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Every so often a credit card payment processing system hits the market that businesses get excited about. Clover is one such merchant services product. Seven out of the 10 businesses I walk into that have this device don’t use it properly, use it to its potential, or they don’t like it. The reasons why they don’t like it are almost always training. I want to help you to get clear on how to use this credit card processing system and make it work for your business so that you can accept credit cards and do it right.

Let’s take a look at how these cash register point-of-sale systems work and using a how credit card processing with these terminals benefit you.


In this article:


What is the Clover credit card payment processing system?

Clover is an all-in-one point-of-sale payment processing system that lets you accept credit cards, EMV chip, and contactless payments from customers, safely and securely. It helps to simplify and run your business and gives you tools to do so.


How does it work?

Clover functions off of an app-based platform built on Android. The only exception to that is vendors listed as IVRs, Independent Vendor Resellers. IVRs are allowed to use only the hardware of Clover while using their own software. One of them is Bypass, who takes care of the CenturyLink Field—the Seattle Seahawks stadium—and all its concessions.


What does it do for you?

Clover merchant services opens up all types of payment processing and ways of taking orders. It improves your businesses efficiency and helps you connect with your customers.


What products does Clover have?

Clover’s hardware product suite is made up of five basic devices: The Station, the Mini, the Mobile, the Go, and the Flex.


The Clover Station

The Station makes it easier and faster than ever to run your business using one payment processing device. Built-in capabilities allow you to simplify daily tasks, speed up transactions, engage your customers, accept all types of payments effortlessly. Something to note is that this is the older version. A new version is coming soon. I do not have a release date, but it’ll have integrated chip acceptance and a thermal printer that comes with a customer-facing LED screen, so they can see the total payment due. It will also add the ability for contact payments, such as Samsung Pay, Google Pay, Apple, and Pay. This merchant services device comes with a patented swivel so that it interacts and allows for e-signature capture with the customer.


The Clover Mini

New Clover Mini

The Mini is Wi-Fi-enabled and 3G-capable, accepts PIN debit, and one of the only devices that accept PIN debit on a touchscreen. It has an integrated receipt printer that can print for the customer. This operates independently as a cash register, POS device for retail, restaurants, and more. It can also work with another Mini tethered side-by-side so one will face the customer and one will face the business owner. It’s an excellent way to cut costs and move into a POS system. A third option is to have it face the customer the entire time and have a keypad merchant-facing for a friendly payment transaction.

This set-up is perfect for businesses that are used to the credit card processing terminals where you swipe and go. This helps your customer’s process credit card payments fast. Minis run at 3.7-seconds per transactions for chip cards. That’s very fast. It’s because Clover controls the whole payment process. It’s one of the fastest ways to take a chip card. It offers more security for your customers, so they have a better buying experience. It also decreases the likelihood of fraud, so you keep your business more secure against chargebacks and fraudulent use of credit cards.

It’s also an easy way to add a chip and become PCI compliant. You’ll never have to do an update or a download ever again, nor will you have no monthly fees for running a POS system. A merchant services machine like this is cutting edge technology and an inexpensive option for your business. It can work side-by-side with a Station.


The Clover Go

The Go works off a wireless Bluetooth connection through the app downloaded into your phone. It used to be only available for Android, but and now it’s available for Apple as well. The app also does not auto-decrement on inventory. While this is great on the go, it’s not for good for handling larger amounts of inventory, but it is a good solution for weekend sales events.

This can become extremely inexpensive and the provider even may have the opportunity to zero out all additional fees that could be incurred by adding this to your businesses ability to take credit card payments. The Go is contactless and chip-ready.

This credit card payment processing machine works from around nine to 10 feet away from the device. What it does is sits in the docking station at the front of your counter while you can run your business from your phone. This is a very simple way to get payments up and going. You can set it up on a flat rate that’s less expensive than Square.


The Clover Flex

New Clover Flex

The Flex allows you to scroll inventory, check out customers, enter your orders, collect your customers e-signature receipt. It has a built-in printer with a barcode scanner, so Flex really provides you that all-in-one merchant services solution that you might be looking for. This is perfect for food trucks, on-the-go businesses that are constantly moving, or brick and mortar shops. Extremely inexpensive for the technology that it’s giving you, the Flex is cutting edge.


As we continue our series, we will be going more in-depth on these credit card payment processing products, so you can know which is a good fit for you. We also want to help you avoid some common mistakes with investing in a Clover POS register device.

Interested in learning more? Book an appointment with me to review your merchant pricing and to get tips on how to lower your pricing instantly with your current processor.


“Make the most of yourself by fanning the tiny inner sparks of possibility into flames of achievement.” — Golda Mier.

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