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 SumUp" is who will set the system up and who you call when it matters. SumUp is a card readers and POS for small merchants. 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: SumUp suits very small sellers who want a low-commitment reader to take cards on the go Clover through us suits owners where you want a merchant account of your own rather than a payment-facilitator account.
SumUp offers card readers, a touchscreen POS, POS Lite, kiosks, invoicing, gift cards and loyalty, plus a business account. In the US it says it is a registered payment facilitator of Fifth Third Bank.
SumUp sells its own range of card readers and a touchscreen POS, and supports Tap to Pay on a phone. SumUp processes payments as a registered payment facilitator.
SumUp groups its US offering into running the business (POS and POS Lite), taking payments (readers, kiosks and invoices), engaging customers (loyalty and gift cards) and managing money (a business account). Its loyalty app came from its acquisition of Fivestars. Banking services in the US are provided through a partner, according to its site.
| SumUp | Clover through Merchant Fund Express | |
|---|---|---|
| Built for | Card readers and POS for small merchants | Restaurants, retail, services and mobile businesses on one platform |
| Hardware | SumUp sells its own range of card readers and a touchscreen POS, and supports Tap to Pay on a phone. | Dedicated Clover hardware, from the dual-screen Station Duo to the handheld Flex and kitchen displays |
| Payments | SumUp processes payments as a registered payment facilitator. | A merchant account in your business name, with processing by Fiserv, the company behind Clover |
| How you get it | Order readers and sign up online. | A personal quote from our team, then devices shipped configured and installed at your location |
| Pricing | Not listed here; check SumUp directly | Quoted to your business after a free statement review |
SumUp readers do not move to Clover; rebuild items on Clover and run both for a day if you want a safety net.
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.
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 SumUp summarize its own public pages and named announcements as of October 2026. Products and terms change; confirm details with SumUp before you decide. Merchant Fund Express is not affiliated with SumUp.
A company that signs merchants up under its own master account. It is quick to open. A dedicated merchant account, like a Clover account through us, is underwritten for your business on its own.
At Merchant Fund Express, not necessarily. A Clover Flex Pocket or Mini suits small counters and mobile sellers. We size the setup to how you actually sell.
Station Duo, Station Solo, Mini, Flex, Flex Pocket, Kitchen Display 14 and 24 inch, and Kiosk. We do not offer Clover Go or a no-hardware plan.
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.
