Clover vs Square

Clover and Square both combine payment hardware with business software. Clover publishes UK device and software plans, so it should not be treated as a single reseller-only offer. For either provider, compare the exact supplier, plan, devices and processing agreement you would buy.

Consideration	Clover	Square
Software pricing	Published UK plans; check features and extra-device fees	Free, Plus or Premium plans; check the required features
Processing	Obtain the processing quote alongside the software plan	Check rates for each payment channel and any custom quote
Hardware	Confirm the model, ownership or rental and support	Confirm the model, purchase cost and support
Commitment	Read the specific supplier and product terms	Read paid-plan, hardware and processing terms
Decision test	Demonstrate the actual retail or hospitality workflow	Demonstrate the actual retail or hospitality workflow

Separate three costs: software, hardware and payments

A monthly POS plan is not necessarily the complete cost of taking cards. Request a breakdown of software, every device, processing and optional applications. For more than one checkout, establish whether software or service fees increase per device or location.

For hospitality, demonstrate a full shift

Ask the supplier to show the jobs you actually need: opening tabs, splitting a bill, moving tables, tips, kitchen printing and refunds. Do not assume all functions are included in an entry-level plan. For retail, use your own stock, returns and reporting requirements for the demonstration instead.

Check the supplier and exit route

Keep the offer, processing terms and equipment agreement together. Identify who supplies support and what happens if you stop using the software or change processor. Compare any migration, replacement hardware and remaining commitments with the proposed ongoing saving.

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Sources and checks

Public information checked 2026-10-11. This is a practical comparison guide, not a personalised quote. Your product, sales channel and existing agreement may have different terms.

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