Helcim vs Clover

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

Compare	HelcimHelcim	CloverClover Network (Fiserv)
In one line	Free POS with interchange-plus pricing that drops as you grow	POS hardware and software with published rates and 3-year terms
Starting price	Free	$0 software + hardware
Six-person team	$0/mo	$0 software + hardware
On $10,000 of card sales	Interchange plus a markup	$300/mo
Plans	No monthly fee; in-person interchange + 0.40% + 8¢, online interchange + 0.50% + 25¢ (first $50K/mo, lower above); card reader $199; Smart Terminal $349	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
Pricing model	Free tier	Free tier
Free trial	—	—
Users	Unlimited	Priced by device
Both connect to	QuickBooks Online
Also connects to	Xero, Wave, Zoho Books	No others on record
Team size	Just me · 2–10 people · 11–50 people	2–10 people · 11–50 people
Available in	US · CA	US · CA · AU
Phone support	Plans not stated	Plans not stated
Live chat	None listed	Not looked up yet
Support hours	Phone: Monday – Friday: 7am – 5pm MT; Saturdays: 9am – 5pm MT	Not published
Incidents posted	Helcim has a public status page. Status page	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
Capterra score	Not listed	3.8 / 5 from 586 reviews
Trustpilot score	4.1 / 5 from 1,112 reviews	1.9 / 5 from 2,215 reviews
Fit: Retail shop	82	82
Fit: Restaurant or café	55	82
Fit: Service business	85	60
Fit: Agency or studio	50	10
Fit: Trades or contractor	80	45
Fit: Online store	60	30
Why people pick it	No monthly or contract fees Lower rates at higher volume	Published rates for each plan $0 software tier and a no-hardware option for services
Where it falls short	Rates vary by card, harder to predict Light restaurant features	36-month subscriptions cannot be cancelled Devices work only with Clover processing
	Visit Helcim ↗	Visit Clover ↗

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