Clover comparison
A factual side-by-side based on each company's own pages as of October 2026, written for owners deciding where to process.
✓ 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: POS alternatives · Comparisons and pricing models · Get a Clover quote · Clover devices
Clover and Bank of America Merchant Services both let a business take card payments, but they are built for different owners. Bank of America Merchant Services is a bank merchant services. Clover is a full point-of-sale platform from Fiserv with its own hardware, software and app market, and through Merchant Fund Express it comes quoted to your business and installed on site.
In short: Bank of America Merchant Services suits businesses that bank with Bank of America and want funding into that account Clover through us suits owners where you bank elsewhere, or want your POS independent of your bank.
Bank of America offers a POS with four software plans, countertop and portable devices, an e-commerce solution and mobile POS. Processing funds must settle into a Bank of America business checking account, and the bank describes same-day funding for qualified account holders.
Bank of America-branded countertop and portable devices with printers and cash drawers. Bank of America, N.A. and affiliated banks provide the merchant services.
Bank of America groups its merchant clients by size, from small businesses to commercial clients, and highlights restaurants, retail, personal services and professional services. The bank says all merchants get next-day funding and qualified account holders can get same-day funding at no cost, subject to credit approval.
| Bank of America Merchant Services | Clover through Merchant Fund Express | |
|---|---|---|
| Built for | Bank merchant services | Restaurants, retail, services and mobile businesses on one platform |
| Hardware | Bank of America-branded countertop and portable devices with printers and cash drawers. | Clover devices we offer: Station Duo, Station Solo, Mini, Flex, Flex Pocket, Kitchen Display 14 and 24 inch, and Kiosk |
| Payments | Bank of America, N.A. and affiliated banks provide the merchant services. | Processed by Fiserv, Clover's parent company, on a merchant account set up for your business |
| How you get it | Through Bank of America, with a business checking account. | One call to Merchant Fund Express: review, quote, configuration and installation |
| Pricing | Not listed here; check Bank of America Merchant Services directly | Quoted to your business after a free statement review |
Plan which bank account will receive Clover deposits, then schedule installation.
Before any hardware moves, you get a plain-English review of your statement and a written Clover quote.
Setup happens with you in the room: devices where they will really be used, your items in the words your staff use, every payment type tested and a short training session for each shift.
After launch, you call the same team that installed you. Most first-week requests are small: a button moved, a tip amount changed, a report explained.
We start with what you pay and how you sell today. After a free rate review, we quote the Clover devices and processing that fit, ship them configured and install them on site with your staff in the room.
Facts about Bank of America Merchant Services summarize its own public pages and named announcements as of October 2026. Products and terms change; confirm details with Bank of America Merchant Services before you decide. Merchant Fund Express is not affiliated with Bank of America Merchant Services.
Its site says applicants need a Bank of America business checking account and processing funds settle there.
Clover deposits go to the business account you choose when the account is set up.
The Merchant Fund Express team installs on site, builds your items, connects your printers and drawers and trains your staff, then stays available by phone.
From approval to live is typically 24 to 48 hours in the DFW metro and 5 to 7 business days nationwide, depending on your location and the readiness of your menu.
Clover can accept payments in offline mode for a limited time and sends the stored transactions when the connection returns; ask us how the limits apply to your account.
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.
