Clover vs Square: Complete 2025 POS Comparison
The Clover vs Square debate comes down to one fundamental question: Do you value transparent, fixed pricing (Square) or the potential for negotiated rates and premium hardware (Clover)? Both are excellent systems, but they serve different business needs.
Quick Verdict: Choose Clover if you have a trusted merchant services provider, want premium hardware aesthetics, or need extensive third-party integrations. Choose Square for transparent pricing, no contracts, and a simpler buying experience.
Last updated: December 2025
Clover
Flexible hardware with powerful features
Square
Best for small businesses & startups
Quick Verdict
Feature-by-Feature Comparison
| Feature | Clover | Square |
|---|---|---|
| Free POS software | ✗ No | ✓ Yes |
| Inventory management | ✓ Yes | ✓ Yes |
| Employee management | ✓ Yes | ✓ Yes |
| Online ordering | Add-on | ✓ Yes |
| Advanced reporting | ✓ Yes | ✓ Yes |
| Loyalty program | ✓ Yes | Add-on |
| Table management | Add-on | Add-on |
| Kitchen display | Add-on | Add-on |
| 24/7 phone support | ✓ Yes | ✗ No |
| Offline mode | ✓ Yes | ✓ Yes |
Clover
Pros
- Beautiful, reliable hardware
- Large app marketplace
- Works with many payment processors
- Versatile for different business types
- Strong inventory features
Cons
- Hardware costs are high
- Software resold through third parties
- Inconsistent pricing and support
- Monthly fees add up quickly
Square
Pros
- Free to start with no monthly fees
- Easy setup and intuitive interface
- Affordable hardware options
- Excellent for mobile payments
- Robust free features
Cons
- Higher processing fees than some competitors
- Limited restaurant-specific features in free plan
- Account stability issues reported
- Add-ons can increase costs
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Get Free Custom Quotes Compare pricing from top providers - takes 60 secondsClover vs Square: The Honest Comparison
The Buying Experience
Square: Go to Square.com, pick your hardware, done. Everyone pays the same prices. Clover: Contact multiple providers, compare quotes, negotiate rates, read contracts carefully. More work, but potentially better deals.
Pricing Transparency
Square wins on transparency – 2.6% + 10c for everyone. Clover pricing can range from 1.5% to 4%+ depending on your provider. Some providers bundle “free” hardware with high processing rates or long-term contracts. Buyer beware.
Hardware Design
Clover’s hardware looks premium and modern. The Clover Station duo is one of the best-looking POS terminals available. Square’s hardware is functional and reliable but more utilitarian in design.
Contract Terms
Square is month-to-month with no contracts. Clover terms vary by provider – you might get month-to-month from some, or be locked into a 3-year equipment lease from others. Always understand your terms before signing.
The Clover Warning
Important: Clover is sold by thousands of independent sales organizations (ISOs). While many are reputable, some engage in questionable practices:
- Equipment leases that cost 3-4x the hardware value
- Hidden fees buried in contracts
- Rate increases after initial period
- Cancellation penalties
If considering Clover, buy from reputable sources like major banks, Costco, or directly from Fiserv.
Who Should Choose Clover?
- Businesses with existing, trusted payment processor relationships
- Established businesses with volume to negotiate rates
- Those who value premium hardware design
- Businesses needing specific third-party apps
- Multi-location businesses wanting custom integrations
Who Should Choose Square?
- New businesses and startups
- Those who hate negotiating
- Businesses wanting no contracts or commitments
- Mobile and on-the-go businesses
- Those who value simplicity over customization
Frequently Asked Questions
Why do some people say Clover is a scam?
Clover itself is legitimate – it’s owned by Fiserv (First Data), a massive financial services company. However, some resellers have engaged in predatory practices, giving Clover an undeserved bad reputation. The key is buying from the right source.
Can I get Clover with Square’s processing rates?
Possibly, through negotiation. Some Clover providers offer rates comparable to or better than Square’s 2.6% + 10c, especially for higher-volume businesses.
Which has better customer support?
Square’s support is consistent since it’s all handled internally. Clover support depends on your provider – some offer excellent local support, others are difficult to reach.
Can I switch from Clover to Square?
Yes, but check your Clover contract for early termination fees. Square migration is straightforward – they provide import tools for customer and product data.
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