Clover POS Avaliações 

I am extremely disappointed with my experience with this company. At this point, my biggest concern is not simply the $400 I have lost — it is the company's integrity and the way commitments made to customers are handled.

My relationship with this company began when someone from Flushing Bank introduced me to one of your representatives. Because I trusted Flushing Bank, I also chose to trust a representative from your company whom I had never met before.

Before I signed up, your representative told me that I was required to pay $400 upfront for the equipment in order to start the service, and that I had no other option. However, he specifically assured me that I did not need to worry about the $400 because it would be deposited back into my processing account within 30 days after I started using the service.

We also discussed the processing terms. At no point did he disclose that there would be an additional $0.25 fee for every transaction.

When I received my first monthly statement, I noticed the $0.25 per-transaction charge. I also realized that the promised $400 refund had never been deposited into my account.

I contacted the original representative. Instead of giving me a clear explanation, he suddenly seemed confused about both issues. He told me he would speak with his supervisor about removing the $0.25 transaction fee and would also follow up on the $400 refund.

After that, I heard nothing.

I then called the company directly. The first representative I spoke with told me that the $400 equipment refund actually takes three months, not 30 days as I had originally been promised.

Fine. I waited three months.

Three months passed, and I still did not receive the $400.

I called again. Once again, I could not get a clear explanation or a meaningful resolution.

In total, I have called this company three times, in addition to contacting the original representative. Not one person has taken responsibility for resolving the issue or ensuring that the commitment made to me was honored.

What concerns me most is the pattern: one promise is made before you become a customer, a different explanation is given afterward, and when you try to get the issue resolved, no one seems willing or able to take responsibility.

That is why I have completely lost trust in this company.

This is not simply about $400. For a company that processes other people's money, integrity, transparency, and accountability should be fundamental. Based on my personal experience, I do not feel that I received any of those.

I was promised that my $400 would be returned. It has not been returned. I was not told about the additional $0.25-per-transaction fee before signing up. And despite repeatedly contacting the company, the issues remain unresolved.

I no longer want to do business with a company that I cannot trust with my money or its promises.

I am posting this review so that other small-business owners can ask very specific questions, get every fee and every promise in writing, and carefully review all terms before signing up.

I spent 4 hours on customer service today with clover trying to troubleshoot my Clover mini POS system. Not only were they completely unhelpful they misdirected me through their help system 3 separate times as I had to talk with different folks about tech issues, PCI compliance and purchasing a new clover device. In the end of all this I was told I had to order a new Clover mini for $750 to replace the one I had just purchased a year and a half ago. Tonight after doing some of my own trouble shooting I've identified the issue as one of the Clover supplied cables. So a long day and I have nothing good to say about their tech support or any of the folks they have providing support to customers- completely useless.

Clover decided to stop servicing our 4 year old Clover POS system, so they required us to purchase a new system for $4,400. The "new system" had to be purchased as a whole. The cash drawers and printers were identical, So now I have 2 extra cash drawers and 2 extra printers that I don't need.
Plus the transfer from the old system to the new system could have/should have been a lot smoother.

I sold my practice and need to terminate the account. My bitter divorce was easier than dealing with these incompetent bozos. They've passed me on from department, for a WEEK. Horrible. Just horrible.

At the end of the month with salaries payable this Friday plus payments to key suppliers and rent also falling due, Clover have withheld over £32000 (yes, 32 THOUSAND) of funds due to us. They cite a variety of reasons, all of them spurious, such as that our bank rejected the incoming funds. Having spent about six hours attempting to establish facts, an email was sent mid-afternoon advising our account settings have been returned to "normal" without giving the reason why they changed over a 24 hour period, and casually informing us that a BACS payment "has been requested" and that we should receive payment in about eight days' time. No offer to make a Faster Payment. No admission that this could potentially cause serious, long-lasting financial harm to people's lives: one senior member of staff has a mortgage payment due which they will not be able to honour as we shall not have sufficient funds to pay their salary (first time we shall be unable to meet our commitment to our employees in almost 30 years of trading). And no acknowledgment of the imminent massive, multi-faceted impact to our business, its ability to trade, buy stock or maintain its reputation.
Be warned: you and your business may be destroyed.

I recently accepted funding through Clover Capital, and after seeing the repayment terms in practice, I am extremely disappointed.

Clover is taking 25% of my daily sales toward repayment. For a small business, that is an enormous amount of cash flow to lose every single day.

What concerns me even more is the fine print regarding returning the funds. My understanding of the agreement is that if you decide very shortly after receiving the money that you don’t want the funding and attempt to return it, you can still be responsible for the entire agreed-upon repayment amount, even if you’ve only had the funds for a matter of days. Meaning on a 9,750 aka loan with a flat fee of 3,970. You are still responsible for paying both of these amounts to Clover Capital.
I have never personally encountered financing structured this way, and I believe business owners should understand these terms before accepting the money, rather than discovering how expensive the arrangement can be afterward.

Clover may call this an advance rather than a traditional loan, but that distinction doesn’t change the impact that a 25% daily withholding can have on a small business’s cash flow.

Based on my experience, I would not recommend Clover Capital to other small-business owners without carefully reading every term of the agreement first. I personally will not be using Clover Capital again and am reconsidering my future business relationship with Clover.

Small-business owners need financing that helps their cash flow not financing that puts such a significant strain on it.

I have been trying to cancel my account with Clover for over a month, if you call you are honestly on hold for over an hour . If you chat they cant help you and say you must call and of course no one answers the call and you are again on hold for an hour. I would definitely say this is the worst customer service I have had with any service provider. My rep is hard to get ahold of and really has been no help either.

Clover is a scam. They are constantly charging fees that are unknown to the client. I canceled my services and then started getting withdrawals from my bank account because I did not stay up-to-date with the required online learning that you have to do as part of your services. No charges were made equipment was returned, but yet a year later, I am being charged services that I don’t even use. When I called to try to get it squared away representatives were very rude and said you should’ve read the fine print. I would not ever recommend clover I have used square and go daddy with no additional fees and much better customer service. Stay away from this company if at all possible.

After reading the negative reviews I have to agree with all of the negative comments, as I am experiencing the same issue.......On hold for hours on end, no notes of conversations, hung up on, transferred multiple times. I told my family do not use this portal until the dust settles. I changed bank accounts and they got the new account fine, but RAPID DEPOSITS has to be logged in differently and handled as a completely separate transaction but no one explained that to us. Now we have 7k just sitting for days, waiting for the escalation team to approve it.

Shockingly poor. I have initiated a formal complaint. Next step FCA.

📣📣🚨🚨CLOVER.com UPDATE:

So….. 48hrs after my Clover debacle post, an “Escalation Specialist (Vicky) called me. My request was for a Manager to call me back but, tomato/toe-mot-tow. Vicky apologizes profusely and ADMITS that this was ALL CLOVER’s FAULT😳

…be right back, gotta go make myself a cup of tea…

Ok, so Vicky advises me that they have a problem and my Clover Flex hand held POS device somehow got in it. …let’s pause while I take a sip of tea.

Ok, how are we going to fix this Vicky?

Vicky advises me that they have a whole technical team working on why their system won’t let anyone remove the programming that says I have an active Verizon SIM card connected to my Clover device and until they fix this, I’ll keep getting billed $36 for Cellular Data. She did say once they resolve the issue, they will go back and refund me for each month I was billed.
…sip of tea needed because much to my chagrin, she should have saw on my account that I call EVERY month since September 2025 to get the billed $36 refunded.

I have so many thoughts on how this can be resolved but do not share because at this point common sense is NOT prevailing on Clover’s end. Why doesn’t she set a tasker so that each month someone goes into my account and removes the $36 charge or issue a $36 credit PRIOR to sending my bill out????? …and let’s not even address the time I’m losing trying to get this resolved since Sept 2025!!!! Nobody’s addressed that. I’m so exhausted from dealing with this.

Hey entrepreneurs out there, if you’re happy with your POS provider please comment/share the name.

Thanks! …I think.

The clover system itself is amazing, loved it.
The third party companies who use clover for their processing, not so great.

They promise that we would have reports to reconcile our daily sales then make an update to take away the details of the report. Now we spend way more time drilling into each transaction to find the details that were in one convenient report. The Clover customer support is zero help and rude, repeating scripted answers.

The leasing and merchant services are set up as different companies so if you cancel or they decide to punt you, you still owe them. Be wary if they offer you free stuff because they hide it down the way so when you cancel and then you are screwed

Clover’s Sales agents Samuel Elliot, Anthony (Miami) are rude, dishonest and manipulative. They hung up on me and Samuel told me Company doesn’t want to accept my business because I asked if they can lower fees. When I said “Can you make such derogative decision on your own?” He hung up on me, prior to that he hung up too. It’s a shame their agents are extremely shady, unprofessional and rude!
Sales agents give completely different Transaction fee rates, equipment prices, it all depends who you get. There’s absolutely zero consistency, transparency. They also say one thing but do completely different. How can a Company allow this? If they act like this from the start that just shows why their overall Ratings is 2.3 stars. Stay away from Clover

Our business at a very poor experience with clover. We signed up through our local bank in 2020. Clover says that we requested an upgrade on our Equipment in 2023, thus the payments toward the hardware evaporated and started all over on new equipment. They said they did something similar to a telephone upgrade, but we did not approve this, and feel we have been charged fraudulently by clover. Then when our business closed due to retirement at the end of April, they continue to charge us every month for continued services, even though we no longer occupied the building. The new owner did not wish to continue service with Clover and inform them, but never ended the service. Clover informed them that the hardware needs to be returned, and the message was passed on to me, and I returned everything, but they’re still trying to repeatedly charge charge charge charge charge. I’ve been retired from there for four months now. The account is closed. But they are still trying to charge me a rental fee on an upgrade type device. I feel like they have been very dishonest. DO NOT USE CLOVER. SELECT A COMPETITOR OR EXPECT ABYSMAL CUSTOMER SERVICE AND THEFT IF YOU GIVE THEM YOUR CREDIT CARD NUMBER.!!!!!!!’nnnn

We used Clover at our business for several years, and it felt like every couple of years we were pushed into buying the "latest and greatest" machine. We recently switched to a new point-of-sale system that uses a different processor, and when I called to cancel, I was told I’d have to pay more than $1,900 just to end the service and return the machine. That’s absolutely ridiculous.

To make matters worse, our costs went up every single year. Based on our experience, I would strongly recommend steering clear of Clover.

The only reason they still exist is because they are one of the only POR systems that has an independent internet connection that's mostly reliable. Otherwise, they are way too expensive, overly complicated, and have a horrible website. Nothing can actually be accomplished successfully online and it typically takes multiple calls to various geographies to solve something as simple as changing a bank number. "Blue Ocean" opportunity for another company to pick up their business.

1-Star Review

My experience with Clover, First Data (Fiserv), and the leasing process has been one of the worst business experiences I’ve had.

I sent five official written cancellation emails before the effective date of the agreement. My merchant account was acknowledged as cancelled without penalty, yet the equipment lease was transferred without my knowledge or consent.

I never processed a single transaction through the account. The equipment was returned, but I have continued to be charged even after returning it. Despite providing documentation of my cancellation requests and the returned equipment, I have spent months trying to resolve this issue.

Instead of honoring my timely cancellation, I have been passed between different departments, received inconsistent information, and have had to deal with ongoing billing and collection issues for equipment and services I never used.

As a small business owner, I expected transparency, honesty, and respect for written cancellation requests. My experience was the opposite.

If you are considering Clover, First Data, Fiserv, or their leasing program, I strongly recommend:

* Get every promise in writing.
* Read every document carefully before signing.
* Keep copies of all emails and correspondence.
* Make sure you understand exactly how the equipment lease works and whether it is separate from the merchant services agreement.

Based on my personal experience, I cannot recommend doing business with this company.

Absolutely horrible company, they said it would only take 10 minutes and that there wasn’t information I needed to gather, 3 days lates we still haven’t got approved to process cards, could of done it by now with another company, clover wanted a lot of information including website, advertising we use where we sell , and detail of every product