Smarter payments for every sale

Clover supports a wide array of payment options to cater to diverse customer preferences, which include:

Credit and debit cards: Accept most major credit and debit cards, such as Visa, Mastercard, American Express, and Discover.

Mobile payments: Enable popular mobile wallet options, such as Apple Pay® and Google Wallet™ for quick, contactless transactions.

EMV chip cards: Help safeguard transactions with chip card technology, reducing the risk of fraud.

Contactless payments: Allow customers to pay by simply tapping their cards or waving devices over the terminal.

Gift cards: Process and redeem gift cards easily, enhancing customer engagement and loyalty.

Cash transactions: Take traditional cash payments, too.

Buy Now Pay Later (BNPL): Help customers pay over time in four interest-free installments.

Pay by Bank: Securely request direct-from-account payments on larger invoices.

Clover's versatility in payment processing helps ensure you can accommodate your customers' preferred payment methods seamlessly.

You get paid upfront and in full according to your standard Clover payout schedule—Klarna assumes all consumer credit risk. Customers can split their purchases into interest-free payments online or in-store by scanning a QR code right on your Clover device terminal screen.

Pay by Bank allows your clients to settle invoices securely via a direct bank portal login, bypassing traditional credit card networks. Because it avoids high credit card interchange fees, it provides a low-cost, flat-rate processing option that protects your profit margins on high-ticket sales and large invoices.

PCI compliance, or Payment Card Industry Data Security Standard (PCI DSS), is a set of security requirements that businesses must adhere to if they plan to capture, process, transmit, or store credit or debit card information. Clover takes PCI compliance seriously and follows these standards meticulously to stay compliant.

While Clover is a trusted payment solution, each merchant is responsible for maintaining their own PCI compliance to help minimize fraud risk, prevent diminished consumer confidence, and avoid penalties and fines. By choosing Clover as your partner, we can help provide you with the support you need to complete your audits and SAQs.

Yes. Clover POS systems do provide offline payment processing capabilities. In the event of a temporary loss of internet connectivity, Clover devices can still accept payments if you turn on the __ Offline Payments__ option.

Your system will automatically submit offline payments for authorization once the connection is restored. This enables your business to take payments and serve customers even in situations where the internet is temporarily unavailable, offering convenience to customers and reliability for your business operations.

Clover payment processing fees, or transaction fees, can vary depending on your specific monthly plan and the terms of your agreement. Typically, Clover charges a percentage of each transaction's total, alongside a small fixed fee per transaction.

These rates can be influenced by factors, such as your business type, transaction volume, the types of cards you accept (credit, debit, etc.), and how the purchase was made (in-person, hand-keyed, etc.) but they can be as low as 2.3% plus 10¢ per transaction.