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 Stripe Terminal" is who will set the system up and who you call when it matters. Stripe Terminal is a developer toolkit for in-person payments. 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: Stripe Terminal suits software companies and platforms building their own checkout Clover through us suits owners where you want a ready-made POS, not a toolkit that needs a developer.
Stripe Terminal lets developers and software platforms "develop your own custom POS app" with SDKs for Android, iOS, JavaScript and React Native, and unify online and in-person payments in Stripe.
Stripe offers its own readers (such as the S710 and M2), selected third-party readers and Tap to Pay on compatible phones. Stripe processes the payments and handles encryption, reporting and device management.
| Stripe Terminal | Clover through Merchant Fund Express | |
|---|---|---|
| Built for | Developer toolkit for in-person payments | Restaurants, retail, services and mobile businesses on one platform |
| Hardware | Stripe offers its own readers (such as the S710 and M2), selected third-party readers and Tap to Pay on compatible phones. | Clover devices we offer: Station Duo, Station Solo, Mini, Flex, Flex Pocket, Kitchen Display 14 and 24 inch, and Kiosk |
| Payments | Stripe processes the payments and handles encryption, reporting and device management. | A merchant account in your business name, with processing by Fiserv, the company behind Clover |
| How you get it | Order readers through the Stripe Dashboard once a developer has built or integrated the POS app. | A personal quote from our team, then devices shipped configured and installed at your location |
| Pricing | Not listed here; check Stripe Terminal directly | Quoted to your business after a free statement review |
If you use a custom app on Stripe, check what it does that a standard POS would not before switching the counter to Clover.
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 Stripe Terminal summarize its own public pages and named announcements as of October 2026. Products and terms change; confirm details with Stripe Terminal before you decide. Merchant Fund Express is not affiliated with Stripe Terminal.
Not on its own. It is a set of readers and developer tools for building or connecting a POS app. Clover is a complete POS with the software already built.
At Merchant Fund Express, yes. The Clover App Market has apps for accounting, payroll, loyalty and more, and we help pick the ones you need.
No. Equipment and processing are quoted to your business after a free review of your current statement. Call (305) 384-8391.
Clover can accept payments in offline mode for a limited time and sends the stored transactions when the connection returns; ask us how the limits apply to your account.
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.
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.
