Clover card machine
Quick Reference
Direct Answer
Clover is a point-of-sale and card-machine brand owned by Fiserv. In the UK you can buy it direct from Fiserv at uk.clover.com or through a bank or ISO partner, and either way the pricing is bespoke rather than published. The hardware (Clover Flex, Flex Pocket, Mini and Station Duo) is strong all-in-one EPOS, but because there is no published rate card the same Clover device can carry very different rates and terms depending on who sells it to you.
Summary
Clover: Clover is a POS hardware and software brand owned by Fiserv. In the UK it is sold both direct by Fiserv and through bank and ISO partners, so check which of those your contract is actually with. Rate bespoke, quote-based (clover publishes no uk rate card), contract not published; depends on the service plan and whether you buy direct or through a partner.
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 both direct by Fiserv and through bank and ISO partners, so check which of those your contract is actually with. |
| Products | Clover Flex (handheld with built-in printer and barcode scanner), Clover Flex Pocket (lightweight handheld), Clover Mini (compact countertop), Clover Station Duo (dual-screen full EPOS). |
| Rate | Bespoke, quote-based (Clover publishes no UK rate card) |
| Contract | Not published; depends on the service plan and whether you buy direct or through a partner |
| Settlement | Next business day as standard (Clover UK) |
| 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 pocket handheld to dual-screen station.
- ✓Next-business-day settlement as standard.
Watch-outs
- !No published UK rate card, so you cannot compare without a quote.
- !Pricing and contract vary depending on whether you buy direct or through a partner.
- !Often locked to Clover or the partner's acquiring.
- !Can be more expensive than a Square Terminal for the same job.
MerchantHQ's verdict
Clover hardware is good, but nothing about the price is published, so the deal is only as good as the quote you happen to be given, whether that comes from Fiserv direct or a bank partner. 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 quote said.
Compare Clover with the marketMerchantHQ is owned and operated by Best Business Loans Ltd, directed by Oliver Mackman. Last updated: