Square POS vs Clover

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

Compare	Square POSBlock	CloverClover Network (Fiserv)
In one line	Free POS with pay-as-you-go processing	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	$320/mo	$300/mo
Plans	Free $0/mo: 2.6% + 15¢ per tap, dip, or swipe; Plus $49/mo per location: 2.5% + 15¢; Premium $149/mo per location: 2.4% + 15¢	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, Zoho Books, Akaunting, Kashoo, ZipBooks, Bench	No others on record
Team size	Just me · 2–10 people · 11–50 people	2–10 people · 11–50 people
Available in	US · UK · CA · AU	US · CA · AU
Phone support	Every plan (US)	Plans not stated
Live chat	Plans not stated	Not looked up yet
Support hours	Phone: 6am–6pm PT M–F for the first 90 days (Square Free only), 6am–6pm PT M–F (Square Plus only), 24/7 (Square Premium only)	Not published
Incidents posted	14 incidents posted on Block's status page, which covers all Block products and regions, in the 90 days to Oct 27, 2026; 0 marked major or critical by Block. 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	4.6 / 5 from 3,039 reviews	3.8 / 5 from 586 reviews
Trustpilot score	Not listed	1.9 / 5 from 2,215 reviews
Fit: Retail shop	95	82
Fit: Restaurant or café	85	82
Fit: Service business	80	60
Fit: Agency or studio	20	10
Fit: Trades or contractor	60	45
Fit: Online store	55	30
Why people pick it	No monthly fee on the free plan Hardware and software from one vendor Deep accounting integrations	Published rates for each plan $0 software tier and a no-hardware option for services
Where it falls short	Processing fees add up at higher volume Account holds are a common complaint	36-month subscriptions cannot be cancelled Devices work only with Clover processing
	Visit Square POS ↗	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