Clover vs SpotOn

Two point of sale tools side by side. Prices are the starting plan a small business would pick, in USD.

Compare	CloverClover Network (Fiserv)	SpotOnSpotOn
In one line	POS hardware and software with published rates and 3-year terms	Restaurant POS with published rates and 24/7 support
Starting price	$0 software + hardware	From $55/mo
Six-person team	$0 software + hardware	$55/mo
On $10,000 of card sales	$300/mo	$359/mo
Plans	Software: Starter $0 (in person 2.6% + 10¢ with Compact hardware, $349 or $16/mo for 36 months), Essentials $29.95/mo, Growth $84.95-$89.95/mo (2.3% + 10¢); e.g. Station Duo $1,899 + $84.95/mo or $180/mo for 36 months; keyed 3.5% + 10¢; larger systems' software $104.90/mo (retail), $109.90 (restaurant), $129.85 (full-service); 36-month subscriptions cannot be cancelled	Restaurants: POS Essentials $55/station/mo, month to month (2.45% + 15¢, keyed 3.45% + 15¢) plus implementation; All-In $0/station (2.79% + 20¢, 2-year term, minimums); retail Terminal $25/mo + $240 hardware
Pricing model	Free tier	Paid
Free trial	—	—
Users	Priced by device	Per station
Both connect to	No shared connections on record.
Also connects to	QuickBooks Online	None in our catalog
Team size	2–10 people · 11–50 people	2–10 people · 11–50 people
Available in	US · CA · AU	US
Phone support	Plans not stated	Plans not stated
Live chat	Not looked up yet	None listed
Support hours	Not published	Phone: 24/7 for restaurant management, payment devices and hardware
Incidents posted	6 incidents posted on Clover Network (Fiserv)'s status page, which covers all Clover Network (Fiserv) products and regions, in the 90 days to Oct 27, 2026; 1 marked major or critical by Clover Network (Fiserv). Status page	2 incidents posted on SpotOn's status page, which covers all SpotOn products and regions, in the 90 days to Oct 27, 2026; 0 marked major or critical by SpotOn. Status page
Capterra score	3.8 / 5 from 586 reviews	4.2 / 5 from 371 reviews
Trustpilot score	1.9 / 5 from 2,215 reviews	4.6 / 5 from 625 reviews
Fit: Retail shop	82	55
Fit: Restaurant or café	82	90
Fit: Service business	60	40
Fit: Agency or studio	10	5
Fit: Trades or contractor	45	20
Fit: Online store	30	15
Why people pick it	Published rates for each plan $0 software tier and a no-hardware option for services	All rates and station fees published 24/7 human support
Where it falls short	36-month subscriptions cannot be cancelled Devices work only with Clover processing	Its own hardware required Implementation cost not published
	Visit Clover ↗	Visit SpotOn ↗

Six-person prices are what a team of six would pay on the published plans; "Not listed" means those plans don't cover six. Card sales costs include the plan price and card fees at US rates, at a $25 average sale. How we calculate prices