Clover Credit Card Machine

Clover is a software and hardware company with a line of products to help business accept payments in store and online. They have three full point of sale machines, two credit card readers and a software platform to accept payments with no hardware. Their line of products covers point of sales, online ordering, gift cards, virtual terminals, reporting, invoicing and more.

What are the different Clover credit card machines?

Clover Flex – is a handheld credit card machine that accepts all kinds of credit and debit cards (swipe, chip,WeChat Pay, Alipay, contactless and NFC.) It has a 5” screen, an inbuilt camera barcode scanner and an inbuilt printer. It sits in a cradle that charges it as well.

The Clover Flex costs $299 or $99 for 3 months.

Clover Go –  is a smaller credit card machine with no screen, it connects to your wifi or cellular data. It pairs with a smart device and accepts all kinds of debit and credit card types including swipe, chip, WeChat Pay, Alipay , contactless and NFC. It doesn’t come with a receipt printer inbuilt but can connect to one.

The Clover Go costs a one off payment of $49.

Mini –
is a tablet sized computer with a case and inbuilt receipt printer. It accepts all card and payments types and has an inbuilt camera and barcode scanner. It integrates with barcode scanners and weight scales.

The Mini costs $749 or three payments of $250.

Mini, Go and Flex all have the same pricing of the plans which are as follows:

Start – Lets you accept all payments types, issue paper and paperless receipts, view sales transactions and business reports and basic inventory management (to manage items, categories and modifiers).  It also offers order management (move transfer orders and add items to partially paid orders.) Start also allows you to apply discounts at the order level and taxes at the item level. The plan also includes employee management so your employees get logins and you can track their sales. The plan comes with a $100,000 liability protection for any data breaches and 24/7 support. 

Start costs $9.95 a month. The fees are 2.6% + 10 cents for in person transactions and 3.5% + 10 cents for keyed-in transactions (which are manual entry usually when over the phone.)

Grow – Offers all the same features as Start, but has more advanced inventory management which lets you “Set up items, categories, and modifiers; move or transfer orders; add items to partially paid orders.”Grow costs $39.95 a month. The fees are 2.3% + 10 cents in person transactions and 3.5% + 10 cents for keyed-in transactions.

Payments Only
– Is the most basic plan and it doesn’t offer all the inventory management and sales reports. It only offers paper and paperless receipts and accepts all payment types.Payments Only is free and the fees are 2.6% + 10 cents for in person transactions and 3.5% + 10 cents for keyed-in transactions.

Station Solo – is a full replacement for the old school cashiers designed for restaurant use.It comes with a lockable cash register, receipt printer and a 14” screen. It allows for fingerprint login and allows you to create highly customised orders (like changes to a menu item.) It lets you manage your floor with table mapping, tracks food orders, send orders from the tableside to the kitchen, manage and schedule staff.

The Station Solo costs $1349 or $450 for 3 months.

The Station Solo + Flex is $1699 (which includes a Flex for ordering) or $566 for 3 months.

They don’t publicize their monthly prices.

Station Duo – is the Station Solo which has a second screen that faces the customer so they can make payments and view the transaction. It comes with a receipt printer, a lockable cash register and two screens. The Station Duo takes all payment types Swipe, dip, or tap. Credit or debit. NFC payments including Apple Pay, Google Pay, WeChat Pay and Alipay. It also comes with fingerprint logins and end to end encryption to keep your and your customers data safe.

The Station Duo costs $1649 or $549 for 3 months. They charge $70 a month for a Station Duo plan.

No Hardware – Clover also lets you accept payments without any terminals. You can accept payments over the web, over the phone or in person, however it requires you to type in the card details. This means the processing fees are 3.5% + 10 cents rather than the cheaper plans. Clover also charges $9.95 a month for this product.

All Clover plans charge $25 per chargeback, and offer an optional LTE plan for the machine for $15.

How to use clover credit card machines

All the Clover machines require an internet connection to get going. Depending on the model you may either connect it via Ethernet, Wi-Fi or using a sim card and LTE connection. Also you’ll need to plug it into power to get it charged and ready for use. Once you’ve left it to charge you turn the device on and connect to your cellular device or Wi-Fi. Once you’ve connected to the internet you’ll get an email with an activation code which you need to put into the device. Finally you’ll set up if you want to take tips on the machine  or the receipt and if you want the device to have a password. 

Pro’s and Con’s of Clover

Pros of Clover include:
-Ease of use

-Aesthetically nice

-Good tools to track and report transactions
-Intuitive back office management portal

-Interface of devices very user friendly

-Inventory management solution works well.

-Good integration with third-party payment processors

Cons of Clover:
-Poor customer service

-Mostly focused on food service businesses

-Based on older Android operating system so can be slow

-App setup can be a bit confusing 

-Apps are a tad difficult to use

-Not suited to larger companies.

Clover reviews

Clover unfortunately has very bad reviews on Trustpilot with 384 reviews and 1.3 stars. Most users complain that Clover’s customer service is very poor. Many people review Clover with 1 star because their plans are hard to get out of. They also have poor reviews about holding cash payments up and not explaining their plans transparently. 

Final verdict

Clover has some great credit card machines and a number of different plans. If you’re a restaurant they are well set up for your business. However they have been criticized for poor customer service and intransparent monthly plans and bills. So be sure to check out our list of other credit card machines to see if there is one that is a better fit.