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Clover

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Payments TechnologySoftwareclover.comUpdated

Market category: Point of Sale Software

Clover provides point-of-sale technology and business management tools for small and medium-sized businesses.

Overview

Clover provides small and medium-sized businesses with integrated point-of-sale technology and business management capabilities. Its solutions support payment acceptance, sales and inventory tracking, employee management, customer engagement, and online ordering for businesses in restaurant, retail, and service industries.

Mission statement

Help small businesses run more effectively with accessible tools for payments, operations, and customer service.

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What we offer

Clover POS System

Manage payments, sales, inventory, employees, and customer relationships with a customizable POS system that can grow with your business.

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Clover Compact

Accept payments quickly and securely with a straightforward countertop terminal and access to select tools for managing payments and cash flow.

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Clover Flex

Take payments and manage sales, inventory, and staff from a portable POS at the counter, tableside, or on the go.

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Clover Flex Pocket

Take payments, scan items, and manage business tasks on the move with a lightweight handheld POS that works with other Clover devices.

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Clover Go

Accept payments on the move, manage transactions from a mobile device, and keep activity synced with the Clover Dashboard and devices.

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Clover Kiosk

Let guests browse, customize, and pay for their own orders while helping restaurants move lines faster, improve order accuracy, and increase average ticket size.

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Clover Kitchen Display System

Bring orders and kitchen teams together to keep service moving, improve order accuracy, and help restaurants manage fulfillment efficiently.

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Clover Mini

Accept flexible payments, manage inventory and sales, and run day-to-day operations from a compact countertop POS.

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Clover Station Duo

Speed up checkout and give customers a simple way to confirm orders, tip, redeem rewards, pay, and choose a receipt.

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Clover Station Solo

Manage payments, inventory, staff, and sales from one countertop POS, with flexible ways to expand and accept payments away from the counter.

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Clover Online Ordering

Manage online orders, pickup, and delivery in one place while reaching customers through your website and third-party ordering platforms.

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Clover Virtual Terminal

Accept payments and process refunds through the Clover Web Dashboard without needing a POS device.

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Clover Rapid Deposit

Get access to eligible sales deposits in minutes to help manage cash flow without waiting for traditional settlement funding.

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Clover Capital

Access working capital for business needs and repay through a percentage of sales, with no fixed payment amount or term.

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Clover App Market

Find apps for your business needs and tailor your Clover system with tools for inventory, customer management, reporting, and online sales.

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Clover Developer Platform

Build and publish apps for Clover merchants with developer tools, marketplace reach, reporting, and a 70% app royalty share.

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Market segments

Market size by segment

Growth potential (CAGR)

Point of sale

28.9 Billion USD14.4% CAGR

In-store and counter transaction systems that accept payments, manage sales and inventory, and support integrations with peripherals and kiosks for retail and hospitality operations.

Products: Clover POS System, Clover Mini, Clover Station Duo, Clover Station Solo, Clover Flex, Clover Flex Pocket, Clover Go

Payment processing

105.23 Billion USD12.5% CAGR

Services and terminals that enable merchants to accept card and digital wallet payments, process refunds, and access transaction proceeds through standard or accelerated settlement.

Products: Clover Compact, Clover POS System, Clover Mini, Clover Station Duo, Clover Station Solo, Clover Flex, Clover Flex Pocket, Clover Go, Clover Virtual Terminal, Clover Rapid Deposit

Restaurant ordering

12.5 Billion USD14.2% CAGR

Capabilities that help restaurants capture and manage self-service, website, pickup, and delivery orders while synchronizing menus, pricing, payments, and order routing.

Products: Clover Kiosk, Clover Online Ordering, Clover POS System

Kitchen display systems

0.94 Billion USD8% CAGR

Digital kitchen displays that automate order routing, ticket management, and guest notifications to improve order accuracy and kitchen throughput.

Products: Clover Kitchen Display System

Merchant cash advances

20 Billion USD7.2% CAGR

Working-capital funding for businesses against future card sales, with repayment collected as a percentage of daily card transactions rather than fixed payments.

Products: Clover Capital

More information about our offering

Clover POS System

Clover POS is a customizable, cloud-based point-of-sale system for restaurant, retail, eCommerce, and service businesses. Businesses can choose software plans, countertop or portable devices, accessories, and apps to suit their needs and expand over time. The system supports payment acceptance, order and inventory management, sales reporting, employee tools, and customer engagement, with access to business data through the Clover Dashboard.

Category: Point of Sale Software

  • Accept Payments In Multiple Ways
    Give customers payment options including major cards, contactless payments, and mobile wallets. Handle related checkout tasks such as tipping, receipts, refunds, returns, and exchanges.
  • Track Sales And View Reports
    Access sales information and business metrics from the Clover Dashboard to review performance, spot trends, and monitor transactions.
  • Organize And Track Inventory
    Keep items organized using categories, labels, modifiers, and variants, and track inventory across in-store and online sales.
  • Customize Your POS System
    Choose from software plans, countertop or portable devices, accessories, and App Market applications, then add to the system as needed.
  • Manage Schedules And Permissions
    Manage staff schedules and timesheets, set permissions based on responsibilities, and review employee activity and performance.
  • Build Customer Loyalty
    Use loyalty programs, promotions, feedback, and customer information to support ongoing engagement and encourage customers to return.
  • Access Business Data Anywhere
    Use the Clover Dashboard to access business information and review sales, refunds, deposits, and reports remotely.
  • Manage In-Person And Online Orders
    Handle different order types and workflows, including in-house, pickup, delivery, open tabs, split bills, and combined orders. Online ordering options can connect with third-party delivery platforms.
  • Protect Payment Information
    Use end-to-end encryption on Clover devices to help protect business and customer information during payment processing.
  • Take Payments Without A POS Device
    Use the Clover Web Dashboard on a computer, tablet, or smartphone to accept payments and process refunds without a POS device.
  • Extend Features With Business Apps
    Connect applications from the Clover App Market to customize the system with tools for business needs such as inventory, analytics, customer management, and online selling.
  • Get Setup And Troubleshooting Help
    Access help for setup and troubleshooting through Clover account resources, a Clover device, the Clover Go app, or live phone support.

Clover Compact

Clover Compact is a streamlined countertop payment terminal for businesses seeking essential payment functions. It accepts chip, swipe, debit PIN, contactless, EBT, and gift card transactions, with a 3.6-inch touchscreen, built-in thermal receipt printer, and Wi-Fi, Ethernet, and LTE connectivity. Its interface is designed to make payments, setup, and training straightforward. The terminal features end-to-end encryption and an anti-theft security lock, and supports surcharge programs and cash discounts. Depending on the plan, merchants can also access basic sales reports and employee profile management, alongside Clover Dashboard services such as Rapid Deposit and Clover Capital. Compact is a payment terminal, not a full-featured POS for menu, inventory, or order management.

  • Accept More Payment Types
    Give customers multiple ways to pay at the counter, including card, contactless, EBT, and gift card transactions.
  • Speed Up Checkout
    Process customer payments through quick, straightforward payment flows on an intuitive countertop terminal.
  • Protect Payment Data
    Use end-to-end encryption to help protect business data during payment processing, with an anti-theft lock included.
  • Print Receipts And Stay Connected
    Use the built-in printer for transaction receipts and choose from Wi-Fi, Ethernet, or LTE connectivity.
  • Configure Surcharges And Cash Discounts
    Set up a surcharge program or offer discounts for cash purchases using Compact's essential payment functions.
  • Use A Durable Touchscreen
    Rely on a touchscreen built with chemically strengthened glass and scratch- and fingerprint-resistant treatment, with protection against splashes.
  • Access Eligible Deposits Faster
    Request transfers of eligible sales deposits through Rapid Deposit rather than waiting for traditional settlement funding. A 1.75% fee applies, and transfers are subject to eligibility and stated limits.
  • Review Sales And Manage Profiles
    Use basic sales reports and manage employee profiles with the Starter plan.
  • Access Future-Sales Funding
    Use Clover Capital to access working capital based on future credit card sales, with repayment tied to a percentage of Mastercard and Visa transactions.
  • Customize Your Countertop Setup
    Add an optional swivel stand or PIN shield to tailor the Compact terminal's countertop setup.

Clover Flex

Clover Flex is a handheld point-of-sale system designed for taking payments and managing business operations at the counter, tableside, or on the go. Its nearly 6-inch touchscreen, built-in receipt printer, camera, and barcode scanner support payments, ordering, and inventory tasks. It accepts chip, swipe, and contactless payments, connects over Wi-Fi or LTE, and provides at least eight hours of typical small-business use. Flex can operate on its own or sync with other Clover devices, and its tools support sales reporting, inventory organization, and employee management.

Category: Point of Sale Software

  • Manage Business From Anywhere
    Take the POS to the counter, tableside, or on the go to handle business tasks wherever you serve customers.
  • Accept More Payment Types
    Give customers options to pay by chip, swipe, or contactless methods, including supported mobile wallets.
  • Track Sales From Anywhere
    Review sales and business metrics from a computer or mobile device, including when away from the POS.
  • Sync Transactions Across Devices
    Connect Flex with other Clover POS devices to share transaction information across the system in real time.
  • Stay Connected On The Go
    Use Wi-Fi or LTE connectivity and a battery designed for at least eight hours of typical small-business use.
  • Protect Payment Information
    Use end-to-end encryption as part of Clover Security when processing payments and handling business information.
  • Scan Products And Inventory
    Use the built-in camera and barcode scanner for scanning tasks such as product and inventory workflows.
  • Print Or Send Receipts
    Provide customers with a printed receipt from the built-in printer or send a digital receipt by email or text.
  • Keep Inventory Organized
    Use categories, labels, modifiers, and variants to organize inventory and keep it up to date.
  • Manage Your Team
    Review employee performance, manage schedules and timesheets, and set permissions to oversee team access.
  • Start Taking Payments Quickly
    Get started with minimal setup and training, with the product page describing same-day setup for business and payment acceptance.
  • Configure A System That Fits
    Configure Flex for your needs and pair it with other Clover devices and accessories to create a system for your business.
  • Encourage Customer Loyalty
    Create a loyalty program through Clover to reward customers and help bring them back.

Clover Flex Pocket

Clover Flex Pocket is a lightweight, printerless handheld POS system for taking payments and managing business on the move. It accepts swipe, dip, tap, and contactless payments; scans barcodes and QR codes; and sends receipts by email or text. The 5.99-inch touchscreen, Wi-Fi and LTE connectivity, and USB-C charging support mobile use. It syncs with other Clover devices, allowing connected devices to manage and take payments for the same order. Clover Flex Pocket also supports sales reporting, inventory organization, and employee oversight.

Category: Point of Sale Software

  • Accept Payments Wherever You Work
    Take a range of in-person payments from the restaurant floor, retail floor, or other locations where you do business.
  • Carry Payments In Your Pocket
    The lightweight design makes it easier to take the POS with you as you move around your business.
  • Manage Orders Across Clover Devices
    Add Flex Pocket to an existing Clover POS system and work with the same order across connected mobile or standard POS devices.
  • Scan Barcodes And QR Codes
    Scan items while working on the retail or restaurant floor using the device’s camera and scanner.
  • Send Receipts Digitally
    Provide customers with receipts by email or text without using a built-in receipt printer.
  • Keep Business Running For Hours
    Use the device for at least eight hours on average, with USB-C charging when needed.
  • Protect Transactions With Encryption
    Use Clover Security’s end-to-end encryption while accepting payments on the device.
  • Review Sales From Anywhere
    Check sales data and key business metrics from a computer or mobile device.
  • Keep Inventory Organized
    Organize inventory with categories, labels, modifiers, and variants, and keep it up to date.
  • Track And Manage Your Team
    Review employee performance, manage schedules and timesheets, and set permission levels from the system.
  • Replace The Battery When Needed
    Replace the device battery using instructions provided through the Clover Help Center.
  • Connect And Work On The Go
    Use the touchscreen interface and Wi-Fi or LTE connectivity to work from different locations in your business.

Clover Go

Clover Go is a mobile POS system that pairs the Clover Go app with a compatible smartphone or tablet and an optional card reader. Businesses can accept payments wherever they have an internet connection, manage transactions, and sync activity with the Clover Dashboard and other Clover devices. The app supports iOS and Android and is optimized for Apple iPad screens. The reader accepts chip, dip, and contactless payments, connects to the mobile device via Bluetooth, and can be used with an optional Go Dock for countertop payments.

Category: Point of Sale Software

  • Accept Payments On The Move
    Take payments wherever you do business using the app on a compatible mobile device, with or without the optional Go reader.
  • Manage Orders With Flexibility
    Adjust transactions and leave them open for later payment, helping businesses handle changing orders without restarting the transaction.
  • Configure Rates And Charges
    Set discount, tip, and tax rates from a mobile device and configure service or delivery charges to be applied automatically.
  • Sync Activity Across Clover
    Keep Clover Go activity connected with the Clover Dashboard and other Clover devices.
  • Review All Transaction Statuses
    See open, pending, and completed transactions in one app, including transactions initiated on other Clover devices.
  • Take Payments Offline
    Continue taking payments in areas without Wi-Fi or cellular service, with transactions authorized after reconnection.
  • Use Your Compatible Mobile Device
    Run Clover Go on a compatible smartphone or tablet rather than purchasing a specific mobile device.
  • Process Full Or Partial Refunds
    Handle full and partial refunds through the mobile POS.
  • Send Receipts And Track Balances
    Send customers digital receipts by email or text and keep track of outstanding balance status.
  • Offer One-Touch Tips
    Give customers a quick way to add a tip during the payment process.
  • Process Returns And Exchanges
    Handle returns and exchanges through Clover Go.
  • Connect And Charge The Reader
    Connect the reader to a mobile device via Bluetooth and use its rechargeable battery for an estimated 160 dip, 160 swipe, or 130 contactless transactions per charge.
  • Access Help Around The Clock
    Get support at any time and open Help from the Clover Go app menu.
  • Dock The Reader For Countertop Use
    Use the optional dock to position the reader securely on a countertop and keep it charging during use.

Clover Kiosk

Clover Kiosk is an all-in-one self-ordering device for restaurants, featuring a 24-inch order touchscreen, an 8-inch payment touchscreen, a versatile payment terminal, and a built-in receipt printer. Guests can browse menus, customize and enter orders, and pay at the kiosk. The device syncs menu items and pricing from a Clover POS system and routes orders to a Kitchen Display System or kitchen printer. Guided setup, end-to-end encryption, Wi-Fi, Ethernet, LTE connectivity, and countertop, floor-stand, or wall-mount options support restaurant operations.

  • Let Guests Place Their Own Orders
    Guests can explore menu choices and submit customized orders at their own pace, while staff can focus on other tasks.
  • Keep Menu Items And Pricing In Sync
    Pull menu information directly from the Clover POS system so kiosk items and prices stay aligned with the restaurant’s POS.
  • Send Orders Directly To The Kitchen
    Route kiosk orders to a Kitchen Display System or kitchen printer so the kitchen receives them in its established workflow.
  • Accept Payments And Print Receipts
    Let guests pay at the kiosk using contactless, chip, swipe, or debit PIN payments, with a built-in printer for receipts.
  • Reduce Order Entry Errors
    Guest-entered orders help avoid errors made when employees enter orders, while the intuitive interface supports faster and more accurate ordering.
  • Promote Additional Menu Items
    Promote cross-selling and upselling options as guests order to encourage additional purchases and grow average ticket size.
  • Free Staff For Other Tasks
    By reducing the need for staff to take orders, the kiosk lets them focus on value-added tasks.
  • Follow Step-By-Step Setup Instructions
    Guided instructions walk operators through setup tasks, including image checks, tipping, and printer configuration.
  • Protect Transactions With End-To-End Encryption
    End-to-end encryption helps protect payment transactions made through the kiosk.
  • Choose A Countertop, Floor, Or Wall Setup
    Choose countertop placement, an optional floor stand with high and low settings, or wall mounting with an optional bracket or compatible third-party 100mm VESA mount.

Clover Kitchen Display System

The Clover Kitchen Display System is an employee-facing restaurant display that connects front-of-house ordering and online ordering platforms with kitchen staff. It brings on-premise and off-premise third-party orders together, showing ticket times, order statuses, and fulfillment information in real time. Available in 14-inch and 24-inch models, it includes features such as multi-level fulfillment, expo mode, item-level routing, prep-time reporting, color-coded order status, and runner ticket printing. Its restaurant-focused design includes a temperature-resistant body, anti-fingerprint and anti-glare treatment, and bi-directional speakers.

  • Unify Incoming Orders
    Bring on-premise and off-premise third-party orders together in one place so kitchen staff can manage orders from a consolidated view.
  • View Orders In Real Time
    See ticket times, order statuses, and order details on one screen, with restaurant-device orders sent directly to the kitchen display.
  • Manage Order Fulfillment
    Use multi-level fulfillment, expo mode, item-level routing, and color-coded statuses to organize and manage kitchen orders.
  • Track Preparation Performance
    Review prep-time and fulfillment reporting to monitor team performance and make operational adjustments.
  • Withstand Kitchen Conditions
    Use a display designed for kitchen environments, with a temperature-resistant body, anti-fingerprint and anti-glare treatment, and bi-directional speakers for alerts.
  • Print Runner Tickets
    Send runner tickets from the KDS to a network-connected printer to support order handoff.
  • Choose A Suitable Screen Size
    Select a 14-inch or 24-inch display based on kitchen space and placement needs, with countertop, wall-mount, and overhead-use options described for the models.
  • Manage Orders With A Bump Bar
    Add the optional KB9000 bump bar to manage orders on an overhead-mounted display or when touch-screen control is not preferred.

Clover Mini

Clover Mini is a compact countertop point-of-sale system for retail, service, restaurant, and food-service businesses. Its 8-inch touchscreen supports payment acceptance, inventory organization, real-time sales information, and business management. The device includes a thermal receipt printer, offers email and text receipts, and connects through Wi-Fi, Ethernet, or LTE. Businesses can expand the system with other Clover devices and accessories, use supported apps, and take payments away from the counter through Virtual Terminal, invoices, or recurring payments.

Category: Point of Sale Software

  • Accept Cards And Contactless Payments
    Give customers payment options including chip, swipe, and contactless transactions, with support for Apple Pay, Google Pay, and PayPal or Venmo.
  • Run Business From A Compact Countertop Device
    Fit a POS system into a compact countertop package, with an 8-inch touchscreen for orders, payments, and business management.
  • Monitor Sales And Transactions In Real Time
    See transactions as they happen and review sales activity, including hourly sales, top-selling items, refunds, and discounts, with access to data from wherever you are.
  • Organize And Access Inventory
    Keep inventory organized and accessible by controlling item categories, labels, modifiers, and variants.
  • Take Payments Beyond The Counter
    Accept card-not-present payments through Virtual Terminal, request payment by invoice, or set up recurring payments for repeat business.
  • Expand Your System As Business Grows
    Add accessories, including an optional cash drawer, and connect other Clover devices to extend the system as business needs change.
  • Protect Data With End-To-End Encryption
    Use Clover Security's end-to-end encryption to protect information handled by the POS system.
  • Print Or Send Receipts Digitally
    Offer customers a printed receipt from the built-in printer or send one by email or text.
  • Reward Customers With A Loyalty Program
    Set up a loyalty program to reward customers and encourage repeat business. Clover states that the program can be created in minutes at no charge.
  • Customize Operations With Business Apps
    Connect apps for tasks such as accounting, ecommerce, and staff scheduling to customize the system for business needs.
  • Access Working Capital From Future Sales
    Use Clover Capital to turn future credit card sales into working capital and access funds for business needs.
  • Connect Through Wi-Fi, Ethernet, Or LTE
    Choose Wi-Fi, Ethernet, or LTE connectivity for the device. LTE cellular service requires an optional paid service plan or another LTE wireless network.

Clover Station Duo

Clover Station Duo is an all-in-one, dual-screen POS system designed to speed up checkout. It has a 14-inch merchant-facing HD touchscreen and an 8-inch customer-facing touchscreen for order confirmation, tipping, rewards redemption, payment, and digital receipt requests. The system includes a high-speed receipt printer and cash drawer, and accepts chip, swipe, and contactless payments. Built-in software supports business reporting, employee management, customer loyalty, and promotions. Station Duo works with other Clover devices and accessories, and includes end-to-end encryption and integrated chip sensors.

Category: Point of Sale Software

  • Speed Up Checkout With Two Displays
    Keep transactions moving with a merchant display for staff and a customer touchscreen for order confirmation, tipping, rewards redemption, payment, and digital receipt requests.
  • Accept Multiple Payment Types
    Let customers pay by chip, swipe, or contactless payment, including supported mobile wallets, at the counter.
  • Handle Receipts And Cash Transactions
    Use the included receipt printer and cash drawer to print receipts and manage cash transactions from the counter.
  • Protect Business And Customer Data
    Use end-to-end encryption and integrated chip sensors as part of the system's transaction security.
  • Review Sales Performance
    Use sales tracking and reports to review how business is doing today compared with last week or last year.
  • Expand Your POS Setup
    Add compatible Clover countertop or handheld devices and accessories, including printers and scanners, to tailor the system to your needs.
  • Manage Staff And Permissions
    Review employee performance, manage schedules and timesheets, and set system permissions to oversee staff responsibilities.
  • Encourage Repeat Customer Visits
    Use customer lists, rewards programs, and promotions to recognize customers and give them reasons to return.
  • Start With Minimal Staff Training
    Get started with built-in, intuitive software and minimal staff training.
  • Take Payments Beyond The Counter
    Offer payment options for customers who are not paying at the counter, including Virtual Terminal, invoices, and recurring payments.
  • Scan With Built-In Cameras
    Use the dual 5-megapixel cameras and built-in scanning software as part of the POS system.

Clover Station Solo

Clover Station Solo is an all-in-one point-of-sale system with a 14-inch tiltable high-definition display, cash drawer, and high-speed receipt printer. It accepts chip and swipe payments and provides tools for inventory and employee management, sales tracking and reporting, and staff communication with back of house. Station Solo works with other Clover devices to support an expandable system. Businesses can also use Clover Virtual Terminal, invoicing, and recurring payments to accept payments away from the counter, and access services including Rapid Deposit, Clover Capital, and digital and physical gift cards.

Category: Point of Sale Software

  • Start With Essential Checkout Hardware
    The included cash drawer and receipt printer provide key checkout components with the Station Solo system.
  • Manage Work On A Large Display
    Use the 14-inch tiltable high-definition display for tasks including inventory and employee management, payments, and reporting.
  • Accept Chip And Swipe Payments
    Take chip and swipe payments from major credit cards at the Station Solo.
  • Track Sales And Review Trends
    Review sales data and reports to discover patterns and trends driving sales.
  • Expand Your Clover System
    Connect Station Solo with other Clover devices to build a system that can grow with the business.
  • Organize And Manage Inventory
    Manage inventory on the device, with plan features for creating and categorizing items and, on restaurant plans, setting up item variations and customization options.
  • Manage Staff And Permissions
    Use employee information to see which employees are top sellers, track schedules and hours, and set system permission levels.
  • Accept Payments Away From The Counter
    Use Clover Virtual Terminal, invoicing, and recurring payments to take payments when customers are not at the counter.
  • Protect Data With End-To-End Encryption
    Clover Security provides end-to-end encryption for the system.
  • Keep Staff And Back Of House In Sync
    Sync communication between staff and back of house as part of the way the business operates.
  • Transfer Funds To Your Bank Quickly
    Use Rapid Deposit to transfer funds quickly to a bank account.
  • Access Working Capital From Future Sales
    Turn future credit card sales into working capital, with clear payback terms described as flexible for business growth.
  • Offer Digital And Physical Gift Cards
    Use digital and physical gift cards to drive immediate sales and bring in new customers.
  • Connect Through Wi-Fi Ethernet Or LTE
    Choose among the system's listed Wi-Fi, Ethernet, and 4G/LTE connectivity options.

Clover Online Ordering

Clover Online Ordering helps businesses manage customer orders through a single system. It supports commission-free online ordering, delivery management, and integrations with third-party ordering platforms. Businesses can add ordering to their website with integrated menu management, order processing, and inventory tracking, or use a secure, customizable, mobile-friendly hosted checkout page. The system also supports pickup and delivery orders.

  • Accept Commission-Free Online Orders
    Offer customers online ordering without commissions on those orders.
  • Add Ordering To Your Website
    Offer online ordering through your website while managing menus, processing orders, and tracking inventory.
  • Manage Pickup And Delivery Orders
    Streamline pickup and delivery operations with online ordering, menu management, and order processing in one system.
  • Connect Ordering And Delivery Platforms
    Connect with leading ordering platforms and third-party delivery apps to streamline sales processes.
  • Offer Secure Mobile-Friendly Checkout
    Provide customers with a secure, customizable checkout page designed for mobile use.

Clover Virtual Terminal

Clover Virtual Terminal lets businesses process payments and refunds by logging in to the Clover Web Dashboard from a computer, tablet, or smartphone. It provides a way to accept payments without a POS device.

  • Process Payments Through The Web Dashboard
    Log in to the Clover Web Dashboard from a computer, tablet, or smartphone to process payments.
  • Accept Payments Without A POS Device
    Use the Clover Web Dashboard to accept payments without committing to or using a POS device.
  • Process Refunds From The Dashboard
    Handle refunds through the Clover Web Dashboard, using a computer, tablet, or smartphone.

Clover Rapid Deposit

Clover Rapid Deposit gives merchants access to eligible sales deposits in minutes instead of waiting for traditional settlement funding. Merchants can transfer up to $10,000 per request, with no limit on the number of requests per day. To use the service, link a debit card and enroll through the Clover Dashboard or a Clover device. A 1.75% fee applies.

  • Access Sales Funds In Minutes
    Get access to eligible sales deposits in minutes, helping you manage cash flow when you need it.
  • Transfer Up To $10,000 Per Request
    Choose how often to request transfers during the day, with up to $10,000 in eligible sales deposits available per request.
  • Enroll Through Your Dashboard Or Device
    Link your debit card and enroll through the Clover Dashboard or a Clover device.

Clover Capital

Clover Capital provides working capital funded against future credit card sales. There is no fixed term or payment amount; instead, a percentage of Mastercard and Visa transactions is deducted daily. Businesses can use the funds to purchase equipment, expand shop space, or adapt to industry trends, with clear payback terms.

  • Access Working Capital
    Use funding based on future credit card sales to help purchase equipment, expand shop space, or adapt to industry trends.
  • Repay As Sales Come In
    Repay through a percentage of Mastercard and Visa transactions deducted daily, rather than a fixed payment amount or term.

Clover App Market

Clover App Market is a marketplace where small businesses can find apps suited to their needs and customize their Clover systems. It organizes apps into categories and collections, including popular and new apps and options for inventory, customer management, reporting, business expenses, retail, and online sales. Listings identify app developers and may show ratings and whether a free plan or trial is available. Apps from Clover and third-party developers can extend Clover systems; third-party apps may require separate agreements and fees.

  • Find Apps For Your Business
    Explore apps for different business needs, helping you identify tools that suit your operations and customize your Clover system.
  • Extend Your Clover System
    Add compatible apps to customize your Clover system for your business. Third-party apps are provided by their developers and may involve separate agreements or charges.
  • Browse Apps By Need
    Use categories and collections to explore apps grouped around business needs and interests.
  • Compare App Details
    Review available listing information, including developer details, ratings, and whether an app offers a free plan, trial, or subscription pricing.

Clover Developer Platform

Clover’s open developer platform and global community enable developers to build and publish apps and integrations for Clover’s merchant systems. Developers can use documentation, APIs, SDKs, and developer kits, supported by app submission and review workflows, staged release tools, approval tracking, and reporting. Published apps can reach merchants through the Clover App Market. The program also offers a 70% app royalty share and partner support, including opportunities for app features and a dedicated business account manager.

  • Build Apps For Clover
    Use Clover’s APIs, SDKs, developer kits, and documentation as resources for building apps and integrations for Clover.
  • Publish Apps To Merchants
    Follow the submission and review process to publish approved apps to Clover’s App Market, where merchants can find apps suited to their businesses.
  • Reach Clover Merchants
    Make published apps available through the Clover App Market to a broad merchant base across restaurant, service, and retail businesses.
  • Manage App Releases
    Use APK management tools, release groups, and approval status trackers to manage app releases and staged rollouts.
  • Earn A 70% App Royalty
    Developers receive a 70% app royalty share, according to Clover’s developer program information.
  • Track App Performance
    Review app install metrics, revenue statements, and charge histories through the developer reporting tools.
  • Get Partner Support
    Access developer support and collaboration, with potential opportunities for app features and a dedicated business account manager.

Sources

Methodology and sourcing behind the figures and links shown above.

Point of sale

Research Nester provides the closest match to the described broad point-of-sale market, reporting a 2025 global market size of USD 28.9 billion and a 14.4% CAGR forecast for 2026–2035. POS terminal estimates cover a narrower hardware-focused scope and are not used as the primary estimate.

Payment processing

Estimated global market size is USD 105.23 billion for 2026, using the payment processing solutions estimate as the closest match to merchant payment acceptance, processing, and settlement services. Forecasts vary: Market.us reports USD 79.9 billion in 2023 and 11.5% CAGR, while Coherent Market Insights reports 12.5% CAGR for 2026–2033. The estimates indicate growth potential of roughly 11.5%–12.5% annually; the selected CAGR follows the more recent forecast.

Restaurant ordering

The closest available proxy is the Restaurant Digital Ordering Service Market, which covers restaurant app- and web-based ordering and is aligned with the segment’s ordering capabilities. The cited source reports a 2024 market size of USD 12.5 billion and a 14.2% CAGR forecast. This is a proxy rather than a precise estimate of restaurant ordering software alone.

Kitchen display systems

Growth Market Reports provides the most detailed, scope-defined estimate: a 2025 global market of USD 940 million and an 8.0% CAGR through 2034, supported by top-down and bottom-up sizing. Other results vary substantially, so the estimate uses this source rather than the markedly higher, less scope-consistent figures.

Merchant cash advances

The search result reports a global merchant cash advance market size of $17.9 billion in 2023, an estimated $20 billion in 2025, and a 7.2% CAGR forecast from 2023 to 2032. The 2025 estimate is used as the market size.

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