PalomaPOS vs Clover
Clover is sold at Clover.com and through banks and resellers, and Clover says contract terms and termination fees vary by provider. On Clover.com, restaurant bundles start at $135/month for 36 months with 2.3% + 10¢ in person. PalomaPOS is $0/month software with PalomaPOS processing, month-to-month, with no cancellation fee.
| Feature | PalomaPOS | Clover |
|---|---|---|
| Monthly software fee | $0/month with PalomaPOS processing | Restaurant bundles from $135/mo for 36 months (hardware included), or $849 hardware + $89.95/mo — prices on Clover.com[2] |
| In-person card rate | Custom quote from your current statement | 2.3% + 10¢ card tapped, swiped, or inserted — Clover says these prices are only available on Clover.com[2] |
| POS hardware | At cost, or free placement for qualifying volume | Buy or subscribe; Clover devices can't be used with other payment processors[1] |
| Payouts | Same-day funding, with an instant funding option | Rapid Deposit: funds within minutes of a card sale, 1.75% fee[3] |
| Contract & cancellation | Month-to-month, no cancellation fee; return the terminal if you leave | Terms and termination fees vary by provider (Clover Direct, banks, resellers); device subscriptions are non-cancelable[1] |
| Setup & menu build | Free menu build and data migration; remote setup by video call | Varies — check current terms |
| Support | People, in English & Spanish, Mon–Fri 9 AM–6 PM ET | 24/7/365 troubleshooting and support[1] |
| Offline mode | Orders, cash, printing & KDS keep working; cards offline on Valor terminals only | Varies — check current terms |
| Cash discount program | Varies — check current terms | |
| Business banking | Embedded banking | Varies — check current terms |
Clover facts are quoted from the vendor's own website as checked on October 24, 2026; the number after each one points to its source below. Prices and terms change — verify them on the vendor's site before you decide. Clover is a trademark of its owner; PalomaPOS is not affiliated with, endorsed by, or sponsored by Clover.
Sources (checked October 24, 2026)
- [1] Clover — POS System Pricing (FAQ) https://www.clover.com/pricing
- [2] Clover — Quick-service restaurant pricing https://www.clover.com/pricing/quick-service-restaurant
- [3] Clover — Full-service restaurant systems pricing https://www.clover.com/pricing/restaurant
Vendors change their prices and terms, and they can depend on your plan, location, and volume — verify current terms on the vendor's site before you decide. “Varies — check current terms” means we haven't verified a published figure.
How PalomaPOS differs from Clover
Clover's own pricing pages list restaurant bundles as a 36-month device subscription — from $135/month for the quick-service Starter — or as hardware bought outright ($849 for that Starter) plus $89.95/month, with 2.3% + 10¢ for card-present payments. Clover notes that those prices are only available on Clover.com, that device subscriptions are non-cancelable (they can be paid off at any time), and that Clover devices can't be used with other payment processors.
With PalomaPOS, POS software is $0/month when you process with us, terms are month-to-month with no cancellation fee — if you leave, you send the terminal back — and processing is quoted from your current statement. Same-day funding is included with an instant funding option, a cash discount program is available, and our team supports you in English and Spanish, Monday–Friday, 9 AM – 6 PM ET, at (888) 365-0704.
If you got Clover through a bank or reseller and aren't sure what your rate is, send us a statement — a person reads it, explains every fee, and replies with a written quote.
Who should switch — and who should stay with Clover
Switch to PalomaPOS if…
- You'd rather not sign a 36-month device subscription
- You want month-to-month terms with no cancellation fee
- You got Clover through a bank or reseller and want a second look at your statement
- You want hardware at cost, or free placement for qualifying volume
Stay with Clover if…
- You're partway through a Clover device subscription — Clover says subscriptions are non-cancelable, though they can be paid off at any time
- You want 24/7/365 support
- You rely on apps from the Clover App Market
- You want card funds within minutes through Rapid Deposit (1.75% fee)
FAQ
I'm in a Clover subscription or contract — can I still switch?
Check your agreement first: Clover says its device subscriptions are non-cancelable but can be paid off at any time, and that contract terms and termination fees vary by who sold you Clover. Many owners start PalomaPOS at one location and move the rest when their terms allow.
How does Clover's pricing compare with PalomaPOS?
On Clover.com, quick-service restaurant bundles start at $135/month for 36 months, or $849 for hardware plus $89.95/month, with 2.3% + 10¢ for card-present payments; Clover says those prices are only available on Clover.com (checked October 24, 2026). PalomaPOS software is $0/month with PalomaPOS processing, and processing is a custom quote: a person reviews your statement for free and sends you a written quote.
Can I use my Clover devices with PalomaPOS?
No — Clover says its devices can't be used with other payment processors. PalomaPOS runs on Valor and Sunmi POS terminals with built-in printers, on Android tablets and phones, and on iPhone and iPad, with hardware at cost or free placement for qualifying volume.
How fast can I switch?
It depends on your menu and equipment. Menu build, data migration, and staff training are included, and we agree on a go-live date with you.
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Ready to grow your food business without the busywork?
Book a free 15‑minute demo. We'll walk through your menu and your current processing statement — and answer every question, no pressure.
Same‑day funding
Get paid the same day, every day.
Hardware at cost
Or free placement for qualifying processing volume.
Setup included
Menu build, data migration, and staff training.
Or email sales@palomapos.com