Clover vs Stripe
Stripe scores higher overall (74 vs 69), but the right choice depends on your size and card mix. The default for software companies and custom checkout — the wrong default for a shop that just needs a terminal.
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
Stripe
Developer-first payments infrastructure
74/ 100
3.5Merchant Score
- Pricing
- 3.1
- Features
- 4.6
- Ease of use
- 3.8
- Customer support
- 3.2
- User reviews
- 3.9
- Pricing model
- Flat rate
- Headline rate
- 2.9% + $0.30
- Monthly fee
- None
- Contract
- None — pay as you go
- Payouts
- 2 business days standard
- Hardware
- Terminal readers from $59
Strong fit for
- SaaS and platforms with engineering teams
- Custom checkout and marketplace builds
- International online sellers
Which one is cheaper for your business?
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