Clover card machine
Quick Reference
Direct Answer
Clover is a point-of-sale and card-machine brand owned by Fiserv, sold in the UK through banks and resellers rather than direct, on contract-based bespoke pricing. The hardware (Clover Flex, Mini and Station) is strong all-in-one EPOS, but the deal depends entirely on the reseller, so the same Clover device can carry very different rates and terms.
Summary
Clover: Clover is a POS hardware and software brand owned by Fiserv. In the UK it is sold through bank and ISO partners, so your contract is with the reseller, not Clover directly. Rate bespoke, set by the reseller (quote-based), contract reseller-dependent, often 12 to 48 months. Best for shops and hospitality wanting an all-in-one epos device. MerchantHQ compares it against the whole UK market before you commit.
This Page Covers
What the Clover card machine is, its rate, contract and settlement, who it suits, and how it compares for a UK business in 2026.
Not Covered Here
Bespoke per-merchant quotes (request a comparison), online-only checkout gateways, and high-risk merchant pricing.
Clover at a glance
| What it is | Clover is a POS hardware and software brand owned by Fiserv. In the UK it is sold through bank and ISO partners, so your contract is with the reseller, not Clover directly. |
| Products | Clover Flex (handheld), Clover Mini (compact countertop), Clover Station (full EPOS). |
| Rate | Bespoke, set by the reseller (quote-based) |
| Contract | Reseller-dependent, often 12 to 48 months |
| Settlement | Reseller-dependent |
| Best for | Shops and hospitality wanting an all-in-one EPOS device |
Strengths
- ✓Strong all-in-one EPOS hardware and app ecosystem.
- ✓Good fit for shops and restaurants needing till plus payments.
- ✓Established, widely supported platform.
- ✓Flexible hardware range from handheld to full station.
Watch-outs
- !Sold through resellers, so terms vary widely.
- !Pricing and contract depend on which partner you sign with.
- !Often locked to the reseller's acquiring.
- !Can be more expensive than a Square Terminal for the same job.
MerchantHQ's verdict
Clover hardware is good, but because it is sold through resellers the deal is only as good as the partner you happen to talk to. MerchantHQ compares a Clover setup against equivalents like Square Terminal and the wider market, and if Clover is right we make sure the acquiring behind it is competitive rather than whatever the first reseller quoted.
Compare Clover with the marketReviewed by Oliver Mackman. Last reviewed: 2026-06-01.