Square vs Clover
Square and Clover are two popular all-purpose POS systems. Square offers transparent pricing with a free tier and works on your existing devices. Clover provides premium hardware with an app marketplace for customization, but pricing varies by reseller and can be confusing.
Our Verdict
Square wins for most small businesses due to transparent pricing, free software, and flexibility. Clover is better if you want premium hardware aesthetics and need specialized apps from their marketplace.
Feature Comparison
Pricing
| Feature | Square | Clover |
|---|---|---|
| Starting price | Free | $14.95/mo |
| Processing (in-person) | 2.6% + 10¢ | 2.3-3.5% + 10¢ |
| Processing (online) | 2.9% + 30¢ | 3.5% + 10¢ |
| Contract required | No | Varies by reseller |
Hardware
| Feature | Square | Clover |
|---|---|---|
| Mobile reader | $49 | $49 (Clover Go) |
| Countertop terminal | $149-299 | $749+ (Mini) |
| Full register | $799 | $1,349-1,649 |
| Use your own device | Yes | No |
Features
| Feature | Square | Clover |
|---|---|---|
| Inventory management | Yes | Yes |
| Employee management | Yes | Yes |
| App marketplace | Limited | 300+ apps |
| E-commerce included | Yes (free) | Add-on |
| Offline mode | Limited | Yes |
Square
Pros
- ✓Transparent, flat-rate pricing
- ✓Free software to get started
- ✓Use your own iPad/Android
- ✓Free e-commerce site included
Cons
- ✗Higher processing fees than interchange-plus
- ✗Less hardware variety
- ✗Limited app marketplace
Clover
Pros
- ✓Premium, professional hardware
- ✓300+ apps for customization
- ✓Potentially lower processing rates
- ✓Better offline capabilities
Cons
- ✗Confusing pricing through resellers
- ✗Expensive hardware
- ✗Locked to Fiserv processing
- ✗Contracts vary by provider
Frequently Asked Questions
Is Square or Clover better for small business?
Square is generally better for small businesses due to transparent pricing, free software, and no contracts. Clover requires more upfront investment and pricing varies by reseller.
Why is Clover pricing so confusing?
Clover is sold through Fiserv and hundreds of resellers, each setting their own pricing and contract terms. Always get multiple quotes and read contracts carefully before signing.
Can I use Clover hardware with Square?
No. Clover hardware is locked to Fiserv payment processing. Square requires Square hardware or a compatible third-party device running the Square app.
Which has better hardware?
Clover hardware is generally considered more premium and professional-looking. Square's hardware is functional but more basic. Clover's flagship Station Duo is a particularly sleek setup for retail environments.