Clover vs. Square – Small Business Card Processing (2025)

Card Processing

Oct 6

While both Clover and Square are often thought of as POS systems, many small businesses compare them for credit card processing.

In 2025, both offer competitive processing, but with different strengths:

Square → flat-rate pricing, simple, no monthly fees.
Clover → interchange-plus (via resellers), more flexibility but often monthly costs.

Clover Overview

Typically sold via resellers, pricing can vary.
Interchange-plus or tiered pricing.
Often requires monthly fee or contract.
Best for: SMBs needing customizable setups

Square Overview

Flat-rate pricing (2.6% + 10¢ for in-person).
No monthly fees.
Best for: Startups, small/seasonal businesses.

Clover vs. Square: Comparison Table (2025)

  
        Feature
        Clover
        Square
      
        Pricing Model
        Interchange-plus or tiered (varies)
        Flat rate
      
        Monthly Fees
        $9.95+ (varies by reseller)
        $0
      
        Contracts
        Often required
        None
      
        Best For
        Established SMBs needing flexibility
        Startups & small businesses
      
        Key Strength
        Customizable setup
        Simplicity & no monthly cost

ScaleUp Tip

Square is best for startups and small businesses that want simple, no-contract pricing.
Clover suits established SMBs that need more customization, but costs and contracts vary.

FAQs

1. Is Square cheaper than Clover?

Usually yes for low-volume SMBs; Clover can be cheaper at high volume if reseller rates are competitive.

2. Does Clover require contracts?

Often yes, depending on the reseller.

3. Which is easier for small businesses?

Square — no contracts, transparent flat rate.

The Editors