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.
Key facts
Related: Toast Alternatives: Clover and Other Options · POS alternatives · Comparisons and pricing models · Get a Clover quote · Clover devices
The real question behind "Clover or Toast" is who will set the system up and who you call when it matters. Toast is a restaurant-first POS 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: Toast suits full-service and quick-service restaurants that want a restaurant-only platform with deep kitchen and ordering tools Clover through us suits owners where your business mixes food with retail or services, and you want one system that handles both.
Toast describes itself as a POS "built for restaurants", with restaurant management tools, online ordering, a kitchen display system and more than 200 integrations, including third-party delivery. Its site now also lists retail concepts, but the product and the hardware are designed around restaurant service.
Toast sells its own commercial-grade hardware, including the Flex 3 countertop terminal, the Toast Go 3 handheld and a kitchen display, and offers a hardware lease option in the US. Payment processing is built into the Toast POS; its plans list integrated processing as a core feature.
| Toast | Clover through Merchant Fund Express | |
|---|---|---|
| Built for | Restaurant-first POS company | Restaurants, retail, services and mobile businesses on one platform |
| Hardware | Toast sells its own commercial-grade hardware, including the Flex 3 countertop terminal, the Toast Go 3 handheld and a kitchen display, and offers a hardware lease option in the US. | Countertop stations, handhelds, kitchen screens and a self-order kiosk, all running Clover software |
| Payments | Payment processing is built into the Toast POS; its plans list integrated processing as a core feature. | A merchant account in your business name, with processing by Fiserv, the company behind Clover |
| How you get it | Request a demo or quote from Toast; plans range from a starter tier to custom quotes. | A personal quote from our team, then devices shipped configured and installed at your location |
| Pricing | Not listed here; check Toast directly | Quoted to your business after a free statement review |
Toast hardware stays with Toast, so a switch means new devices; menus and modifiers are rebuilt on Clover during installation.
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.
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 Toast summarize its own public pages and named announcements as of October 2026. Products and terms change; confirm details with Toast before you decide. Merchant Fund Express is not affiliated with Toast.
Toast is built first for restaurants and its site now lists retail concepts as well. Clover covers restaurants, retail and services on the same platform, which suits businesses that mix them.
At Merchant Fund Express, yes. The Clover Flex is a handheld that takes orders and payment at the table, and we set it up with your floor plan, seat numbers and tip prompts.
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.
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.
