Payment Processor Comparison
PaymentsPlus vs Clover
Thinking about switching from Clover? See how PaymentsPlus compares on pricing, hardware costs, and features. Most businesses save significantly after switching.
Average Savings Example
A business processing $25,000/month typically saves:
With Clover
$695/mo
With PaymentsPlus
$460/mo
Monthly Savings
$235/mo
Annual Savings
$2,820/yr
Side-by-Side Comparison
See how we stack up on the features that matter most
| Feature | PaymentsPlus | Clover |
|---|---|---|
| Pricing Model | Interchange + 0.20% | Tiered or flat rate (2.3-3.5%) |
| Monthly Software Fee | $10/month | $14.95-$94.85/month |
| Contract Length | Month-to-month | Varies (often 3 years via reseller) |
| Hardware Cost | Free placement | $49-$1,799 purchase or lease |
| Funding Speed | Next-day | 1-3 business days |
| PCI Compliance | Included | Varies by reseller |
| POS Features | Via Clover hardware | Full POS ecosystem |
| App Marketplace | Limited | Clover App Market (100+ apps) |
| Canadian Support | Yes - Phone & Email | Via reseller (varies) |
| Processing Transparency | Full interchange visibility | Often bundled/tiered |
Common Clover Complaints
Why businesses are looking for Clover alternatives
Clover hardware is sold through resellers who set their own rates. Two businesses with identical Clover setups can pay vastly different processing fees.
Clover Station Duo costs $1,349-$1,799. Clover Flex is $499. With PaymentsPlus, you get equivalent hardware placed for free.
Clover charges monthly software fees ($14.95-$94.85) ON TOP of processing fees. These add up to $1,138/year on the mid-tier plan alone.
Clover hardware is locked to Fiserv-backed processing. If you want to switch processors, you may need entirely new hardware.
Why Canadian Businesses Are Switching to PaymentsPlus
- Transparent interchange-plus pricing - see exactly what you pay
- No software fee stacking - just one low monthly fee
- Free equipment placement - no $1,799 hardware purchase
- Month-to-month terms - no reseller lock-in contracts
- Lower overall costs - save $200+/month on average
- We help with the transition - seamless switch from Clover
Get a free quote showing exactly how much you'll save compared to your current Clover setup. We'll even help you understand your Clover contract and transition options.
Get Your Free QuoteWhen Clover Might Be Better
Clover might be better if you need their specific app marketplace integrations or you're buying hardware outright at retail price. For businesses processing over $10,000/month, PaymentsPlus's interchange-plus pricing almost always wins on cost.
Frequently Asked Questions
Can I use Clover hardware with PaymentsPlus?
Yes! PaymentsPlus works with Clover terminals. We can set up your Clover hardware with our interchange-plus processing, giving you the best of both worlds — Clover's POS features with PaymentsPlus's transparent pricing.
How much does Clover really cost per month?
Beyond processing fees, Clover charges $14.95-$94.85/month for software, plus hardware costs of $49-$1,799 upfront or monthly lease payments. Total cost often exceeds $200/month before you process a single transaction.
Is Clover POS better than PaymentsPlus?
Clover has a strong POS ecosystem with their app marketplace. However, PaymentsPlus can provide Clover hardware at better processing rates. You don't have to choose between Clover's POS features and fair pricing.
How do I switch from Clover to PaymentsPlus?
We make switching easy — typically 3-5 business days. We'll review your current Clover setup, match or beat your current POS capabilities, and handle the transition so there's no interruption to your business.
Does PaymentsPlus offer POS systems?
Yes! We offer free terminal placement including modern POS terminals. We work with Clover, PAX, and Dejavoo hardware to find the best fit for your business needs.
Stop Overpaying with Clover
See exactly how much you could save by switching to transparent interchange-plus pricing. Get your free comparison quote today.