Clover vs Shopify
Shopify scores higher overall (79 vs 69), but the right choice depends on your size and card mix. If you sell online, the bundled economics and Shop Pay conversion lift make Shopify Payments the default — just accept that you are marrying the platform.
Updated 2026-08-07Clover
All-in-one POS hardware with app market flexibility
69/ 100
2.7Merchant Score
- Pricing
- 2.9
- Features
- 4.1
- Ease of use
- 3.9
- Customer support
- 3.0
- User reviews
- 3.2
- Pricing model
- Flat rate, plan-tiered
- Headline rate
- 2.6% + $0.10
- Monthly fee
- $14.95/mo
- Contract
- Varies by reseller — read carefully
- Payouts
- 1-3 business days
- Hardware
- Station $1,699, Flex $599
Strong fit for
- Restaurants and retail wanting premium countertop hardware
- Merchants buying direct from Clover
- Businesses wanting app-market flexibility
Shopify
The ecommerce platform with payments built in
79/ 100
4.3Merchant Score
- Pricing
- 3.2
- Features
- 4.7
- Ease of use
- 4.4
- Customer support
- 3.5
- User reviews
- 4.1
- Pricing model
- Flat rate, tiered by plan
- Headline rate
- 2.9% + $0.30 online · 2.6% + $0.10 in person
- Monthly fee
- $39/mo
- Contract
- None — monthly or annual plans
- Payouts
- 2-3 business days
- Hardware
- POS Go $299, reader $49
Strong fit for
- Online-first brands of any size
- Merchants selling internationally
- Stores that want checkout conversion above all
Which one is cheaper for your business?
Averages hide your card mix. Upload one statement and we project your exact costs on Clover, Shopify, and every other provider we track.
Get your free rate report