Clover is a point-of-sale and business management platform from Fiserv that combines hardware (the Clover Station, Clover Mini, Clover Flex, and Clover Go card reader) with a cloud software stack used by small businesses, retailers, restaurants, and service providers, according to the official Clover product pages. The Clover Station is the all-in-one countertop terminal; Clover Mini is a compact terminal; Clover Flex is a handheld POS for tableside and line-busting; and Clover Go is a mobile card reader that pairs with a smartphone or tablet.
The Clover App Market organizes the platform's software into categories including Point of Sale, Payments, Customer Engagement, Employee Management, Inventory, and Reporting. Built-in features include the Clover Dashboard, Inventory Management, Employee Management with role-based permissions, Sales Reporting and analytics, Customer Directory with profile and history views, Tips and Gratuity management, Tax configuration, Discounts, and Refunds. Clover accepts major card networks (Visa, Mastercard, American Express, Discover), contactless payments (NFC), EMV chip cards, mobile wallets (Apple Pay, Google Pay, Samsung Pay), EBT (where applicable), gift cards, and online card-not-present payments through the Clover Online store.
The Clover payments processing structure is published as a tiered plan model on the pricing page, with options typically including the Payments Plus plan and a custom plan for high-volume merchants, with published rates that scale down by volume. The system supports API and SDK integration through the Clover Developer platform, third-party apps in the App Market, and a Webhooks event subscription. Procurement checklist for Clover: confirm the current published plan tier and processing rates on the official /pos-systems/ page, validate the hardware mix your storefront needs (Station vs Mini vs Flex vs Go), check that the App Market integrations you depend on are still supported, and confirm your local Fiserv sales and support contact. For MENA buyers, verify your regional availability of Clover hardware, supported payment methods, and any cross-border settlement requirements. All information above is sourced from clover.com (Clover product pages and pricing pages) as of July 2026.
Vendor profile
Clover is a point-of-sale system developed and sold by Clover Network, a wholly owned subsidiary of Fiserv (formerly First Data). Fiserv completed its acquisition of First Data Corporation in July 2019, per public corporate filings, and the Clover product family is distributed through both direct channels and bank-referral partners. According to the official clover.com/pricing page, Clover merchants pay a monthly software fee plus per-transaction processing rates, and the company offers Starter, Standard, and Advanced software/hardware packages across multiple verticals, including retail, quick-service restaurants, full-service restaurants, professional services, and personal services. As of mid-2026, published tiers (per Tech.co and NerdWallet summaries of Fiserv-published plan schedules) include the Clover Go Starter plan at $14.95 per month, Retail plans at $16 to $104.90 per month, Full-Service Dining plans at $89.95 to $129.85 per month, and Quick-Service plans at $89.95 to $109.90 per month, with in-person card-present processing rates of 2.3% to 2.6% plus $0.10. The hardware range is broad and includes countertop terminals, handheld units, and guest self-service kiosks. (Information sourced from the official Clover pricing page and Fiserv-published plan schedules, as of mid-2026.)
Clover offers a developer ecosystem (Clover Developer) and a Clover App Market where third-party software vendors publish add-ons for inventory, loyalty, marketing, employee scheduling, and online ordering. Per the official clover.com site, Clover hardware families include Clover Station, Clover Station Pro, Clover Mini, Clover Flex, and Clover Go, each tied to a specific retail or restaurant package. Clover also offers built-in payment processing from Fiserv, with the same in-person rates across tiers (2.3% to 2.6% + $0.10) and 3.5% + $0.10 for keyed-in or online card-not-present transactions. The Clover Dashboard can be accessed from a web browser and exposes real-time sales, inventory, employee, and customer reporting. (Information sourced from the official Clover hardware and product pages, as of mid-2026.)
