clover.com

What Clover.com Is — Straight and Clear

Clover.com is the online home of Clover, a cloud-based point-of-sale (POS) and payment processing platform for small and medium businesses. It’s designed to be an all-in-one business system where you can take payments, manage sales, run operations, and connect tools — all from the same platform. (clover.com)

At its core, Clover combines:

• Hardware — like countertop terminals, pocket-sized devices, and station systems for full stores or restaurants. (clover.com)

• Software — tools for sales management, inventory tracking, employee scheduling, loyalty programs, and reporting. (clover.com)

• Payments — processing credit/debit cards, contactless wallets (Apple Pay, Google Pay, etc.), and more. (clover.com)

• Integrations — app marketplace, online ordering, ecommerce connections, external accounting or loyalty apps. (clover.com)

In short: it’s both a physical terminal system for in-person checkout and a software hub for business management. (clover.com)

Clover is backed by Fiserv, one of the largest payment processors in the world, and has roots back to around 2012. (Wikipedia)

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How Clover Works — Practical Details

You don’t just visit Clover.com to browse — you actually use it to:

• Configure your Clover account

• Choose hardware and a pricing plan

• Manage business tools and reporting

• Access dashboards and apps for daily operations

Payments

Clover’s payment processing lets you accept:

• Swipe, chip, and contactless card payments

• Mobile wallets (Apple/Google/Samsung Pay)

• Gift cards and traditional cash/checks

• Online payments and phone orders via Virtual Terminal (clover.com)

There are extra layers like PCI-certified processing, offline payments (if internet drops), and fraud protection. (clover.com)

Devices

Hardware options include:

• Clover Flex — mobile handheld POS for tableside, line, curbside. (clover.com)

• Clover Mini / Station Duo / Solo — countertop systems with screens and printers. (clover.com)

• Kiosk and Kitchen Display Systems — for self-service and restaurants. (clover.com)

Software & Business Tools

Clover gives you built-in tools for:

• Inventory tracking and automated reporting

• Employee scheduling and payroll basics

• Customer engagement, loyalty, and rewards

• Online ordering and custom checkout pages

• App integrations for expanded features (clover.com)

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Fees & Pricing (Not the Hype)

Pricing isn’t one fixed number — it depends on device type, subscription tier, business category, and transaction volume.

Transaction Fees

Depending on the plan you pick, fees typically sit around:

• 2.3%–2.6% + ~$0.10 per in-person card transaction

• ~3.5% + ~$0.10 per keyed-in (online/phone) transaction
  (All of these can vary by business and agreement.) (KORONA POS by COMBASE)

Subscription & Hardware

Clover charges monthly software/subscription fees plus hardware costs. Plans break down into tiers and business types (restaurants, retail, services, etc.). (clover.com)

Examples seen in industry pricing guides (not official Clover listings, but realistic from merchant experiences):

• Retail starter bundle: ~$279 or ~$13/mo

• Full service restaurant starter: ~$1,699 + ~$89.95/mo

• Quick service: ~$799 + ~$59.95/mo
  (Your mileage may vary — always check current offers.) (business.com)

You might also see a 90-day free trial on some software features, and Virtual Terminal has its own $14.95/mo option if you’re not using full POS hardware. (clover.com)

Subscription contracts can be long (often 3 years) and early termination can cost extra — this matters if your business needs flexibility. (clover.com)

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Where Clover Works (Not Just US)

Clover sees use in the US, Canada, UK, Europe, and parts of Latin America. Region-specific pricing and service terms apply; the UK site shows rates and monthly service fees tailored to that market. (uk.clover.com)

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Key Takeaways

Here’s what you really should know without gloss:

• Clover.com hosts an integrated POS + payment system — software + hardware + apps + reporting. (clover.com)

• It’s meant for small to medium business owners who need more than a standalone card reader. (Wikipedia)

• Fees are layered: you pay monthly subscriptions and per-transaction fees, plus possible hardware costs. (clover.com)

• You can take payments in-person, online, or over the phone with the same system. (clover.com)

• A big part of the appeal is all-in-one operations management — inventory, staff, reporting, loyalty and more. (clover.com)

• Contracts can have length and termination terms you need to understand before signing. (clover.com)

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FAQ

Is Clover just a card reader like Square?
No. Clover is a full POS platform with hardware screens, software management tools, and integrations — more complete than a basic reader. (Wikipedia)

Can Clover work for online sales?
Yes. Clover supports online payments and integrates with platforms like Shopify/WooCommerce through its ecommerce tools. (clover.com)

Do I need to buy hardware to use Clover?
Not necessarily. You can use Clover’s virtual terminal or phone based tools, though the full POS suite involves hardware. (clover.com)

Are the fees transparent?
They try to be, but hardware, subscription tiers, app add-ons, and processing rates all factor in — so total costs vary. (KORONA POS by COMBASE)

Can I switch to another processor later?
Some Clover hardware may be compatible with other processors after your contract ends, but this depends on device type and agreements. (business.com)