[Home](https://www.selecthub.com/) \> [POS](https://www.selecthub.com/category/pos/) \> [POS Software](https://www.selecthub.com/c/pos-software/) \> [Clover](https://www.selecthub.com/p/pos-software/clover/) \> Clover vs Stripe Terminal 

# Clover vs Stripe Terminal 

Last Updated: June 8th, 2026 

Our analysts compared [Clover](https://www.selecthub.com/p/pos-software/clover/) vs [Stripe Terminal](https://www.selecthub.com/p/pos-software/stripe-terminal/) based on data from our 400+ point analysis of [POS Software](https://www.selecthub.com/c/pos-software/), user reviews and our own crowdsourced data from our [free software selection platform](https://www.selecthub.com/about/start-free-selection-project-site/?category=POS Software&cta=pos-software). 

[Overview](#product-overview) [Pricing](#product-pricing) [Our Review](#product-analyst-summary) [User Ratings](#user-sentiment-section) [Features](#product-benefits-features) [Analyst Ratings](#analyst-rating-section) [Comparison Charts](#product-comparison-charts) [Screenshots](#product-screenshots) 

Remove Add to Compare 

[![Clover Software Tool](https://cdn.selecthub.com/products/bcc2bdb799f873f02080ae277f291da1-6f5b8e3eb01fc36323561f92d8dbca72/resources/normal/logo.png?1693318429)](https://www.selecthub.com/p/pos-software/clover/)

Remove Add to Compare 

[![Stripe Terminal Software Tool](https://cdn.selecthub.com/products/e6fb52c108655e3dbb47bfeccce12131-eacf331f0ffc35d4b482f1d15a887d3b/resources/normal/logo.png?1693323842)](https://www.selecthub.com/p/pos-software/stripe-terminal/)

[ ![Product Awards](https://www.selecthub.com/display/images/awards_badge.svg) ](#awards-section) 

[Get Free Demo](https://pmo.selecthub.com/get-product-demo/?category=POS+Software&product%5Fname=Clover&product%5Flogo=https%3A%2F%2Fd3uimxdj41cg3o.cloudfront.net%2Fproducts%2Fbcc2bdb799f873f02080ae277f291da1-6f5b8e3eb01fc36323561f92d8dbca72%2Fresources%2Fnormal%2Flogo.png%3F1693318429) [Demo](https://pmo.selecthub.com/get-product-demo/?category=POS+Software&product%5Fname=Clover&product%5Flogo=https%3A%2F%2Fd3uimxdj41cg3o.cloudfront.net%2Fproducts%2Fbcc2bdb799f873f02080ae277f291da1-6f5b8e3eb01fc36323561f92d8dbca72%2Fresources%2Fnormal%2Flogo.png%3F1693318429) [Request Pricing](https://pmo.selecthub.com/get-product-pricing/?category=POS+Software&product%5Fname=Clover&product%5Flogo=https%3A%2F%2Fd3uimxdj41cg3o.cloudfront.net%2Fproducts%2Fbcc2bdb799f873f02080ae277f291da1-6f5b8e3eb01fc36323561f92d8dbca72%2Fresources%2Fnormal%2Flogo.png%3F1693318429&price=1) [Pricing](https://pmo.selecthub.com/get-product-pricing/?category=POS+Software&product%5Fname=Clover&product%5Flogo=https%3A%2F%2Fd3uimxdj41cg3o.cloudfront.net%2Fproducts%2Fbcc2bdb799f873f02080ae277f291da1-6f5b8e3eb01fc36323561f92d8dbca72%2Fresources%2Fnormal%2Flogo.png%3F1693318429&price=1) 

[Get Free Demo](https://pmo.selecthub.com/get-product-demo/?category=POS+Software&product%5Fname=Stripe%2BTerminal&product%5Flogo=https%3A%2F%2Fd3uimxdj41cg3o.cloudfront.net%2Fproducts%2Fe6fb52c108655e3dbb47bfeccce12131-eacf331f0ffc35d4b482f1d15a887d3b%2Fresources%2Fnormal%2Flogo.png%3F1693323842) [Demo](https://pmo.selecthub.com/get-product-demo/?category=POS+Software&product%5Fname=Stripe%2BTerminal&product%5Flogo=https%3A%2F%2Fd3uimxdj41cg3o.cloudfront.net%2Fproducts%2Fe6fb52c108655e3dbb47bfeccce12131-eacf331f0ffc35d4b482f1d15a887d3b%2Fresources%2Fnormal%2Flogo.png%3F1693323842) [Request Pricing](https://pmo.selecthub.com/get-product-pricing/?category=POS+Software&product%5Fname=Stripe%2BTerminal&product%5Flogo=https%3A%2F%2Fd3uimxdj41cg3o.cloudfront.net%2Fproducts%2Fe6fb52c108655e3dbb47bfeccce12131-eacf331f0ffc35d4b482f1d15a887d3b%2Fresources%2Fnormal%2Flogo.png%3F1693323842&price=1) [Pricing](https://pmo.selecthub.com/get-product-pricing/?category=POS+Software&product%5Fname=Stripe%2BTerminal&product%5Flogo=https%3A%2F%2Fd3uimxdj41cg3o.cloudfront.net%2Fproducts%2Fe6fb52c108655e3dbb47bfeccce12131-eacf331f0ffc35d4b482f1d15a887d3b%2Fresources%2Fnormal%2Flogo.png%3F1693323842&price=1) 

### Products Insights 

Overall Rating Comparison 

[ Analyst Rating 73 Detailed Analysis ](#analyst-rating-section) [ User Sentiment ![Great User Sentiment](https://www.selecthub.com/display/images/scores/great.svg) (376 Reviews) ](#user-sentiment-section) 

[ Analyst Rating we're gathering data ](#analyst-rating-section) [ User Sentiment ![Excellent User Sentiment](https://www.selecthub.com/display/images/scores/excellent.svg) (5276 Reviews) ](#user-sentiment-section) 

Price Starts From 

$0.10/Transaction + 2.3% Flat Rate 

[Free Trial is available →](https://pmo.selecthub.com/free-trial/?product%5Fname=Clover&category=POS Software&product%5Flogo=https://d3uimxdj41cg3o.cloudfront.net/products/bcc2bdb799f873f02080ae277f291da1-6f5b8e3eb01fc36323561f92d8dbca72/resources/normal/logo.png?1693318429) 

$0.30/Transaction + 2.7% Flat Rate 

Free Trial is unavailable → 

Pros 

What we like about Clover and Stripe Terminal: 

* Intuitive touchscreen interface lets new employees get up to speed quickly
* Wide app marketplace supports industry-specific integrations like booking and ordering
* Dedicated hardware lineup includes options for various store setups
* Supports offline payments so you can keep taking transactions without internet

* Connects online and in-person payments through one unified Stripe platform
* APIs and SDKs let developers build fully custom checkout flows
* Supports payments across multiple countries without added complexity
* Hardware updates automatically, so you're always on the latest firmware

Cons 

What we dislike about Clover and Stripe Terminal: 

* Transaction fees and plan costs can add up significantly at high volume
* Report customization is limited for businesses with complex analysis needs
* Some features require specific Clover hardware, making switching or upgrading costly
* Advanced features like inventory management and employee roles have a steeper learning curve

* Setup requires coding knowledge, which can be a barrier without a technical background
* Transaction fees can accumulate for high-volume sellers
* Customer support response times can be slow when you need quick help
* No built-in app marketplace means less flexibility for non-developer customization

### Our Review 

**Bottom line:** Clover is the better fit if you want an out-of-the-box POS with hardware options and a large app marketplace. Stripe Terminal makes more sense if you're already using Stripe for online payments and have developers who can build a custom setup.

Clover is built for businesses that want to get running fast. The touchscreen interface is straightforward enough that new employees can learn it in a day, and the app marketplace gives you access to industry-specific tools — things like online ordering for restaurants or appointment booking for salons. It also works offline, so a dropped connection won't stop your transactions.

Stripe Terminal takes a different approach. It's designed for businesses that run online and in-person payments and want to manage both through a single Stripe account. The reconciliation is simpler because everything flows into one dashboard, and the APIs let your developers build checkout flows that match exactly how your business works. You can even enable Tap to Pay on compatible iOS and Android devices.

On pricing, Clover starts at $0.10 per transaction with a 2.3% flat rate, while Stripe Terminal starts at $0.30 per transaction with a 2.7% flat rate. Both are transaction-based with no mandatory monthly fee at entry level, though Clover's higher-tier plans add monthly costs. At high volume, both products' fees can add up, and users of each have flagged this as a concern.

The setup experience differs a lot. Clover is plug-and-play — you pick your hardware, configure your plan, and start selling. Stripe Terminal requires developer resources to get off the ground, which can mean higher upfront costs and time if you don't have that in-house.

If you need a self-contained system with hardware choices and broad app support, Clover fits better. If you're tech-forward, already in the Stripe ecosystem, and want full control over the checkout experience, Stripe Terminal is worth the setup investment.

### Analyst Rating Summary 

Overall Scores 

Based on the research and analysis by SelectHub's team of research analysts, Clover has an analyst rating of 73\. Our analysts are still gathering data for Stripe Terminal. 

73 

we're gathering data

Features Comparison 

**Compliance and Security**  
Safeguard customer payment data and protect your business from costly fines by meeting all industry security and regulatory standards effortlessly. 

67 

we're gathering data

**Customer and Loyalty Management**  
Track customer buying habits and reward frequent shoppers with special deals, encouraging them to keep coming back to your store. 

98 

we're gathering data

**Employee Management**  
Schedule shifts, track hourly performance, and manage staff permissions easily, giving you better control over labor costs and team efficiency. 

60 

we're gathering data

[Show More](#) [Show More](https://pmo.selecthub.com/customize-data/?category=POS Software) 

### Analyst Ratings for Functional Requirements [Customize This Data](#) [Customize This Data](https://pmo.selecthub.com/customize-data/?category=POS Software) 

How Clover compares against the top 11 functional requirements as defined by SelectHub project data. 

Clover Stripe Terminal 

\+ Add Product [\+ Add Product](https://pmo.selecthub.com/customize-data/?category=POS Software) 

Compliance and Security Customer And LoyaltyManagement Employee Management Inventory Management Items And ServiceManagement Payment TransactionsAnd Cash Management POS Hardware Reporting And Insights Sales And MarketingManagement Store Management Types Of POS 67 98 60 59 74 67 81 94 53 44 85 0 25 50 75 100 

Implementation Level of Effort Estimation 

**Tier 1:** Fully/moderately supported out-of-the-box allowing for quick and easy deployment. [Read more](#) 

**Tier 2:** Supported with workarounds or add-ons that may require additional costs. 

**Tier 3:** Requires partner integrations or custom development that is often at an additional cost. 

**Compliance And Security**   
Safeguard customer payment data and protect your business from costly fines by meeting all industry security and regulatory standards effortlessly. 

67%

0%

33%

we're gathering data

N/A

we're gathering data

N/A

we're gathering data

N/A

**Customer And Loyalty Management**   
Track customer buying habits and reward frequent shoppers with special deals, encouraging them to keep coming back to your store. 

100%

0%

0%

we're gathering data

N/A

we're gathering data

N/A

we're gathering data

N/A

**Employee Management**   
Schedule shifts, track hourly performance, and manage staff permissions easily, giving you better control over labor costs and team efficiency. 

40%

0%

60%

we're gathering data

N/A

we're gathering data

N/A

we're gathering data

N/A

**Inventory Management**   
Keep track of what's in stock, automatically reorder low items, and see your most popular products to prevent running out of key sellers. 

33%

0%

67%

we're gathering data

N/A

we're gathering data

N/A

we're gathering data

N/A

**Items And Service Management**   
Organize and update your entire product catalog, including prices and variations, instantly across all selling channels for fast, accurate transactions. 

71%

0%

29%

we're gathering data

N/A

we're gathering data

N/A

we're gathering data

N/A

**Payment Transactions And Cash Management**   
Process all card, cash, and digital payments quickly and accurately, while easily tracking daily deposits and managing your cash drawer balance. 

56%

0%

44%

we're gathering data

N/A

we're gathering data

N/A

we're gathering data

N/A

**POS Hardware**   
Connect all your essential equipment, including receipt printers and card readers, ensuring your checkout process runs smoothly every time you make a sale. 

60%

0%

40%

we're gathering data

N/A

we're gathering data

N/A

we're gathering data

N/A

**Reporting And Insights**   
See a clear picture of your sales, products, and customer trends, enabling you to identify your best opportunities and make smart business decisions instantly. 

88%

0%

12%

we're gathering data

N/A

we're gathering data

N/A

we're gathering data

N/A

**Sales And Marketing Management**   
Run targeted promotions, manage gift cards, and issue discounts easily, helping you to attract new customers and drive more revenue to your business. 

40%

0%

60%

we're gathering data

N/A

we're gathering data

N/A

we're gathering data

N/A

**Store Management**   
Manage multiple store locations, track sales performance across all branches, and control staff access from one central, easy-to-use platform. 

33%

0%

67%

we're gathering data

N/A

we're gathering data

N/A

we're gathering data

N/A

**Types Of POS**   
Choose the right setup for your business, whether you need a mobile device, a countertop terminal, or an all-in-one system for flexible selling. 

75%

0%

25%

we're gathering data

N/A

we're gathering data

N/A

we're gathering data

N/A

**Customize This Data For Your Unique Needs**and compare feature capabilities head-to-head [CUSTOMIZE NOW](#) [CUSTOMIZE NOW](https://pmo.selecthub.com/customize-data/?category=POS Software) 

### Analyst Ratings for Technical Requirements [Customize This Data](#) [Customize This Data](https://pmo.selecthub.com/customize-data/?category=POS Software) 

Implementation Level of Effort Estimation 

**Tier 1:** Fully/moderately supported out-of-the-box allowing for quick and easy deployment. [Read more](#) 

**Tier 2:** Supported with workarounds or add-ons that may require additional costs. 

**Tier 3:** Requires partner integrations or custom development that is often at an additional cost. 

**Integration And Extensibility**   
Connect your current accounting and eCommerce systems seamlessly, making sure all your sales and inventory data is always synchronized and accurate. 

100%

0%

0%

we're gathering data

N/A

we're gathering data

N/A

we're gathering data

N/A

**Requirements Summary**Of typical requirements, 61.5% are fully supported out of the box by Clover including Integration And Extensibility, Customer And Loyalty Management and Reporting And Insights. We are still evaluating data for Stripe Terminal at this time. Stripe Terminal has an analyst rating of and a user sentiment rating of 'excellent' based on 5276 reviews, while Clover has an analyst rating of 73 and a user sentiment rating of 'great' based on 376 reviews. Clover and Stripe Terminal are both SelectHub award-winners. 

### User Sentiment Summary 

Clover has a user sentiment rating of 81 based on 376 reviews. Stripe Terminal has a user sentiment rating of 94 based on 5276 reviews. 

![Great User Sentiment](https://www.selecthub.com/display/images/scores/great.svg) 376 reviews 

![Excellent User Sentiment](https://www.selecthub.com/display/images/scores/excellent.svg) 5276 reviews 

Synopsis 

Evaluating all review platforms, our market analysts have compiled the following user sentiment data. 

81% 

of users recommend this product

Clover has a 'great' User Satisfaction Rating of 81% when considering 376 user reviews from 4 recognized software review sites. 

94% 

of users recommend this product

Stripe Terminal has a 'excellent' User Satisfaction Rating of 94% when considering 5276 user reviews from 2 recognized software review sites. 

User Review Scores 

**FinancesOnline** 

**4.6** (28) 

n/a 

**G2.com, Inc** 

**3.9** (45) 

n/a 

**Software Advice, Inc** 

n/a 

**4.68** (2586) 

**Capterra Inc** 

**4.0** (294) 

**4.7** (2690) 

**TrustRadius** 

**4.4** (9) 

n/a 

### Awards 

SelectHub awards earned by these products based on a comprehensive analysis by our research analysts. 

No awards.

Stripe Terminal stands above the rest by achieving an ‘Excellent’ rating as a User Favorite. 

![User Favorite Award]()

### Product Assistance 

Training Resources 

Documentation

In Person

Live Online

Videos

Webinars

Documentation

In Person

Live Online

Videos

Webinars

Support 

Email

Phone

Chat

FAQ

Forum

Knowledge Base

24/7 Live Support

Email

Phone

Chat

FAQ

Forum

Knowledge Base

24/7 Live Support

### Product Basics 

Company Size 

i 

Small

Medium

Large

Small

Medium

Large

Platforms Supported 

Windows

Mac

Linux

Android

Chromebook

Windows

Mac

Linux

Android

Chromebook

Deployment Supported 

Cloud

On-Premise

Mobile

Cloud

On-Premise

Mobile

Comparison of Top Alternatives 

[Clover Alternatives ](https://www.selecthub.com/pos-software/clover/alternatives/) 

[Stripe Terminal Alternatives ](https://www.selecthub.com/pos-software/stripe-terminal/alternatives/) 

### Screenshots 

![Screenshots]()![Screenshots]()![Screenshots]()![Screenshots]()![Screenshots]() 

![Screenshots]()![Screenshots]() 

### Key Features 

* **App marketplace** – Connects to a wide range of third-party apps so you can add industry-specific tools like online ordering, appointment booking, or loyalty programs without custom development.
* **Offline payment support** – Keeps accepting card transactions when the internet goes down and syncs everything once connectivity comes back.
* **Inventory management** – Tracks stock levels in real time, sends alerts when items run low, and lets you generate purchase orders directly from the system.
* **Employee management** – Tracks hours, assigns role-based permissions, and supports payroll management across your team.

* **Stripe ecosystem integration** – Pulls online and in-person transactions into a single Stripe dashboard, which simplifies reconciliation and gives you a full view of revenue across channels.
* **Developer SDKs** – Offers iOS, Android, and JavaScript SDKs so developers can build custom checkout flows, branded receipts, and deep integrations with existing systems.
* **Global payment support** – Accepts payments in over 135 currencies and supports contactless, chip, and mobile wallet options across multiple countries.
* **Automatic updates** – Pushes software and firmware updates automatically, so the hardware stays current without manual maintenance.

### Top Alternatives in POS Software 

[  Bindo ](https://www.selecthub.com/p/pos-software/bindo/) [  Epos Now ](https://www.selecthub.com/p/pos-software/epos-now/) [  Erply ](https://www.selecthub.com/p/retail-pos-systems/erply/) [  Helcim ](https://www.selecthub.com/p/pos-software/helcim/) [  Hike POS ](https://www.selecthub.com/p/retail-pos-systems/hike-pos/) [  KORONA POS ](https://www.selecthub.com/p/pos-software/korona-pos/) [  Lightspeed ](https://www.selecthub.com/p/pos-software/lightspeed/) [  Lightspeed Retail ](https://www.selecthub.com/p/retail-pos-systems/lightspeed-retail/) [  MICROS ](https://www.selecthub.com/p/pos-software/micros/) [  NCR Voyix ](https://www.selecthub.com/p/restaurant-management-software/ncr-voyix/) [  PHP POS ](https://www.selecthub.com/p/retail-pos-systems/php-pos/) [  Rain POS ](https://www.selecthub.com/p/retail-pos-systems/rain-pos/) [  Revel POS ](https://www.selecthub.com/p/restaurant-pos-systems/revel-pos/) [  Shopify POS ](https://www.selecthub.com/p/pos-software/shopify-pos/) [  SpotOn ](https://www.selecthub.com/p/pos-software/spoton/) 

### Related Categories 

Clover and Stripe Terminal can also be found with other leading products in these categories: 

[Equipment Rental Software ](https://www.selecthub.com/c/equipment-rental-software/) 

[Restaurant POS Systems ](https://www.selecthub.com/c/restaurant-pos-systems/) 

Show more 

[Restaurant POS Systems ](https://www.selecthub.com/c/restaurant-pos-systems/) 

Show more 

### Head-to-Head Comparison 

![Clover Software Tool]() 

![Bindo Software Tool]() 

[Clover VS Bindo](https://www.selecthub.com/pos-software/clover-vs-bindo/) 

![Clover Software Tool]() 

![Erply Software Tool]() 

[Clover VS Erply](https://www.selecthub.com/pos-software/clover-vs-erply/) 

![Clover Software Tool]() 

![KORONA POS Software Tool]() 

[Clover VS KORONA POS](https://www.selecthub.com/pos-software/clover-vs-korona-pos/) 

![Clover Software Tool]() 

![Lightspeed Software Tool]() 

[Clover VS Lightspeed](https://www.selecthub.com/pos-software/clover-vs-lightspeed/) 

![Clover Software Tool]() 

![Lightspeed Retail Software Tool]() 

[Clover VS Lightspeed Retail](https://www.selecthub.com/pos-software/clover-vs-lightspeed-retail/) 

![Clover Software Tool]() 

![MICROS Software Tool]() 

[Clover VS MICROS](https://www.selecthub.com/pos-software/clover-vs-micros/) 

![Clover Software Tool]() 

![PHP POS Software Tool]() 

[Clover VS PHP POS](https://www.selecthub.com/pos-software/clover-vs-php-pos/) 

![Clover Software Tool]() 

![Rain POS Software Tool]() 

[Clover VS Rain POS](https://www.selecthub.com/pos-software/clover-vs-rain-pos/) 

![Clover Software Tool]() 

![Shopify POS Software Tool]() 

[Clover VS Shopify POS](https://www.selecthub.com/pos-software/clover-vs-shopify-pos/) 

![Clover Software Tool]() 

![SpotOn Software Tool]() 

[Clover VS SpotOn](https://www.selecthub.com/pos-software/clover-vs-spoton/) 

![Clover Software Tool]() 

![Square POS Software Tool]() 

[Clover VS Square POS](https://www.selecthub.com/pos-software/clover-vs-square-pos/) 

![Clover Software Tool]() 

![Toast Software Tool]() 

[Clover VS Toast](https://www.selecthub.com/pos-software/clover-vs-toast/) 

**About SelectHub (and our data)** 

We’re the employee-owned Austin-based startup democratizing software data so you can make your decisions in an influence-free zone. Our market data is crowdsourced from our user-base of 100,000+ companies.

WE DISTILL IT INTO REAL REQUIREMENTS, COMPARISON REPORTS, PRICE GUIDES and more...

![SelectHub Products Reporting and Analytics]() 

[Build Your Requirements](https://pmo.selecthub.com/pos-software-requirements-onsite/)

![SelectHub Products Cost and Pricing Guide]() 

[Get Your Free Comparison Report](https://pmo.selecthub.com/request-custom-scorecard/?category=POS%20Software)

**Tier 1:**  
Fully/moderately supported out-of-the-box allowing for quick and easy deployment.  
Fully or moderately supported out-of-the-box with industry-leading capabilities and is immediately available after installation without needing any add-ons, integrations, or custom development. 

**Tier 2:**  
Supported with workarounds or add-ons that may require additional costs.  
Not directly available in the software, but can be accomplished using other built-in features, workarounds, or add-ons/products from the vendor with or without any additional cost. 

**Tier 3:**  
Requires partner integrations or custom development that is often at an additional cost.  
Requires additional integrations, plugins, marketplace applications from a third-party vendor, or custom development using the APIs, libraries, extensions, and development framework supported by the software, with or without any additional cost. 

[Close](#)

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