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 Square with Clover are usually choosing between two ways of working. Square is a all-in-one POS and payments company. 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: Square suits very small or brand-new businesses that want to sign up online and start the same day Clover through us suits owners where you want someone to come on site, install the hardware, build your items and train your staff.
Square sells its own point-of-sale software, its own hardware and its own payment processing as one package. Its site lists versions for food and beverage, retail, beauty and services businesses, plus invoices, online ordering, websites, payroll, banking and an app marketplace.
Square makes its own handhelds, terminals, registers, stands, kiosks and card readers, sold through its site. Square processes the payments itself. Card readers and software are built to work with Square payments.
| Square | Clover through Merchant Fund Express | |
|---|---|---|
| Built for | All-in-one POS and payments company | Restaurants, retail, services and mobile businesses on one platform |
| Hardware | Square makes its own handhelds, terminals, registers, stands, kiosks and card readers, sold through its site. | Dedicated Clover hardware, from the dual-screen Station Duo to the handheld Flex and kitchen displays |
| Payments | Square processes the payments itself. Card readers and software are built to work with Square payments. | Fiserv processing, quoted by us to your volume and card mix |
| How you get it | Sign up online and order hardware directly from Square. | Call (305) 384-8391; free statement review, then a personal quote and on-site install |
| Pricing | Not listed here; check Square directly | Quoted to your business after a free statement review |
Square devices will not carry over, so plan new hardware and a cut-over day; your item list can usually be exported and rebuilt.
We read your current statement with you, explain each line and quote Clover to your volume and card mix.
Installation is on site: we place and test each device, build your items and modifiers with you, connect printers and drawers and run a practice sale with every person who will use the system.
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 Square summarize its own public pages and named announcements as of October 2026. Products and terms change; confirm details with Square before you decide. Merchant Fund Express is not affiliated with Square.
Square is built for self-setup online. Clover through Merchant Fund Express is set up for you: we configure the account, install the devices on site and train your team, so the work on your side is mostly answering questions about how you sell.
At Merchant Fund Express, no. Square hardware is made for Square payments. Moving to Clover means Clover devices, which we quote and install for you.
No. Equipment and processing are quoted to your business after a free review of your current statement. Call (305) 384-8391.
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.
