Clover POS Review: Pricing, Features & Pros vs Cons

Updated October 2026

Clover POS is a cloud-based point of sale system owned by Fiserv (formerly First Data), one of the world’s largest payment processors. Launched in 2012, it has become one of the most recognizable POS brands, with distinctive white-and-silver hardware and Android-based software built for restaurants, retail, and service businesses.

Clover’s edge is its all-in-one approach. Hardware, software, and processing come bundled, so you skip stitching together separate providers, and the Clover App Market adds hundreds of integrations for accounting, loyalty, online ordering, and more. The same system runs a coffee shop, a boutique, or a full-service restaurant equally well.

Pros & Cons

How Much Does Clover Cost?

Clover prices by business type, and each type offers Starter, Standard, and Advanced tiers. Quick-service restaurant plans start at $135/mo, full-service restaurant plans at $179/mo, and retail plans at $16/mo, all on 36 months contracts with hardware bundled in. You can also buy hardware upfront to lower the monthly software fee. Processing runs 2.3%–2.6% + 10¢ for card-present sales across all plans, with higher tiers getting the lower rates.

The prices below are Clover’s published online rates. They’re a ceiling, not a floor. POSUSA is an authorized Clover dealer, and on most deals we can beat the published pricing on processing rates, contract terms, or both. If you’re comparing on price, get a dealer quote before you take the website number.

Retail Plans

The retail Basic plan runs on the Clover Compact for payments and basic register work, not a full Station setup. If you need inventory categories, variants, or a customer-facing screen, that’s the Standard plan.

Quick-Service Restaurant Plans

Full-Service Restaurant Plans

*All plans require a 36-month contract when hardware is bundled into the monthly price. Buying hardware upfront lowers the monthly fee, shown as the second figure in each row.

Clover also prices two narrower verticals. Personal services (salons, barbers, spas) start at $16/mo for a Clover Compact, and home and field services start with a web-only plan at $14.95/mo, with device bundles from $199 + $14.95/mo. Both suit mobile-first businesses that don’t need a full countertop station.

Hardware Costs (If Purchased Separately)

Key Features

POS & Order Management

• Table Management: Visual floor plans with drag-and-drop table assignment and status tracking
• Tableside Ordering: Clover Flex handheld for taking orders and payments at the table
• Order Modes: Dine-in, takeout, delivery, curbside, and drive-thru supported
• Bill Splitting: Split by item, seat, percentage, or custom amounts
• Pre-authorized Tabs: Hold cards for bar tabs with automatic closure

Back-Office & Reporting

• Clover Dashboard: Remote access to sales, inventory, and employee data from any device
• Real-Time Reporting: Sales by item, time period, employee, and revenue center
• Cloud Backup: All data stored securely with automatic sync
• Offline Mode: Continue processing payments during internet outages

Inventory & Staff Management

• Inventory Tracking: Stock counts, low-stock alerts, and variance reporting
• Employee Management: Individual logins, permission levels, and shift tracking
• Time Clock: Built-in clock in/out with timecard reports for payroll

Integrations (Clover App Market)

Clover’s Android-based platform supports 300+ apps:

• Accounting: QuickBooks, Xero, FreshBooks
• Online Ordering: ChowNow, DoorDash, Grubhub, Uber Eats
• Loyalty: Fivestars, Loyalzoo, Perka
• Scheduling: Homebase, 7shifts, Deputy
• Marketing: Mailchimp, Constant Contact
• Reservations: Yelp, OpenTable integration available

What the Reviews Say

Clover’s review profile is split, and understanding why helps you make a smarter buying decision. On software-focused review platforms, where business owners rate the actual POS experience, Clover earns solid marks:

• G2: 3.9 / 5, praised for ease of use, multi-location dashboard, and app integrations
• Capterra: 3.9 / 5, strong scores for setup speed and hardware quality
• Software Advice: 3.8 / 5, consistent ratings for daily usability and reporting

On Trustpilot, the score drops to 2.3 / 5 across more than 2,000 reviews. The gap is worth understanding. Trustpilot complaints concentrate on the payment-processing and account side rather than the POS software itself: hidden fees showing up on later statements, held funds during risk review, support agents who struggle to explain charges, and aggressive sales tactics. A large share of these trace back to banks and ISOs that resell Clover with undisclosed fees, not to Clover itself or to dealers who publish their pricing.

Clover vs. Competitors

For a deeper look at how these stack up, see our Toast review for full-service restaurant depth, Square review for month-to-month flexibility, and Lightspeed review for demanding retail inventory.

Who Should Use Clover?

✅ Best fit for:

• Small to mid-sized restaurants, full-service features without enterprise complexity
• Retail stores with food service, since Clover handles both restaurant and retail workflows
• Businesses wanting all-in-one bundles of hardware, software, and processing in one package
• Operators who value hardware aesthetics in customer-facing settings
• Multi-location operators needing a centralized dashboard

❌ Not ideal for:

• Budget-conscious startups, since Square’s free plan offers more at $0/mo
• Businesses wanting hardware flexibility, since Clover requires proprietary hardware
• Those avoiding long contracts, since multi-year commitments are standard
• Large full-service restaurants, where Toast offers deeper restaurant-specific features
• Anyone buying from a seller who won’t put rates and fees in writing first

FAQ

Verdict

Clover delivers what it promises: reliable hardware, an intuitive interface, and deep customization through its app marketplace. For restaurants and retail that want one all-in-one system instead of separate hardware, software, and processing vendors, it simplifies the whole decision. Offline payments, the remote-access dashboard, and clean multi-location scaling are real advantages.

The two things to plan around are the 36 months contract and app costs that add up. The most important move is to know who you’re buying from. The horror stories come from banks and ISOs that bundle Clover with undisclosed fees. Buy from Clover directly or from an authorized dealer with published pricing, and you get the experience that matches Clover’s strong software ratings. POSUSA is an authorized Clover dealer, and we can usually improve on Clover’s list pricing on rates, terms, or both. Worth comparing against Square for Restaurants for month-to-month flexibility, Toast for deeper restaurant features, or Lightspeed for demanding retail inventory.

Expert Rating: ⭐ 8/10. A polished all-in-one system with sleek hardware, a deep app marketplace, and reliable offline payments across restaurant, retail, and service. The multi-year contract, proprietary hardware, and inconsistent seller pricing keep it from a higher score, but bought from Clover or a transparent dealer, Clover is one of the strongest all-in-one options available.

About the Author

Jason Feemster
POS systems expert and founder of POSUSA.com, a trusted industry resource since 2011. With over a decade of hands-on experience testing and reviewing point-of-sale systems, he helps business owners choose solutions that actually fit their needs.