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: Lightspeed Alternatives: Clover and Other Options · POS alternatives · Comparisons and pricing models · Get a Clover quote · Clover devices
Clover and Lightspeed both let a business take card payments, but they are built for different owners. Lightspeed is a cloud POS for retail, restaurants and golf. 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: Lightspeed suits retailers with large catalogs and several locations who want deep inventory tools on iPads Clover through us suits owners where you want purpose-built payment hardware instead of iPads plus add-on readers.
Lightspeed is a cloud-based POS with separate products for retail, restaurants and golf. Its site highlights inventory across locations, live reporting, staff permissions, e-commerce that syncs with the POS and integrations with accounting and delivery tools.
Lightspeed apps run on iPads, with optional stands, cash drawers and its Mobile Tap card reader. Lightspeed sells hardware directly and says it does not lease it. Lightspeed offers Lightspeed Payments, and its site says customers are not required to use it as their processor.
| Lightspeed | Clover through Merchant Fund Express | |
|---|---|---|
| Built for | Cloud POS for retail, restaurants and golf | Restaurants, retail, services and mobile businesses on one platform |
| Hardware | Lightspeed apps run on iPads, with optional stands, cash drawers and its Mobile Tap card reader. Lightspeed sells hardware directly and says it does not lease it. | Countertop stations, handhelds, kitchen screens and a self-order kiosk, all running Clover software |
| Payments | Lightspeed offers Lightspeed Payments, and its site says customers are not required to use it as their processor. | Processed by Fiserv, Clover's parent company, on a merchant account set up for your business |
| How you get it | Book a demo or start online; onboarding includes a free one-on-one session. | One call to Merchant Fund Express: review, quote, configuration and installation |
| Pricing | Not listed here; check Lightspeed directly | Quoted to your business after a free statement review |
Inventory and customer lists can usually be exported from Lightspeed and imported into Clover; plan the cut-over after a stock count.
Send or read us a recent statement. We explain what you pay now and what a Clover setup would look like for your business.
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.
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 Lightspeed summarize its own public pages and named announcements as of October 2026. Products and terms change; confirm details with Lightspeed before you decide. Merchant Fund Express is not affiliated with Lightspeed.
At Merchant Fund Express, clover handles SKUs, barcodes, variants and stock counts for most stores. Very large multi-location catalogs should be checked against your exact needs, which we do before quoting.
No. Clover devices such as the Station Duo, Mini and Flex are dedicated payment hardware with the software built in.
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 (305) 384-8391 and describe how you sell. We will recommend the lightest setup that does the job and tell you honestly if something you were considering is not needed.
Yes. A free statement review shows what you pay today and where a Clover setup would differ, with no obligation to change anything.
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.
