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Launched in 2012, Clover POS is a lineup of Android point-of-sale products offered by First Data (now Fiserv). 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. In late 2022, Clover announced a major partnership and integration with Uber, and in 2023 Clover and the Bitcoin Lightning Network integrated through Strike.
Clover Point of Sale
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). The Clover Station comes in Solo and Duo options, with the Duo having a customer-facing tablet in addition to the employee-facing tablet. All Clover card readers 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 offers a range of apps that can be downloaded to their POS systems. These apps include inventory management, employee scheduling, loyalty programs, and more. Businesses can customize their POS system by adding apps that meet their specific needs.
Clover provides online ordering solutions that enable businesses to sell their products and services online and accept payments through their website. This service is designed to be easy to use and integrate with existing websites.
Third-Party Hardware Compatibility
Clover POS is compatible with a variety of third-party hardware, such as barcode scanners, receipt printers, and cash drawers. This flexibility allows businesses to utilize their existing hardware, reducing the overall cost of setting up a new POS system.
Secure Payment Processing
Security is a top priority for Clover POS, as the company employs advanced encryption and tokenization technologies to protect sensitive customer data during transactions. These security measures help businesses maintain the trust of their customers and ensure the safety of their information.
Cloud-Based Data Management
Clover POS systems utilize cloud-based technology for data management, allowing businesses to access their sales data, inventory, and customer information from any device with an internet connection. This feature enables merchants to make informed decisions based on real-time information, even when they are away from their physical location.
Comprehensive Reporting and Analytics
Clover POS offers robust reporting and analytics features, helping businesses gain insights into their sales performance, customer preferences, and overall operational efficiency. These tools enable merchants to make data-driven decisions to improve their business and increase profitability.
Difference Between Clover and Square
While both Clover and Square offer payment processing solutions and POS systems, there are some differences between the two services. One key difference is the customization options offered by Clover. Clover POS systems can be customized with a range of apps to meet the unique needs of individual businesses. Additionally, Clover offers a range of hardware options, including cash registers and printers, while Square primarily focuses on mobile payment solutions. Clover also provides online ordering solutions, which is not a primary focus for Square.
Location & Ownership
Frank Bisignano is the chairman and CEO of First Data (a part of Fiserv), while John Beatty was the co-founder and CEO of Clover before acquisition. As of 2020, Jeff Dickerson serves as the head of Clover. Multiple sources list the company’s address as 415 N Mathilda Ave, Sunnyvale, California 94085.
Table of Contents
- Costs & Contract: Costs and contract terms will vary from reseller to reseller and…
- Complaints & Service: Has received more than 100 public complaints regarding…
- BBB Rating: Does not currently have a profile with the Better Business Bureau but…
- Sales & Marketing: Does not engage in misleading sales tactics, but transparency will vary from..
Clover POS Reviews and Complaints
Here's What Their Clients Say
Total Online Complaints
Live Customer Support
Most Common Complaint
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). Negative Clover reviews 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 is still a significant number of complaints directly related to the Clover system and the customer support required to troubleshoot it. Businesses report hardware malfunctions, software glitches, and unhelpful customer support for the product. Restaurant-industry businesses, in particular, seem to have negative reports about the product’s dependability in high-demand environments. Such Clover clients may want to consider selecting a top-rated iPad-based POS system to ensure their needs are met.
We have not found any outstanding class-action lawsuits or FTC complaints filed against Clover. Dissatisfied clients who wish to pursue a non-litigious course of action against the company should consider reporting it to the relevant supervisory organizations.
Clover 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.
Clover Customer Support Numbers
- (855) 608-4305 – Sales
- (855) 853-8340 – U.S. Support
Other Support Options
- Live chat
A “C” Overall Performance
In general, Clover has received a low-to-moderate complaint total compared to the total number of businesses that 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.”
Clover POS BBB Rating and Report
Our Better Business Bureau Profile Assessment
The Better Business Bureau does not maintain a profile for Pearl Payments at this time. We will not factor a BBB rating into this review until the BBB establishes a dedicated profile for Pearl Payments. As of a previous review, the company held an “F” rating with the BBB and has had 3 complaints filed against it. The company had successfully resolved all 3 issues. It should also be noted that parent company Fiserv has had 229 complaints and 60 reviews in the last 3 years, but as the company does much more than just Clover, we will not be including these in this review either.
Clover POS Fees and Rates
A Closer Look at the Contract
Don't Fall Into An Expensive Trap. See Who The Worst Processors Are.
Monthly & Annual Fees
Clover’s POS pricing plans will vary from seller to seller. The full Clover Station typically (with barcode scanner and cash drawer) costs 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, clients 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 card swiper. Clover also has the advantage of offering a mobile card reader that is fully EMV-compatible. Generally speaking, businesses that 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. Business owners are advised to request and review all documentation and compare Clover’s pricing and features to those of its competitors.
Clover POS Jobs and Employment
Hiring Standards and Ethical Marketing Assessment
Audit Your Current Statement To Find Its Hidden Fees
Processing statements are intentionally complicated so that they can overcharge you. Get clarity before you switch.
Uses Independent Resellers
Possible through resellers
Discloses All Important Terms
Multifaceted Sales Approach
Clover is the primary POS solution offered by First Data (Fiserv) and therefore has the full might of the First Data (Fiserv) marketing department behind it. Clover is sold through First Data (Fiserv) official channels, through independently contracted First Data (Fiserv) sales agents, and through the vast army of resellers who have contracted with First Data (Fiserv) to resell First Data (Fiserv) 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 (Fiserv) or by an ISO of First Data (Fiserv), and while First Data (Fiserv) 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 the First Data (Fiserv) 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 reviews 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 client’s business. Since Clover itself does not usually market the product directly to businesses, we have chosen to classify these negative Clover reviews as service complaints rather than sales complaints.
Clover POS Review Summary
Our Final Thoughts and Opinions
In this Clover POS review, we rate Clover Point of Sale as a competitive POS, but the outcomes for business owners appear to vary based upon the pricing and terms agreed upon during the sales process. Businesses may receive dependable Clover credit card processing 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 business owners are advised to consider Clover while also doing their research. Small merchants with low-volume businesses interested in a low-cost alternative to the Clover POS system may be better served by a low-commitment mobile credit card processing app.
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