Run Your Business with
Clover POS

Frequently Asked Questions

• 

  What is Clover POS?

  Clover POS is a point-of-sale system built for small and medium-sized businesses. It combines Android-based hardware with software for payments, inventory, staff, and reporting. Clover is part of Fiserv, a global payments and financial technology company.

• 

  Is Clover a POS system or a merchant account?

  Clover is a point-of-sale platform, not a merchant account. To use it, you need an approved Clover merchant account and a merchant processing agreement through Fiserv or a Clover reseller. AllayPay helps businesses get the right merchant account and POS setup.

• 

  What processor does Clover use?

  Clover payment processing runs through Fiserv, which brought Clover into its business when it completed its acquisition of First Data on July 29, 2019. Merchants get Clover payment processing from Fiserv directly or from a bank or other provider that resells Clover. Fiserv requires Clover users to process through its own platform, and use of Clover requires a Merchant Processing Agreement.

• 

  Can I use Clover POS with a different processor?

  Usually not. Clover devices are provisioned to the merchant account and provider that sold them, so they generally cannot be reprogrammed for another processor. If you switch providers, plan for new hardware or a different POS. AllayPay reviews your current setup and contract terms before you make a change.

• 

  What payment methods does Clover accept?

  Clover accepts major credit and debit cards through chip, swipe, and contactless payments. It also supports Apple Pay, Google Pay, Samsung Pay, EBT, gift cards, checks, and cash. Availability depends on your device, merchant account, and setup.

• 

  Which Clover devices can I choose from?

  Clover offers Clover Station Duo, Clover Station Solo, Clover Mini, Clover Flex, Clover Compact, Clover Kiosk, and Clover Go. Station serves as a full countertop system, and Mini fits smaller counters. Flex and Go let you take payments away from the counter. Clover Station Duo and Station Solo accept tap payments like Apple Pay without extra equipment.

• 

  Can I accept online payments with Clover?

  Yes. Clover offers a hosted checkout page, an embedded payment form, and an eCommerce API. You can also take payments through the Clover Virtual Terminal and email invoices.

• 

  Does Clover integrate with eCommerce platforms?

  Yes. Clover integrations include payment plugins for Shopify, WooCommerce, and Adobe Commerce, formerly Magento. These plugins are available to U.S. merchants and need no coding.

• 

  Does Clover include a virtual terminal?

  Yes. Clover Virtual Terminal lets you key in card details through a web browser. It works well for phone orders, mail orders, and invoices.

• 

  What is the Clover App Market?

  The Clover App Market lets you add apps to your system for scheduling, loyalty, accounting, and more. Some apps charge fees in addition to the Clover subscription.

• 

  Can I take payments on the go with Clover?

  Yes. Clover Go connects to iOS and Android phones and tablets over Bluetooth. Clover Flex works as a handheld device with a built-in printer. Both sync with your other Clover devices.

• 

  Does Clover offer gift cards and loyalty programs?

  Yes. Clover Gift Cards let you sell branded gift cards. Clover Rewards helps you reward repeat customers and bring them back.

• 

  Does Clover support ACH and check payments?

  Yes. Clover Check Acceptance, delivered by TeleCheck, lets eligible merchants process check and ACH payments. Access depends on underwriting approval and account setup. Learn more about ACH payments.

• 

  Is Clover PCI compliant?

  Clover devices are designed to meet PCI security standards. Clover’s hosted checkout handles customer card data securely, and its eCommerce tools support 3D Secure. Merchants must still meet the PCI requirements for their own payment setup.

• 

  Does Clover provide APIs and SDKs?

  Yes. Clover offers a REST API, an eCommerce API, an Android SDK for apps on Clover devices, and Remote Pay SDKs that connect other POS software to Clover devices. Hosted checkout also supports webhooks for payment updates.

• 

  Can high-risk merchants use Clover POS?

  High-risk merchants can apply for Clover POS, but approval is not guaranteed. Clover states that new accounts are subject to standard credit approval and underwriting requirements. Confirm that your industry qualifies before you buy hardware, because Clover devices generally work only with the provider that sold them. AllayPay can help you find out whether Clover fits your business.

• 

  What is a Clover alternative for high-risk merchants?

  If Clover is not available for your business, AllayPay can pair a high-risk merchant account with the Authorize.net, NMI, or Fluid Pay payment gateway. AllayPay specializes in industries such as CBD and Delta 8, nutraceuticals, vape, and tobacco, and offers chargeback monitoring.

• 

  How much does Clover POS cost?

  Clover POS cost has three parts: hardware, a monthly software subscription, and payment processing fees. Clover is sold by Fiserv and by banks and processors that resell it, so hardware prices and processing rates can differ by provider. Some Clover apps, services, and activated accounts also carry fees that are not included in the monthly subscription fee. Ask for a written quote that lists all three costs.

• 

  Does Clover POS require a contract?

  Yes. Clover POS requires a Merchant Processing Agreement, and Clover’s terms state that applicable early termination fees and monthly minimums may apply. Some Clover hardware offers also require a 36- or 48- month subscription term. Read the processing agreement and equipment terms before you buy, since Clover devices usually cannot be moved to a new processor if you cancel.

• 

  Why use AllayPay® for Clover POS?

  AllayPay is an ISO built for high-risk industries. We set up merchant accounts, so you hold your own MID. We also provide hardware and software integrations, from POS to payment gateways. You get payment processing specialists who stay with you after onboarding instead of a chat widget.

• 

  How do I get started with Clover through AllayPay®?

  To get started with Clover through AllayPay, request a free quote and share your business type, sales channels, expected monthly volume, and hardware needs. AllayPay then confirms whether Clover is available for your business and sets up a compatible merchant account, hardware, online checkout, and apps. AllayPay offers same-day approvals for many businesses, but Clover accounts also go through Clover’s own credit approval and underwriting.