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: Heartland Alternatives: Clover and Other Options · POS alternatives · Comparisons and pricing models · Get a Clover quote · Clover devices
Owners comparing Heartland with Clover are usually choosing between two ways of working. Heartland is a payment processor and POS provider (Global Payments). Clover is a complete POS platform from Fiserv, and when you get it through Merchant Fund Express it arrives configured, is installed at your location and is supported by the team that set it up.
In short: Heartland suits businesses that want POS, payroll and processing from one large processor Clover through us suits owners where you want an installer from a smaller team who comes on site and stays reachable.
Heartland describes itself as "a Global Payments company" and says it is transitioning to the Global Payments brand. It offers restaurant and retail POS, card processing, payroll and time tools, and business funding, and says nearly a million entrepreneurs use it.
Heartland pairs cloud-based POS software with a range of hardware options for restaurants and retail. Heartland processes payments; it is a registered ISO of PNC Bank and Deutsche Bank Trust Company Americas.
Heartland's family of brands includes restaurant, retail, payroll and school solutions, and it offers business funding as a separate product. Because the company is changing its brand to Global Payments, older guides and statements may show either name.
| Heartland | Clover through Merchant Fund Express | |
|---|---|---|
| Built for | Payment processor and POS provider (Global Payments) | Restaurants, retail, services and mobile businesses on one platform |
| Hardware | Heartland pairs cloud-based POS software with a range of hardware options for restaurants and retail. | Dedicated Clover hardware, from the dual-screen Station Duo to the handheld Flex and kitchen displays |
| Payments | Heartland processes payments; it is a registered ISO of PNC Bank and Deutsche Bank Trust Company Americas. | Fiserv processing, quoted by us to your volume and card mix |
| How you get it | Request a quote from a Heartland or Global Payments representative. | Call (305) 384-8391; free statement review, then a personal quote and on-site install |
| Pricing | Not listed here; check Heartland directly | Quoted to your business after a free statement review |
Review your Heartland agreement for its term and notice period, then time the Clover install to avoid paying for two systems.
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.
During the first week we check in, fix anything that felt slow at the counter and confirm your deposits match your batch reports.
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 Heartland summarize its own public pages and named announcements as of October 2026. Products and terms change; confirm details with Heartland before you decide. Merchant Fund Express is not affiliated with Heartland.
Heartland says it is a Global Payments company and is transitioning to the Global Payments brand.
At Merchant Fund Express, yes. Call (305) 384-8391 and we will walk through your current statement for free before you decide anything.
Yes. Send or read us a recent statement and we will walk through it with no obligation.
Yes. A free statement review shows what you pay today and where a Clover setup would differ, with no obligation to change anything.
No. Our installer sets up the network, devices and menu with you in the room and trains your staff on the real screens, so nobody has to read a manual or call an IT person.
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.
