Clover vs Square POS

Clover requires users to contact a sales team for individualized hardware and software cost quotes. Financial complaints against Clover are extensive, citing unexpected fees and complex contract terms. Square POS software is fully free, relying only on published, usage-based processing fees like 2.6% + 15¢. There are no setup fees, lock-ins, or mandatory monthly subscriptions with Square POS core software. Square POS operates on a clear, pay-as-you-go model for low financial risk. Clover operates using opaque, customized subscriptions often including expensive proprietary equipment. Square POS allows seamless growth without contractual penalty. Clover forces complex negotiations just to obtain basic service pricing information.

Clover markets an integrated solution combining its required POS systems and proprietary Card Reader technology. You will likely need to purchase or lease Clover's expensive proprietary equipment. Square POS works easily with your existing smartphone or tablet devices to run the application. Square POS even offers a free magstripe reader to start accepting payments immediately. Square POS prioritizes compatibility and flexibility on common devices, saving significant upfront expenditure. Clover forces equipment purchase, removing hardware choice for users. The clear difference is cost savings and accessibility. Square POS allows immediate, low-barrier entry using existing gear.

Square POS setup is very fast; businesses can often start accepting payments in just a few minutes. New users find the entire interface straightforward and easy to navigate. Staff members require minimal training time due to Square POS's intuitive design and layout. The system works well for busy, fast-paced environments. Clover setup requires engaging with a sales team to acquire a custom quote and equipment delivery. This typically means a much longer onboarding process. Square POS is self-service and instant, making it ideal for new or quickly scaling businesses. Clover is sales-driven and process-heavy by comparison.

Clover users report "atrocious customer service" and chronic issues trying to resolve basic billing disputes or complex complaints. Support often transfers users repeatedly without resolution. Square POS users generally report positive customer support experiences and outstanding service when assistance is needed. Live phone support is included even with the free core software. Square POS users can trust complex issues will be handled effectively and quickly. Clover users report extreme difficulty engaging with customer service. For critical POS operations, reliable support is essential. Square POS provides this reliability; Clover users report major operational friction.

Funds processed through Square POS are transferred to an external account free of charge as early as the next business day. Instant transfers are also available for a fee. Square POS has an essential offline payments feature, enabling continuous sales even without an internet connection for up to 24 hours. Clover documentation lacks clarity on standard deposit speed or offline capabilities for merchants. Users cite major financial risks with Clover. Clover reviews specifically mention freezing significant transaction funds, like $63,000, without timely release or communication. Square POS ensures reliable, fast cash flow.