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
The real question behind "Clover or Clearent" is who will set the system up and who you call when it matters. Clearent is a payments company now operating as Xplor Pay. Clover, from Fiserv, combines hardware, software and processing, and Merchant Fund Express quotes it to your business, installs it on site and trains your staff.
In short: Clearent suits businesses using vertical software that has Xplor Pay built in Clover through us suits owners where you want a complete POS rather than payments embedded in another program.
Clearent now operates as Xplor Pay, part of the Xplor Group. It focuses on embedded payments for software platforms and payment tools for small and mid-sized merchants, working with software vendors, ISOs, agents and financial institutions.
Payment acceptance through POS, mobile app, virtual terminal, text to pay and hosted payments. Xplor Pay (formerly Clearent) processes the payments.
Most of Xplor Pay's site speaks to software companies: payment facilitation as a service, white-label payments and APIs. For a merchant, that means Xplor Pay is often the processor inside an industry program, such as scheduling or management software, rather than a POS chosen on its own. That matters when you switch, because the software may expect its built-in processor.
| Clearent | Clover through Merchant Fund Express | |
|---|---|---|
| Built for | Payments company now operating as Xplor Pay | Restaurants, retail, services and mobile businesses on one platform |
| Hardware | Payment acceptance through POS, mobile app, virtual terminal, text to pay and hosted payments. | Dedicated Clover hardware, from the dual-screen Station Duo to the handheld Flex and kitchen displays |
| Payments | Xplor Pay (formerly Clearent) processes the payments. | A merchant account in your business name, with processing by Fiserv, the company behind Clover |
| How you get it | Usually through a software partner, ISO or agent. | A personal quote from our team, then devices shipped configured and installed at your location |
| Pricing | Not listed here; check Clearent directly | Quoted to your business after a free statement review |
Check whether your industry software depends on Xplor Pay before moving payments to Clover.
We read your current statement with you, explain each line and quote Clover to your volume and card mix.
Installation is on site: we place and test each device, build your items and modifiers with you, connect printers and drawers and run a practice sale with every person who will use the system.
We stay on the phone through your first busy days and adjust buttons, tips and reports as you go.
Merchant Fund Express offers Clover through its partnership. We do not publish a price list, because the right setup and rate depend on your volume, your card mix and how many stations you need. Call (305) 384-8391 and we will review a recent statement for free, then quote Clover to your business.
Facts about Clearent summarize its own public pages and named announcements as of October 2026. Products and terms change; confirm details with Clearent before you decide. Merchant Fund Express is not affiliated with Clearent.
Clearent, LLC now operates as Xplor Pay.
At Merchant Fund Express, possibly, if payments are built into it. We check that with you before quoting.
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.
Sometimes. We review what you have and tell you what can be reused, what is worth replacing and what you should check in your contract before deciding.
There is no published price list because the right number depends on your volume, card mix and devices. Call for a personal quote and a free rate review.
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.
