Choosing between Clover and Payanywhere for your business? Both are popular multi-industry solutions, but they serve different needs. Clover starts at $14.95/month (software) + hardware costs and is Customizable POS with sleek hardware and app marketplace, while Payanywhere starts at $49.95 (terminal) + 2.69% per transaction and is Mobile payments and POS for small businesses. This comprehensive comparison will help you decide which POS system is the right fit for your operation.
Quick Comparison: Clover vs Payanywhere
| Feature | Clover | Payanywhere |
|---|---|---|
| Category | Multi-Industry | Multi-Industry |
| Starting Price | $14.95/month (software) + hardware costs | $49.95 (terminal) + 2.69% per transaction |
| Rating | 4.3/5 | 3.9/5 |
| Target Business | Small Business | Small Business |
| Pricing Model | Subscription | Transaction-based |
| Free Trial | No | No |
| Free Version | No | No |
| Best For | Small to medium retail and restaurant businesses wanting premium hardware | Small businesses wanting fast funding |
Clover Overview
Clover is a versatile POS system offering customizable hardware and software solutions for retail, restaurant, and service businesses. Known for its sleek hardware design and app marketplace.
Clover is offered by Fiserv (formerly First Data) (founded 2010) based in Sunnyvale, CA. The system focuses on Retail, Restaurants, Services, Professional Services.
Key Features:
- App marketplace
- Employee management
- Inventory tracking
- Customer engagement
- Reporting
- Online ordering
Payanywhere Overview
Payanywhere offers mobile payment solutions with card readers and POS apps. Features next-day funding, invoicing, and business management tools for small businesses.
Payanywhere is offered by North American Bancard (founded 2011) based in Troy, MI. The system focuses on Retail, Service, Mobile.
Key Features:
- Mobile POS
- Card Readers
- Invoicing
- Next-day Funding
- Inventory
- Analytics
Feature Comparison
Clover Features:
- App marketplace
- Employee management
- Inventory tracking
- Customer engagement
- Reporting
Payanywhere Features:
- Mobile POS
- Card Readers
- Invoicing
- Next-day Funding
- Inventory
When comparing features, Clover stands out with Extensive app ecosystem, while Payanywhere differentiates itself with Next-day funding. Your choice should depend on which features align better with your specific business requirements.
Pricing Comparison
| Pricing Aspect | Clover | Payanywhere |
|---|---|---|
| Starting Price | $14.95/month (software) + hardware costs | $49.95 (terminal) + 2.69% per transaction |
| Pricing Model | Subscription | Transaction-based |
| Price Range | Mid-range | Budget |
| Free Trial | Not available | Not available |
| Free Version | No | No |
Payanywhere is more budget-friendly, making it a better choice for cost-conscious businesses. Consider the total cost of ownership including hardware, processing fees, and add-on modules when making your decision.
Pros and Cons
Clover
Pros:
- Beautiful hardware design
- Extensive app marketplace
- Flexible configurations
- Multiple hardware options
- Strong payment processing
Cons:
- Locked to Fiserv processing
- Hardware is proprietary
- Pricing can be confusing
- Contract requirements vary
Payanywhere
Pros:
- Next-day funding
- Free mobile app
- Multiple hardware options
- Invoicing included
Cons:
- Mixed customer reviews
- Transaction fees vary
- Contract requirements possible
Who Should Choose Clover?
Clover is ideal for Small to medium retail and restaurant businesses wanting premium hardware. The system is particularly well-suited for Retail, Restaurants, Services, Professional Services.
However, Clover may not be the best fit for Businesses wanting processor flexibility.
Who Should Choose Payanywhere?
Payanywhere is ideal for Small businesses wanting fast funding. The system is particularly well-suited for Retail, Service, Mobile.
However, Payanywhere may not be the best fit for Large operations needing advanced POS.
Our Recommendation
Both Clover and Payanywhere are solid POS solutions, but they excel in different areas. Choose Clover if you’re Small to medium retail and restaurant businesses wanting premium hardware. Choose Payanywhere if you’re Small businesses wanting fast funding. Clover has a higher user rating (4.3 vs 3.9). We recommend trying demos or free trials of both systems before making your final decision.