Alternatives
Why owners look beyond SumUp, the options worth comparing and how to switch without losing a day of sales.
✓ Installed by our team and supported by phone. Rates and equipment are quoted to your business.
Merchant Fund Express offers Clover POS and credit card processing through our partnership, with on-site installation, training and phone support.
Key facts
Related: Clover vs SumUp: Which POS Fits Your Business? · POS alternatives · Comparisons and pricing models · Get a Clover quote · Clover devices
SumUp alternatives come up when a small seller needs more than a reader: a counter station with a customer screen, kitchen tickets, inventory or employee logins. Some owners also prefer a dedicated merchant account over a payment-facilitator account as their volume grows.
The alternatives below are grouped by who they fit. If you want a full POS that is quoted to your business, installed on site and supported by one team, Clover through Merchant Fund Express is the option we offer.
SumUp offers card readers, a touchscreen POS, POS Lite, kiosks, invoicing, gift cards and loyalty, plus a business account. In the US it says it is a registered payment facilitator of Fifth Third Bank.
It tends to suit owners who want a business account and payments in one app.
Today: SumUp sells its own range of card readers and a touchscreen POS, and supports Tap to Pay on a phone. SumUp processes payments as a registered payment facilitator. SumUp readers do not move to Clover; rebuild items on Clover and run both for a day if you want a safety net.
Most of the work in a switch is information, not hardware: the menu or catalog, staff logins, tax settings and tip rules. We rebuild those with you so the first day on Clover looks familiar to your staff.
| Option | Who it fits | Read more |
|---|---|---|
| Clover through Merchant Fund Express | You want a merchant account of your own rather than a payment-facilitator account. | Clover vs SumUp |
| Square | Very small or brand-new businesses that want to sign up online and start the same day. | Clover vs Square |
| PayPal Zettle | Businesses that already run their money through a PayPal business account. | Clover vs PayPal Zettle |
| Helcim | Businesses that already use QuickBooks Online, Xero or WooCommerce with Helcim. | Clover vs Helcim |
Clover is one of the alternatives, and the one we offer. Here is where it tends to fit best:
Schedule the switch away from holidays, events and paydays, when a learning curve costs the most.
We read your current statement with you, explain each line and quote Clover to your volume and card mix.
We build your catalog or menu, tax rates and employee permissions in advance so install day is about training, not data entry.
We configure the account before anything ships, then come to you to install, load your items and walk staff through opening, closing, refunds and tips. After launch, you call the same team.
With us, Clover is quoted, installed and supported by the same team. Send or read us a recent processing statement and we will explain every line before we suggest anything. If Clover is not a better fit, we will say so.
Facts about SumUp summarize its own public pages and named announcements as of October 2026. Products and terms change; confirm details with SumUp before you decide. Merchant Fund Express is not affiliated with SumUp.
A company that signs merchants up under its own master account. It is quick to open. A dedicated merchant account, like a Clover account through us, is underwritten for your business on its own.
At Merchant Fund Express, not necessarily. A Clover Flex Pocket or Mini suits small counters and mobile sellers. We size the setup to how you actually sell.
Yes. Send or read us a recent statement and we will walk through it with no obligation.
Station Duo, Station Solo, Mini, Flex, Flex Pocket, Kitchen Display 14 and 24 inch, and Kiosk. We do not offer Clover Go or a no-hardware plan.
Call Merchant Fund Express. We install it, train your staff and stay on the line after launch. Ask for a free rate review while you are at it.
