SumUp vs Clover
Two point of sale tools side by side. Prices are the starting plan a small business would pick, in USD.
Short version
Clover fits restaurant or café.
SumUp fits service business, trades or contractor.- Clover suits teams past ten people.
| Compare | SumUpSumUp | CloverClover Network (Fiserv) |
|---|---|---|
| In one line | Card reader and free POS app for low-volume sellers | 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 | $300/mo | $300/mo |
| Plans | Free app, $0/mo; POS Plus $49/mo; SumUp POS from $99/mo; in-person 2.6% + 10¢; online or keyed 3.5% + 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 | No others on record |
| Team size | Just me · 2–10 people | 2–10 people · 11–50 people |
| Available in | US · UK | US · CA · AU |
| Phone support | Plans not stated (US); plans not stated (UK) | Plans not stated |
| Live chat | Plans not stated (UK) | Not looked up yet |
| Support hours | Phone: POS & Loyalty: 9AM - 9PM ET 7 days per week, Card readers: 10AM - 7PM ET Mon. - Fri. | Not published |
| Incidents posted | 11 incidents posted on SumUp's status page, which covers all SumUp products and regions, in the 90 days to Oct 27, 2026; 5 marked major or critical by SumUp. 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 | 4.8 / 5 from 17 reviews (few reviews) | 3.8 / 5 from 586 reviews |
| Trustpilot score | 4.2 / 5 from 60,405 reviews | 1.9 / 5 from 2,215 reviews |
| Fit: Retail shop | 78 | 82 |
| Fit: Restaurant or café | 50 | 82 |
| Fit: Service business | 75 | 60 |
| Fit: Agency or studio | 15 | 10 |
| Fit: Trades or contractor | 72 | 45 |
| Fit: Online store | 30 | 30 |
| Why people pick it |
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| Where it falls short |
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| Visit SumUp | 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
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