landis says:

    I am just starting to use a Clover Flex for SNAP EBT tokens at a farmers’ market. It appears that First Data won’t allow manual entry of cards with bad mag stripes. And we could not use the machine to clear offline food vouchers. Most farmers’ markets have just one wireless card reading machine. When it dies, we authorize over the phone on laborious forms, that have to be cleared one by one on the new equipment. This is part of offering SNAP EBT, and First Data is shirking that responsibility.


    This post will help: Best EBT Payment Processors

    – Phillip

  5. Clover is not the system for you if you are a retail business/store. Clover is tailored to the restaurant atmosphere. My sales rep told me everything I wanted to hear and answered all my “can I do this on the system” questions with a yes…when in reality the answer was no. If you want to do anything more than a basic sale, plan on spending money on an app. You have to purchase an app for every single thing you want to do. Even something as simple as inventory management requires an app. Why would I want a system for my retail store that doesn’t help me keep track of my inventory? Want price stickers for your product? Well, plan on paying for that too. Such a huge disappointment for my brand new business that is going to take me forever to pay for in addition to the monthly fees. The salesman had no clue what he was answering yes to but I am the one who will now suffer. The help desk is clueless as well.

    From The Editor
    This Post Might Help: Best Retail Merchant Accounts

  6. Stacey Mobley says:

    So, I finally rid myself of Clover / First Data. From the beginning I have been extremely unhappy with them. The biggest thing to me was the lack of full disclosure. When they were selling me on Clover they gave only partial info, especially when dealing with First Data rates. They sold me a on the “great % rates”, but fail to mention ALL the fees, the REWARD Fees, not to mention they took several times, PCI fees more than once a month. First Data was hard to deal with. This was the biggest thing for me. Today echoed the same frustration when closing my account. They are never committing to anything, just “ok I understand”, or just by ignoring what you’re saying. For me Clover software/platform may have been updated since 2015, but its not worth the First Data interactions. Also, their App Store has many startups that have ZERO support. I have used 2 & immediately canceled during my time using Clover. Talk about frustration. Bottom line, if you go with Clover, make sure you get ALL the facts about your contract. Keep In mind you pay Clover subscription fee & then you pay another fee for basically the same thru First Data. Reward Fees were never disclosed to me when giving me such a “great % rate” for my transaction charges. then be on the look out for PCI charges (I was doubled charged quite a bit), then there are the Annual, Semi-Annual, or monthly Credit Card company fees (Visa, Amex,etc.) Also, First Data does not really give rate reductions on evaluations of your account. They are in the business of making money, so why would they. Also, the portal to access your First Data is aggravating. the site is not laid out well , you have to change your password every 90 days, & you cannot set your own user id. You also have to reset Clover access every 90 days. Buyer beware…. All I’m gonna say. I am now using Square and being CHARGED WAY less than with CLOVER/First Data. People can say this is false all they want, but I am not paying Rewards Fees, PCI fees, Square Subscription Fee = Clover Subscription Fee,. I say you compare your rates & then you will see your paying quite above their 1.29% – whatever they are charging now (starting off %—-not including the rest). I pay 2.5% plus $.10 per trans on SQUARE REGISTER & then I pay 2.75% on Square POS (iPad). All in one access – not on 2 sites like Clover/First Data.

    From The Editor
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  7. Roberto Tolentino says:

    First off DO NOT BUY. Clover POS is a nice device but everything behind it is a mess . They don’t deposit on time , they hold your funds for no reason , they turn their backs on customers . They have NO customer service. The device turns on and off on its own meaning it always malfunctions . So overall please look for a different POS system . Thank me Later

    From The Editor
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  8. Dreyson W. says:

    We used Clover for our business a couple of years ago. We had to pay them over $3,000.00 in 3 yrs and after 3 years we had to pay an additional $400.00 just to be able to keep it! They won’t let you out of contracts and will drain you of every penny you have! These guys are scam artists!! Never again will I use their product!!!


    From The Editor
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  9. Kristi says:

    I run a corporate thrift store. We have these devices. When they malfunction, we are told to call the elevated services line for help. Normally the experience is wonderful! This time, however, not so much. The stores we run sometimes have 1 or 2 registers and they malfunction during business hours. We cannot always pull a cable from 1 to use on another when the only other device is being used to assist customers! I had 1 device down, offline, and the young lady I spoke with (no name was given) spoke to me like I was an idiot. I’m no techie, but I’m not dumb either. I simply asked for her to describe the cord I was to be looking for, as I had at least 6 different ones in front of me, all leading to different things! When I found it, she asked me to plug it into another port. I simply advised that the only other port was the one my phone was connected to so I could not do that. She snapped at me and asked me what my phone had to do with anything!! She asked me for the device number, which I did not have so I asked her where I would find that (mind you, I have this info in my office, however I was not in my office and knew it could be accessed on the device, I was just not sure where). She scoffed through the phone like I had asked a stupid question and it seemed as if it was too much of me to be asking her where to locate this info. Turned out, I could not locate the info because it was not where she said it was, which in turn made her even more rude. I call this service for help, not to be talked down to and treated like a child. We were given this number because we can’t always wait on hold and go through a call tree until we get someone to help us because we have a business to run and customers don’t always understand why they have to wait! This was not efficient. This was not helpful. Being as I’ve had better experiences int he past, I am hoping this is a one time incident. With the way the devices seem to go through “moods”, i guarantee I will be calling again! And let’s not even start on how our Rep has yet to send us the rolls of printer paper we were promised a month ago, when they were installed! We have 18 stores and 3 of us have not received printer paper. I have had to purchase some outside of Clover just to get us through because we don’t want to be charged twice when we finally receive what is said to be “on the way”. Not the least bit convenient.


    From The Editor
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  10. Beck says:

    They hold our $30k over 2 weeks, we’ve never seen the money. They wanted us to cancel the transaction, we did, 2 days later they have withdrawn $ 30738. Hard to get customer service, if you want to terminate their service it’s another $485. We’ve never told we’re signing the contract. Please DON’T get Clover

  11. mike says:

    The only reason it get a 1 star is because there is no lower ranking. Terrible customer service. I was bamboozled in the beginning as I didn’t know much about running a restaurant yet and contracted with Clover and First Data. I called today to get a payoff on my equipment (Countertop POS, Two minis, a countertop printer and a kitchen printer), after paying on it for almost two years and I still owe over $4000!!!!! I had done the lease but I guess at some point I was so desperate to get a system set up that I missed that it costed over $8000!! I was focused on the lease price. Stay away! Then I was then raked over the coals with with First Data for over a year and a half where they were over charging my percentage. I fought for over a year and finally got refunded over $5000 of wrongful billing because “a decimal ha d been moved when entering the rates” yet I called time and time again yelling about it and they couldn’t find it but all of a sudden did. I know they owe me more but what can I do about it. It took me a year to get that back. Stay away if your smart – see all the bad reviews. There are much cheaper POS systems out there that have more functionality. You’ve been warned.

  12. Jodi Bohon says:

    SCAM!! … We “rented” the Clover for a trial period, under the guise that we could switch our website over, and do more TO it using Clover… That wasn’t true, this system allows us to do less than our current web host. Not the end of the world, it just isn’t a good fit… The problem is that Clover is refusing to cancel our account now, and continues to take endless unexplained hidden fees straight from our bank account! … The rep says she cancelled it, Clover says there is no cancellation in the system, and round and round we go. Clover reps themselves tell us that they “don’t know what the fees are for” that they are (seemingly) randomly taking from our bank account. We actually never even swiped one transaction with it, or published a website (we realized within the first couple of entries that the web hosting couldn’t do what we are currently doing), nor did we add any features. THIS CAN’T BE LEGAL! But they still refuse to cancel our “service” and continue to take unauthorized fees from our bank account, and are whistling all the way to their bank with OUR MONEY! With all due respect, these people should be shut down.

  13. Ray Pena says:

    Please stay away from this company unless you prefer to pay outarages fees for card processing. While at the bank (BOA) opening a new business account I was told if I accepted card payments I should consider Clover as they had better rates than the other card processing provider i was using. They had me sit in another room with a Clover representative. The lying Clover employee promised I will be paying just a flat rate that was about half of what I was currently paying. It turns out there is fee after fee after fee on top of my supposed flat rate processing fee. I went from paying 2.9 % fee with the other company to paying 3.5 % plus $30 monthly maintenence fee, $10 mobile payment monthly fee, random (random as in the percentage varied from month to month) batch settlement fees, random AVS Wats fees, random Visa network fees, random assessment fees and new fees. Not too mention if your customer uses a rewards or perks credit card you get charged an extra 1% or more depending on the card!!!! So there is no way for you to know exactly how much a transaction is actually costing you. Every transaction will total up to a different fee. So your supposed “Flat Rate” only applies to certain basic credit cards with no perks or rewards. Which there in no way for you to know which kind of card your customer is paying with. The Clover representatives are purposely lying and deceiving customers to get you to sign up. They are scammers and will cost you a ton of time and money in the long run. I’m out hundreds of dollars becuase I was unaware of all these hidden fees which are tacked on to my supposed “Flat Rate”! Go with a company who will not lie to get your business and steal money directly from your bank account. And to make it worse, if you cancel they will still charge you the remainder of the months “Maintenance, Monthly & Random ” fees!

    1. Ben says:

      The first issue is you went thru your bank and not Clover directly. I’ve come to learn that the bank has an arrangement to sell Clover and their terms, fees, and rates are determined by your bank. Clover being the support is controlled by what the contract written by your bank. Clover cannot adjust or make any changes not agreed to by your bank. It is your bank at fault.

  14. Mike says:

    Worst system ever. Extra they are a scam. I’m now dealing with the same thing with my business. Extra charges, unreliable service and I get to spend the day being transferred or on hold dealing with all the issues. If it says says clover. Hang up.

  15. Dan Nguyen says:

    Clover is NOT a reliable system and partner. constantly run into system problems and their customer support is clueless and disaster. Stay away from Clover!

    1. Ben says:

      Hey Dan. The individual you have discussed with should have asked more questions to fully understand your business and what you need. This clearly sounds like someone who wanted to sell you something and not really interested in providing you with a solution that fits your needs. In this industry you need to have a knowledgeable person.

  16. Scott says:

    We own a boutique where we also offer screen printing and embroidery. The clover system was sold to us as full POS system. Not the case at all. We were all excited to get started with it. It looked modern, cool, and expectations were high. When we tried to ring up our first printing order of more than 100 pieces we found our first issue. The system will not allow sales of items with a quantity of more than 100. Not a good thing when we routinely sale t-shirt orders of more than 100 shirts. We either had to make up multiple skus, which made a receipt look terribly unprofessional or make an invoice on word. Then I wanted to run a report on inventory value. Not possible. You can export a report to excel but good luck with that. My wife and I have both called customer support. We were both told that when enough people complained about the same issue, they may look into a fix. Until then, nothing would change. This was after going through multiple customer service reps who didn’t even understand what I was asking for help with. When asked if we could return the 2 POS systems we bought we were literally told “they’re yours, you bought them, do what you want with them, you could try selling them on ebay”. Needless to say, at this point, POS and Clover have a whole new meaning for us. Definitely not “Point of Sale” or “Lucky Clover”. We’re currently looking for another option, over $2000 and a lot of frustration later.

    1. Akerr says:

      You only need a standalone terminal to process payments. POS systems are basically a huge expensive tool you don’t need!
      I have terminals next to Clover stations all over the place. Eventually it will be a paper weight…

      1. shubbie says:

        Hi, Please could you explain what you mean by Standalion payment process. I am starting a new business and all these rates are scary.. thanks

        1. Jay Jones says:

          They’re talking about just getting a regular credit card terminal such as a Verifone VX 520 or Ingenico ICT220. With the Clover Mini you can use it as a standalone terminal without paying the monthly Service fees. You will be able to accept chip cards and NFC (Near Field Communcation) transactions such as Apple Pay, Samsung Pay, and Google Wallet. If you’re needing something to manage your inventory, business, and more features. Clover is a good solution for small business with small inventory and quick service restaurants. The monthly fee and cost of unit will vary depending on who sets up your account.

    2. Shimie Lew says:

      Hi,

      I see your post and I understand you before the devices even arrived. I’m going to have the same issues as you described above. Clueless customer support and the sales you into something they have no idea if it will fit your needs. I wish we can talk and you can guide me with further options.

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