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 Shift4 / Harbortouch with Clover are usually choosing between two ways of working. Shift4 / Harbortouch is a payments company with SkyTab 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: Shift4 / Harbortouch suits restaurants and hospitality businesses that want SkyTab and Shift4 processing Clover through us suits owners where you want to leave an older Harbortouch system and compare options first.
Shift4 is a payments company that sells its own SkyTab POS, used by restaurant chains and independents, and acquired Revel Systems in 2024. Harbortouch was a POS brand of the company that renamed itself Shift4 Payments after acquiring Shift4 Corporation in 2017.
Shift4 sells SkyTab hardware; older Harbortouch systems are still in use at many businesses. Shift4 processes the payments for its POS products.
| Shift4 / Harbortouch | Clover through Merchant Fund Express | |
|---|---|---|
| Built for | Payments company with SkyTab POS | Restaurants, retail, services and mobile businesses on one platform |
| Hardware | Shift4 sells SkyTab hardware; older Harbortouch systems are still in use at many businesses. | Countertop stations, handhelds, kitchen screens and a self-order kiosk, all running Clover software |
| Payments | Shift4 processes the payments for its POS products. | Fiserv processing, quoted by us to your volume and card mix |
| How you get it | Through Shift4 or its sales partners. | Call (305) 384-8391; free statement review, then a personal quote and on-site install |
| Pricing | Not listed here; check Shift4 / Harbortouch directly | Quoted to your business after a free statement review |
Find your Harbortouch or Shift4 agreement and equipment terms, then schedule the Clover install around them.
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.
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 Shift4 / Harbortouch summarize its own public pages and named announcements as of October 2026. Products and terms change; confirm details with Shift4 / Harbortouch before you decide. Merchant Fund Express is not affiliated with Shift4 / Harbortouch.
Harbortouch was a POS brand of the company that renamed itself Shift4 Payments in 2017. Shift4 now sells SkyTab.
Merchant Fund Express can review your agreement with you, explain what it says and quote Clover. See our guide to leaving a processor contract.
No. Equipment and processing are quoted to your business after a free review of your current statement. Call (305) 384-8391.
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.
