Simple vs Clover: The 2026 Comparison
One price. From the company that actually makes the product.
Simple has one published price: 2.39%, everything included, no contract. Clover's price depends on which of 3,000+ resellers you sign with — with 36–48 month terms and hardware locked to Fiserv.
Comparison data verified July 2026 from clover.com and verified 2026 reviews. Clover is a trademark of Clover Network, LLC, a Fiserv company.
Key facts — Simple vs Clover
- Simple bills month-to-month with no contract; Clover is sold through resellers on 36–48 month processing contracts with early-termination fees up to the remaining contract balance.
- Simple charges a flat 2.39% on all card transactions on every plan; Clover's in-person rate is set by each reseller and typically ranges from 2.3%–2.6% + 10¢, with 3.5% + 10¢ on card-not-present sales and additional monthly fees.
- Simple runs on off-the-shelf iPad and iPhone hardware you already own or can buy anywhere; Clover requires proprietary hardware locked to your reseller's processor.
- Simple includes delivery dispatch, task management, forms & checklists, expense management with live P&L, and swim-lane service queues on every plan; Clover charges monthly per-app fees for most add-ons through its App Market.
- Simple's software is one flat price starting at $39/month; Clover's software plan (Register at $54.95/month) is stacked on top of processing fees, per-app fees, and hardware financing.
Pricing at a glance
Every line, side by side — including how Clover's reseller model shapes what you actually pay.
| Simple | Clover | |
|---|---|---|
| Card processing (in person) | 2.39% — every plan | 2.3%–2.6% + 10¢ — varies by plan AND by reseller |
| Card processing (online / card-not-present) | 2.39% — every plan | 3.5% + 10¢ on all tiers |
| Software subscription | All features included | $16–$239+/month depending on vertical, plan, and reseller |
| Contract | Month to month, cancel anytime | Commonly 36–48 months; early termination fee up to the remaining contract balance |
| Hardware | Standard hardware | Proprietary; locked to Fiserv processing — generally can't be reprogrammed if you switch providers |
| Additional registers | Included | $14.95/month per device software license |
| Common add-on fees | None | PCI compliance ~$10/mo, statement fees $5–$15/mo, platform access fees — reviewers report $100–$200/month per location in extras |
| Advanced inventory / add-on apps | Included | Clover App Market apps, free to $99+/month each |
| Who sets your price | Simple — published pricing | Whichever reseller you signed with |
| Onboarding | Migration support on every plan; white-glove on Large | Varies by reseller |
The same Clover device can cost two neighboring shops completely different amounts — rates, fees, and contract terms are set by the reseller, not published by Clover. Simple's pricing is on our pricing page. Same price for everyone.
Feature by feature
Grouped the same way as our pricing page — Core, Back Office, and Operations Hub.
Core
| Feature | Simple | Clover |
|---|---|---|
| Point of Sale (sales, returns, exchanges) | Included | Included |
| Invoicing (invoices, estimates, recurring) | Included | Invoicing available |
| E-commerce with drag-and-drop page builder | Included — per-location themes, scheduled homepages, built-in SEO tools | Basic online ordering pages; card-not-present runs 3.5% + 10¢ |
| Appointments & online booking | Included | Via App Market apps |
| Loyalty program (with POS redemption) | Included | Basic Clover Rewards included; advanced loyalty via paid apps |
| Advanced discount engine (BOGO, bundles, smart clearance) | Included | Basic discounts; promos via apps |
| Customer segmentation with live rule preview + AI recommendations | Included | Basic customer list |
| Text & email marketing | Included | Via App Market apps |
Back Office
| Feature | Simple | Clover |
|---|---|---|
| Inventory: POs, transfers, audits, variants, vendors | Included | Basic item management; advanced inventory via paid apps (up to $99+/mo) |
| Purchase-order returns & inventory rooms | Included | Not available |
| Expense management wired into live P&L | Included | Not available |
| Reports & analytics | Included | Standard reporting; depth via plan/apps |
| Register with blind close & float accountability | Included | Cash log basics |
| Multi-location management | Included, unlimited users | Per-device licensing adds up |
| Transparent payment onboarding (live status + corrections) | Included | Merchant account terms depend on reseller |
| Integrations hub | Included | Clover App Market |
Operations Hub
| Feature | Simple | Clover |
|---|---|---|
| Employee scheduler & shifts | Included | Via Homebase app |
| Time clock with GPS + geofence + PTO | Included | Via Homebase app (paid tiers for advanced features) |
| Task management (recurring, read-&-sign) | Included | Not available |
| Forms & checklists with approvals | Included | Not available |
| Delivery & dispatch: your drivers, vehicles, map-drawn zones | Included | Third-party ordering/delivery apps; no fleet management |
| Service queues (swim lanes) | Included | Not available |
| Branded customer support portal + ticket inbox | Included | Not available |
| Help center builder | Included | Not available |
The details that matter
The reseller roulette
Clover is sold by Fiserv, banks, and 3,000+ independent resellers. Same device — but your processing rate, monthly fees, contract length, and support quality all depend on who sold it to you. 2026 reviews consistently report rate increases via tier reclassification and noncancelable hardware leases.
With Simple, the company that builds the product sets one published price.
The hardware you can't take with you
Clover devices are locked to Fiserv's processing network — if you switch providers, your hardware generally can't be reprogrammed. Combined with 36–48 month contracts and termination fees equal to the remaining balance, leaving is expensive by design.
Simple is month to month.
The rate you actually get
Card-not-present on Clover is 3.5% + 10¢ on every tier — that's every online order, invoice, and keyed sale. Simple is 2.39% on everything, in person and online.
Savings Calculator
Live math using verified July 2026 published rates.
Which of these do you use?
Simple
Processing only
$11,472
per year
Clover
Processing + feature add-ons
$14,880
per year
Annual total: processing + on-toggle feature costs. Base software shown below.
Simple software
Clover software
$180+/mo per location + commonly reported PCI/statement extras
You save
$3,408
per year vs Clover
Not for sale at any price on Clover
Estimates based on published July 2026 rates and typical published app pricing. Courier fees (DoorDash/Uber) excluded for Square delivery. Your actuals may vary.
The bottom line
Clover can work when a bank relationship matters more than predictable pricing. If you want to know your rate before you sign — and keep your hardware if you leave — that's Simple.
Frequently asked questions
Know your price before you sign.
Everything, for 2.39%.
All Clover pricing and feature information verified July 2026 from clover.com and verified customer reviews. Clover pricing varies by reseller; figures shown are published or commonly reported ranges. Details may change; we update this page regularly. Clover is a trademark of Clover Network, LLC / Fiserv, Inc., which does not endorse Simple.