Clover
by Clover Network, LLC (a Fiserv company) · POS Integration
All-in-one POS hardware, software and payments platform for retail, restaurant and service businesses.
Updated August 2026 · By the ERP Research Editorial Team · Independent and vendor-neutral.
- Works with
- QuickBooksXero
- Deployment
- Cloud
- Company size
- SMB
- Pricing
- Hardware purchase or 36-month subscription, plus a separate monthly software plan and per-transaction processing fees
Overview
Clover is an all-in-one point-of-sale (POS) hardware, software and payments platform owned and operated by Fiserv, aimed at small and mid-sized retail, restaurant, and service businesses. The system pairs Android-based countertop, handheld and mobile devices (Station Solo, Station Duo, Mini, Flex, Compact and Go) with a cloud-hosted software layer covering payments, ordering, inventory, employee management, customer engagement and reporting, all accessible from a web-based Clover Dashboard.
Merchants choose a hardware device and a software plan (tiers such as Starter and Retail Growth for retail, or Counter Service and Table Service for restaurants), then extend the system through the Clover App Market, a curated third-party marketplace covering accounting, payroll, marketing, loyalty and inventory apps. Clover itself ships built-in modules for payments, promotions, customer feedback, loyalty rewards, time-slot discounts, dining/table management, time clock and a customer directory.
Because Clover is a payments-first platform (processing runs through Fiserv's card network), most back-office and ERP-adjacent connectivity is delivered through App Market partners rather than native Clover modules -- for example accounting sync to QuickBooks and Xero via third-party apps, payroll and HR via ADP, and e-commerce/omnichannel payments via Shopify.
Screenshots & demo
Demo video from the vendor's YouTube channel.
Features & capabilities
Payments
Card and alternative payment acceptance across in-person, phone and online channels.
- Tap, dip, swipe and mobile-wallet (Apple Pay, Google Pay) acceptance
- PayPal and Venmo acceptance
- Cash, check, invoice and recurring-schedule payments
- One-touch tipping and digital receipts
- Refunds, returns and exchanges
- Virtual Terminal for card-not-present payments from a computer, tablet or phone
- Rapid Deposit (funds within minutes of a card sale, for a 1.75% fee)
- Clover Capital: cash advance repaid through future card sales
Order & Inventory Management
Item catalog, order building and stock tracking.
- Item and category creation with variations and customization options
- Item- and order-level discounts
- Itemized returns and exchanges
- Stock tracking and 'sold out' marking
- Scale integration for orders sold by weight
- Open tabs and split bills
- Order types incl. QR-code, pickup and delivery ordering
- No-fee online ordering with Grubhub and Order with Google integration
Reporting & Operations
Real-time sales visibility and staff administration.
- Real-time sales tracking from the Clover Dashboard
- Detailed sales reports and tax reporting
- Cost tracking and item-level cost reporting
- Individual employee logins and role-based permissions
- Shift scheduling and time-clock management
- Employee sales, tips and refund tracking
Customer Engagement
Tools to capture, retain and remarket to customers.
- Customer database with order history and contact info
- Built-in loyalty/rewards program
- Private customer feedback collection
- Promotions and time-slot-based discounts (Happy Hour)
- Physical and digital Clover gift cards
- Email, text and app-based marketing campaigns
Extensibility (App Market)
Third-party apps that extend Clover into accounting, payroll and e-commerce.
- Clover App Market: curated marketplace of merchant-installable apps
- Accounting sync to QuickBooks Online, QuickBooks Desktop and Xero (via Commerce Sync and similar apps)
- Payroll, benefits and HR via ADP
- Shopify connection for omnichannel payments
- Sales-tax collection, filing and payment apps
- Developer REST API, Ecommerce API and Android Payments API for custom integrations
Common use cases
- Independent retail shop running a countertop Station Solo or Station Duo with integrated inventory and loyalty
- Quick-service or full-service restaurant using Clover Dining for table/tab management and kitchen order flow
- Mobile or field service business taking payments on a Clover Flex or Clover Go handheld reader
- Multi-location retailer syncing daily sales from Clover into QuickBooks Online or Xero via an App Market accounting app
- Service business collecting online bookings, deposits and recurring invoices through Clover's Virtual Terminal
- Business needing same-day access to card-sale funds through Rapid Deposit rather than waiting for standard settlement
- Merchant building a custom checkout or kiosk experience on Clover hardware via the Android SDK and REST APIs
Strengths & considerations
Strengths
- Backed by Fiserv, one of the largest global payment processors, giving Clover scale in card acceptance and a large certified reseller network
- Single vendor for hardware, software and payment processing, sold as a bundled monthly subscription rather than separately licensed pieces
- Large third-party App Market (accounting, payroll, loyalty, marketing apps) that extends the base system rather than native deep ERP modules
- Device lineup spans countertop stations, all-in-one mini terminals and handheld/mobile readers on one shared software platform
- Consistent processing rate across all major card types, including AMEX and rewards cards, per Clover's own pricing page
ERP integrations
Nightly automated transfer of sales, tax, tips, discounts and refunds into QuickBooks Online or QuickBooks Desktop; not a native Clover module
Same nightly sales-transfer mechanism as the QuickBooks integration
Pricing
Retail plans (Basic/Standard/Advanced) published at $16-$240/mo depending on plan and device bundle; card-present processing at 2.3-2.6% + 10c per transaction, keyed-in at 3.5% + 10c, per Clover's own pricing pages. Restaurant and service-business pricing pages price separately. Clover states rates are consistent across card types including AMEX and rewards cards. Get an independent shortlist with pricing guidance below.
Technical & security
- Hosting
- SaaS (Clover-hosted, cloud-based dashboard and reporting)
- Compliance
- PCI DSS
- Mobile app
- Yes
About the vendor
- Ownership
- Subsidiary brand of Fiserv, Inc. (NASDAQ: FI)
Alternatives to Clover in POS Integration
Clover — frequently asked questions
Does Clover integrate with QuickBooks or Xero?
Yes, but not natively. Merchants add a third-party App Market app such as Commerce Sync, which transfers daily sales, tax, tips, discounts and refunds into QuickBooks Online, QuickBooks Desktop or Xero on a nightly basis.
Who owns Clover?
Clover is operated by Clover Network, LLC, a brand of Fiserv, Inc. Clover's own site describes Fiserv as 'our parent company.'
What does a Clover POS system cost?
Clover is sold as hardware plus a monthly software plan plus per-transaction processing fees. Published retail software plans start at $16/month, hardware starts around $349, and card-present processing is 2.3-2.6% + 10 cents per transaction on Clover's own pricing pages.
What Clover hardware devices are available?
Clover's current device lineup includes Station Solo and Station Duo countertop systems, the Mini all-in-one touchscreen terminal, the Flex handheld device, Compact and Go mobile card readers, plus a web-based Virtual Terminal that needs no device.
Can I extend Clover with third-party apps?
Yes. The Clover App Market offers apps for accounting (QuickBooks, Xero), payroll and HR (ADP), e-commerce (Shopify), inventory, marketing and more, and developers can build custom integrations using Clover's REST API, Ecommerce API and Android SDK.
Evaluating POS Integration?
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