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 PayPal Zettle with Clover are usually choosing between two ways of working. PayPal Zettle is a PayPal's in-person payments product (now PayPal POS). 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: PayPal Zettle suits sole operators and very small sellers who want to start with a phone or a small reader Clover through us suits owners where you have staff, several stations or a kitchen that needs tickets.
PayPal says Zettle has been renamed PayPal Point of Sale and "still operates the same way." It is a POS app with a card reader, an all-in-one terminal or Tap to Pay on a phone, aimed mainly at small businesses selling face to face.
PayPal offers a card reader that pairs with the app, a terminal with the app built in, and Tap to Pay that needs only a compatible phone. PayPal processes the payments and funds settle into a PayPal business account. PayPal states its POS "only works with the PayPal payment infrastructure."
| PayPal Zettle | Clover through Merchant Fund Express | |
|---|---|---|
| Built for | PayPal's in-person payments product (now PayPal POS) | Restaurants, retail, services and mobile businesses on one platform |
| Hardware | PayPal offers a card reader that pairs with the app, a terminal with the app built in, and Tap to Pay that needs only a compatible phone. | Clover devices we offer: Station Duo, Station Solo, Mini, Flex, Flex Pocket, Kitchen Display 14 and 24 inch, and Kiosk |
| Payments | PayPal processes the payments and funds settle into a PayPal business account. PayPal states its POS "only works with the PayPal payment infrastructure." | Fiserv processing, quoted by us to your volume and card mix |
| How you get it | Sign up online with a PayPal business account and order hardware. | Call (305) 384-8391; free statement review, then a personal quote and on-site install |
| Pricing | Not listed here; check PayPal Zettle directly | Quoted to your business after a free statement review |
A PayPal reader cannot be reused, so plan Clover hardware and keep PayPal running until your first Clover day is complete.
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 PayPal Zettle summarize its own public pages and named announcements as of October 2026. Products and terms change; confirm details with PayPal Zettle before you decide. Merchant Fund Express is not affiliated with PayPal Zettle.
PayPal says Zettle has been renamed PayPal Point of Sale and works the same way. Many people still search for Zettle.
To the business bank account you choose when the account is set up, not to a separate wallet balance.
At Merchant Fund Express, yes. Send or read us a recent statement and we will walk through it with no obligation.
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.
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.
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.
