Clover

POSfrom $14.95/mo

About

Cloud POS and payments platform (by Fiserv) for restaurants, with table service, online ordering, inventory and reporting.

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Key Features

Clover Dining table management (Table Service plan): visual drag-and-drop floor plans, coursing, bill splitting by item/seat/percentage, and pre-authorized bar tabs that close automatically.

Clover App Market with roughly 270-283 third-party apps from ~181-195 software vendors (accounting, loyalty, scheduling, delivery, marketing) to extend the POS.

Commission-free Clover Online Ordering: a Clover-hosted ordering page with no setup fees or per-order commissions, aggregating online and in-store orders in one queue.

Proprietary hardware family - Station Duo (dual-screen), Station Solo, Mini, Flex handheld for tableside ordering, Go card reader, and self-service Kiosk.

Offline mode that keeps taking card payments during internet outages and syncs transactions when the connection returns.

Clover Reserve powered by Tabit (launched May 12, 2026): a new enterprise-grade tier for fine-dining and full-service restaurants with multi-course pacing, advanced floor management, and AI-driven operational intelligence.

Identity-based payments via the Wink integration (face and palm biometric checkout), announced by Fiserv in 2026, plus built-in employee permissions, shift tracking, and real-time sales reporting by item, employee, and daypart.

Pricing

from $14.95/mo

Contact Clover directly for detailed pricing information, custom plans, and enterprise quotes.

What is Clover?

Clover is a cloud-based POS and payments platform owned by Fiserv, sold both directly and through banks and merchant-services resellers. It targets small and mid-sized restaurants (both quick-service and table-service) plus retail and service businesses, pairing its own hardware line (Station, Mini, Flex, Go, Kiosk) with built-in Fiserv payment processing.

As of 2026 it is the largest POS card-processing provider among small US restaurants, with an estimated 20% share and about 175,000 restaurant locations, slightly ahead of Toast. Unlike restaurant-only rivals, Clover covers restaurants and retail with one system and extends functionality through its third-party App Market rather than building everything natively.

Clover adoption: what our data shows

275 of 71,239 unique US restaurant locations (September 2026 scan)

3.1% of the 8,962 locations where we detected any technology.

Clover is the fourth-most-detected POS in our current scan, behind Toast, Square and SpotOn. Website detection undercounts counter-service systems with little web presence, so Clover's real in-store footprint is likely larger than this signal shows.

Definition: Detected public website signal (embedded widget, booking link, ordering button or platform script), not a confirmed contract or install. Scan: 238,000+ restaurant websites, deduplicated to 71,239 unique locations in the United States (50 states + DC); September 2026 recount.

See the full restaurant technology adoption report

Clover pricing

Plan	Price	Notes
Clover Payments (Starter)	$0/month software, 2.6% + $0.10 per in-person transaction	Payments-only tier, no POS software features. As of July 2026. Official clover.com pricing pages are JavaScript-rendered and could not be loaded directly; figures cross-verified via Merchant Maverick (updated Nov 2025) a
Essentials	$14.95/month, 2.6% + $0.10 in-person	Entry POS plan for simple businesses. Additional devices at the same location: $14.95/month each. As of July 2026.
Counter Service Restaurant	$59.95/month, 2.3% + $0.10 in-person	For quick-service restaurants; includes online ordering. As of July 2026. Official plan page: clover.com/pricing/quick-service-restaurant.
Table Service Restaurant	$89.95/month, 2.3% + $0.10 in-person	For full-service restaurants; adds Clover Dining floor plans, coursing, bill splitting, tabs. As of July 2026. Official plan page: clover.com/pricing/restaurant. Card-not-present/keyed transactions on all plans: 3.5% + $
Hardware (one-time or financed)	Clover Go $49-$199; Flex handheld $749; Mini $849; Station Solo $1,799; Station Duo $1,899	As of July 2026. 36-month financing available (e.g., Station Duo ~$180/month per Tech.co). Important: Clover is also sold through banks and independent resellers, whose pricing and contract terms can differ substantially

Pricing verified July 2026 from the vendor website and public sources; plans and rates can change - confirm with the vendor before purchase.

Clover pros and cons

Pros

+Very easy to learn - reviewers on G2 and Capterra (both 3.9/5) consistently say the smartphone-like touchscreen lets cashiers and new staff get productive within a day or two with little training.
+Well-designed, durable hardware is one of the most praised aspects across review platforms, and 24/7 phone support is included with every plan.
+Large app ecosystem and versatility: one system covers quick-service, table-service, retail, and services, with 270+ App Market integrations filling most feature gaps (POSUSA review).

Cons

−Poor payments-side reputation: Trustpilot rating of 2.4/5 across ~2,000 reviews, with recurring complaints about held funds, hidden fees appearing months later, and support agents unable to explain charges.
−Hardware is permanently locked to Fiserv processing - devices cannot be reprogrammed for another processor, so switching providers means buying all-new hardware (CardFellow); resellers often add 36-month contracts with early-termination fees equal to the remaining balance.
−Because Clover is sold through banks and independent resellers, pricing and contract quality vary widely, and reviewers report weak native inventory tools plus third-party app subscriptions that inflate the real monthly cost.

Top Clover alternatives

Toast

Restaurant-only platform with a deeper native stack (payroll, xtraCHEF cost management, delivery, handhelds) - better for full-service restaurants that want everything from one vendor instead of assembling App Market add-ons; Clover's closest rival at ~17% of the small-restaurant market.

Square for Restaurants

Free entry plan, month-to-month terms, and transparent flat-rate pricing make it a lower-risk start for small cafes and food trucks that want to avoid Clover's 36-month reseller contracts.

SkyTab POS

Aggressive flat pricing (around $29.99/month per station) with restaurant-focused features - frequently compared head-to-head with Clover on Capterra as the budget full-service option.

Compare all Clover alternatives

Clover FAQ

How much does Clover cost for a restaurant?

As of July 2026: software is $59.95/month (Counter Service) or $89.95/month (Table Service), hardware runs from about $49 for a Go reader to $1,899 for a Station Duo (or ~36-month financing), and card processing is 2.3% + $0.10 in person and 3.5% + $0.10 online/keyed. Independent 2026 estimates put real all-in costs at roughly $300-$700/month for small cafes and $1,000+ for busy full-service restaurants once processing and app subscriptions are included.

What is Clover used for?

Clover is an all-in-one POS and payments system: taking orders and payments (counter, tableside via Flex, self-service kiosk, online), managing tables and coursing in full-service restaurants, commission-free online ordering, employee shifts and permissions, and real-time sales reporting - all tied to Fiserv payment processing.

Can I use Clover with a different payment processor?

No. Clover hardware is locked to Fiserv's processing network and devices cannot be reprogrammed for another processor. If you switch providers you will need new hardware, and if you leased the devices you keep paying for them - this lock-in is Clover's biggest structural drawback versus open POS systems.

Who is Clover best for - and who should look elsewhere?

Clover fits small and mid-sized restaurants and retail-plus-food businesses that want polished hardware, fast staff onboarding, and one system across business types; since May 2026 the Clover Reserve tier (powered by Tabit) also targets fine dining. Restaurants wanting deep native restaurant software should compare Toast, and very small operations wary of 36-month reseller contracts should consider Square for Restaurants.

Pricing and feature details verified July 2026from vendor websites and public review platforms. Adoption figures come from RestaurantTools.ai's scan of US restaurant websites and reflect detectable integrations only.