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Square vs. Clover
The best choice comes down to whether you want to open an online store.
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Which one is better?
Square is better for small businesses that want to establish an online presence, since it includes tools to build an e-commerce storefront. We also like Square for first-time entrepreneurs and folks with a side hustle, since a card reader is included for free when you sign up — a low-risk way to start accepting in-person transactions.
Clover, on the other hand, is best if you need hardware but not payment processing, because you can pair its POS services with a third-party processor. It’s also better for restaurants, with a bundle of rich POS offerings designed specifically for the service industry.
How do Square and Clover compare?
|Which should I choose?||Choose Square if you want to take your store online and don’t mind using Square as your processor. Its free proprietary card reader and all-in-one processing service can be a practical choice for both brick-and-mortar and e-commerce merchants.||Choose Clover if you’re seeking an in-person POS system with 24-hour tech support. It’s well suited to small- to medium-sized brick-and-mortar businesses.|
|Overview||Square offers payment processing, POS systems, an online store builder and the ability to link a debit card to your merchant balance.||Clover is best known for its sleek POS systems. To purchase its hardware directly from its website, you have to sign up for Clover Payments — powered by a First Data merchant account. But purchasing Clover hardware from third-party providers gives you the flexibility to use a different payment processor.|
|Price starts at||2.6% + $0.10 for payment processing, POS software included||2.7% + $0.10 for in-person payment processing|
|BBB letter rating||A+||D+|
Based on 1,523 reviews
Based on 242 reviews
|Reputation and customer reviews|
Bottom lineSquare and Clover have a lot in common and are good for businesses just getting started. They both offer hardware, a free POS software tier and have similar processing rates. Square shines when it comes to hosting your online storefront, while Clover’s flexibility when it comes to choosing a payment processor may come in handy for some.
Not sure about either yet? Review your options with other merchant services providers.
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