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.
The real question behind "Clover or SpotOn" is who will set the system up and who you call when it matters. SpotOn is a restaurant technology and payments company. Clover, from Fiserv, combines hardware, software and processing, and Merchant Fund Express quotes it to your business, installs it on site and trains your staff.
In short: SpotOn suits restaurants and bars that want restaurant software, labor tools and online ordering from one vendor Clover through us suits owners where you want the Clover platform and App Market.
SpotOn calls itself a restaurant technology and financial services company. It offers a cloud POS for full-service and counter-service restaurants, a separate small-business POS for retail, salons and services, online ordering, scheduling and tip tools, and 24/7 support.
SpotOn offers countertop stations, handhelds, kitchen displays, kiosks and the SpotOn Terminal. SpotOn provides processing as a registered partner/ISO of Merrick Bank and Wells Fargo Bank.
| SpotOn | Clover through Merchant Fund Express | |
|---|---|---|
| Built for | Restaurant technology and payments company | Restaurants, retail, services and mobile businesses on one platform |
| Hardware | SpotOn offers countertop stations, handhelds, kitchen displays, kiosks and the SpotOn Terminal. | Clover devices we offer: Station Duo, Station Solo, Mini, Flex, Flex Pocket, Kitchen Display 14 and 24 inch, and Kiosk |
| Payments | SpotOn provides processing as a registered partner/ISO of Merrick Bank and Wells Fargo Bank. | A merchant account in your business name, with processing by Fiserv, the company behind Clover |
| How you get it | Request a demo and quote. | A personal quote from our team, then devices shipped configured and installed at your location |
| Pricing | Not listed here; check SpotOn directly | Quoted to your business after a free statement review |
Ask SpotOn about your term and equipment, export your menu, and schedule the Clover install between services.
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.
We stay on the phone through your first busy days and adjust buttons, tips and reports as you go.
Merchant Fund Express offers Clover through its partnership. We do not publish a price list, because the right setup and rate depend on your volume, your card mix and how many stations you need. Call (305) 384-8391 and we will review a recent statement for free, then quote Clover to your business.
Facts about SpotOn summarize its own public pages and named announcements as of October 2026. Products and terms change; confirm details with SpotOn before you decide. Merchant Fund Express is not affiliated with SpotOn.
SpotOn is restaurant-first and also offers a small-business POS for retail and services.
At Merchant Fund Express, yes. The Clover Kitchen Display comes in 14-inch and 24-inch sizes, and we place and program them for your line.
Our team installs on site, builds your items, connects your printers and drawers and trains your staff, then stays available by phone.
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.
From approval to live is typically 24 to 48 hours in the DFW metro and 5 to 7 business days nationwide, depending on your location and the readiness of your menu.
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.
