Clover

Clover is a cloud-based point-of-sale (POS) and payments platform developed by Fiserv that combines the functionality of a traditional cash register, card payment terminal, and business management tool into a single integrated system. Designed primarily for small to midsize businesses, it is widely used across retail, restaurant, food and beverage, and service-based industries, making it a particularly strong fit for shop owners, café operators, and field service teams who need a flexible, all-in-one payment solution. The platform supports in-person, mobile, and online payment processing, and comes with built-in tools for inventory management, sales reporting, customer accounts, employee access controls, gift card programs, and loyalty rewards — all accessible through intuitive touchscreen hardware or handheld devices that reviewers frequently compare to smartphones in ease of use. Clover's app marketplace extends its capabilities further by enabling integrations with platforms like Shopify, QuickBooks, Homebase, Xero, WooCommerce, and Mailchimp, allowing businesses to tailor the system to their specific operational needs. It is especially valued for its quick setup, minimal training curve for front-line staff, and its ability to handle curbside, in-room, and multi-location transactions without relying on legacy terminal infrastructure. While the system earns praise for its ease of use and modern mobile experience, prospective buyers should note that some users report concerns around unexpected billing, customer support responsiveness, and occasional payment processing inconsistencies.