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.
Owners comparing Helcim with Clover are usually choosing between two ways of working. Helcim is a payment processor with interchange-plus pricing. 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: Helcim suits service, healthcare and professional businesses that mainly invoice or take card-not-present payments Clover through us suits owners where you run a busy counter, restaurant or shop and need a full POS with menus, tips and staff tools.
Helcim is a payment processor founded in Canada that serves the US and Canada. It describes interchange-plus pricing with automatic volume discounts, online signup with no long-term contract, a virtual terminal, invoicing, recurring payments and more than 40 integrations.
Helcim sells its own Smart Terminal and Card Reader and supports Tap to Pay on iPhone. Helcim processes the payments.
| Helcim | Clover through Merchant Fund Express | |
|---|---|---|
| Built for | Payment processor with interchange-plus pricing | Restaurants, retail, services and mobile businesses on one platform |
| Hardware | Helcim sells its own Smart Terminal and Card Reader and supports Tap to Pay on iPhone. | Clover devices we offer: Station Duo, Station Solo, Mini, Flex, Flex Pocket, Kitchen Display 14 and 24 inch, and Kiosk |
| Payments | Helcim processes the payments. | Fiserv processing, quoted by us to your volume and card mix |
| How you get it | Sign up online. | Call (305) 384-8391; free statement review, then a personal quote and on-site install |
| Pricing | Not listed here; check Helcim directly | Quoted to your business after a free statement review |
Helcim has no long-term contract per its site, so the switch is mostly scheduling the Clover install and moving your item list.
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.
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 Helcim summarize its own public pages and named announcements as of October 2026. Products and terms change; confirm details with Helcim before you decide. Merchant Fund Express is not affiliated with Helcim.
At Merchant Fund Express, a pricing model that passes the card networks' costs through to you and adds a stated markup. We explain your current pricing model in plain English during a free rate review.
Yes. Clover includes a virtual terminal and invoicing tools, and we set them up alongside your counter devices.
Yes. Send or read us a recent statement and we will walk through it with no obligation.
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.
Yes. English and Spanish support are available by phone, on site and during staff training, so the person who opens on Monday can learn it in the language they work in.
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.
