For Restaurants: 2.3% + 10 cents per card-present transaction and 3.5% + 10 cents per card-not-present transaction.For Retail and Services: 2.3% + 10 cents to 2.6% + 10 cents per card-present transaction and 3.5% + 10 cents per card-not-present transaction.That said, Clover’s default payment processing fees (with Fiserv) are listed as follows: As long as your reseller can process the payments, you can accept credit, debit, gift cards, and contactless payments like Apple Pay Regardless, the software remains the same. Do your research to find the most reputable merchant service. Fiserv has a list of trusted resellers but does not monitor them all. This means you may be able to find more equitable payment processing rates and cheaper hardware-or you may find yourself in a bad deal. They all use Fiserv as their backend payment processor but can impose their own terms and pricing. It lists 69 approved resellers on its website, but you can find Clover systems elsewhere, even on Amazon. However, it allows other merchant services to resell the POS system. So, for example, if you purchased your Clover system from Dharma Merchant Services, it will work only with Dharma.įiserv, one of the largest merchant services companies in the world, owns Clover. As of 2019, Clover cannot be reprogrammed if you change your merchant account. Most Clover complaints concern merchant account fees or termination fees, for example.įurther, you are tied to whatever merchant account you purchased the hardware from. However, beware! Clover does not dictate leasing terms or prices for third-party vendors, so check reviews to make sure you are dealing with an ethical vendor. National Processing: Affordable and reliable option for small businesses, particularly when accepting ACH and e-check payments online.Įach of the processors above offers competitive rates, transparent pricing, and decent customer service.Dharma Merchant Services: Best for restaurants and small storefronts.Payment Depot: One of our top recommendations for the cheapest merchant services for small businesses.If you are considering the Clover POS system and do not already have a compatible merchant account, we recommend that you look into the following resellers: Casual sellers will likely prefer free POS software they can use with any hardware.įiserv, which owns Clover and is the direct seller, does not have a very favorable reputation when it comes to providing merchant services to small businesses (learn more about that in our Fiserv review). Businesses with fast-moving inventory should also opt for alternative POS inventory systems. However, businesses without a preferred merchant account may want to choose one of our recommended POS systems with built-in payment processing. Clover Go is our recommended mobile payment app for age-restricted products and existing Clover users.Īdditionally, Square restricts you to using Square Payments to process transactions, so users looking for flexibility will appreciate the ability to use an existing merchant account with Clover. It is ideal for businesses that rely heavily on sales mobility-those needing to complete transactions across sales floors, events, or curbside. VERY high level of integrity and customer service.Clover leads our top recommendations for Square alternatives, providing a low-cost, fully integrated solution. is the Clover representative-they give the same report. I not only have received this service myself, but a few restaurant owners where I also know that T.J. provides incredible customer service and is always available to answer any questions. "Both my father and I used First Data through T.J. Gimme Some Surgar Bake Shoppe (Bakery & Coffee Shop) "Been doing business for a few years with TJ and he provided exceptional customer service anytime we needed anything not to mention got us the best rates our there and low fees! I highly recommend doing business with him. La Mexicana Tortilla Shop (Restaurant and Retail Store) Thank You and the family business thanks you as well. TJ has a quick response time and makes sure you understand everything before the phone is put down. Never once feeling pressured, we were more than happy to be partners with he and his team. TJ worked with us patiently as we gathered up our paperwork and numbers so he could work his magic. "Being a small business owner, it's hard to find a company/sales rep that is willing to go the extra mile.
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