Clover vs. Wise

Overview
ProductRatingMost Used ByProduct SummaryStarting Price
Clover
Score 8.1 out of 10
N/A
Clover Networks, a First Data company (merged with Fiserv July 2019) offers a modular suite of Point of Sale systems (PoS) for restaurant and retail. This modular suite features fixed PoS stations, a customer loyalty program and gift card, an analytics module, as well as a mobile point of sale that Iplugs into the users smartphone and tablet to accept secure credit card swipes, as well as dips and taps like Apple Pay®, Samsung Pay™ and Android Pay™.
$9.95
per month
Wise
Score 9.2 out of 10
N/A
Wise, formerly TransferWise, from the company of the same name headquartered in London, provides international accounts and payment solutions for businesses. Wise helps businesses pay international invoices, vendors, and employees with the real exchange rate, in 80 countries, boasting cheaper rates than traditional banking options. It also helps to make faster, lower-cost payouts to all business customers, freelancers, employees, investors, and suppliers around the world.
$0.41
one-time fee
Pricing
CloverWise
Editions & Modules
Subscription
$9.95
per month
ATM Fees over 100 USD per month
2%
One time/%
Accounting Funding transactions
2%
One time/%
Receiving USD wire payments
4.14 USD
One time/%
Getting the Wise Debit card
5 USD
One time/%
Getting account details in 10 currencies
31 USD
One time/%
Sending money
From 0.41%
One time/%
Converting money
From 0.41%
One time/%
Offerings
Pricing Offerings
CloverWise
Free Trial
NoNo
Free/Freemium Version
NoNo
Premium Consulting/Integration Services
NoNo
Entry-level Setup FeeNo setup feeNo setup fee
Additional Details——
More Pricing Information
Best Alternatives
CloverWise
Small Businesses
Square POS
Square POS
Score 9.9 out of 10
Square Invoices
Square Invoices
Score 9.2 out of 10
Medium-sized Companies
Epicor Eagle
Epicor Eagle
Score 8.6 out of 10
Apple Pay
Apple Pay
Score 9.3 out of 10
Enterprises

No answers on this topic

Adyen
Adyen
Score 8.6 out of 10
All AlternativesView all alternativesView all alternatives
User Ratings
CloverWise
Likelihood to Recommend
9.1
(12 ratings)
9.0
(24 ratings)
Likelihood to Renew
10.0
(1 ratings)
-
(0 ratings)
Usability
9.3
(3 ratings)
-
(0 ratings)
Support Rating
5.2
(6 ratings)
10.0
(1 ratings)
User Testimonials
CloverWise
Likelihood to Recommend
Fiserv
Clover is well suited for high-volume environments where quality and dependability are paramount. The hardware can scale easily and always looks good on the counter. I have even seen Clover hardware used in small mom-and-pop type stores. The ability to swing the monitor around for signature is really nice. Customers appreciate the ease of use. The stations we have to use nice large bright screens. Not familiar enough with the Clover product line to know if the smaller screen sizes are available for applications where space is a concern.
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TransferWise
For a small business looking to expand internationally, transferwise offers lower admin fee and no hidden fee which is very important. It also remove the hassle and headache of setting up accounts with the local banks. Other than the low fees, the best part is we can use transferwise safely with a peace of mind as it is being regulated by the MAS. Lastly, any small business can set up their transferwise account within minutes which is very convenient
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Pros
Fiserv
  • BluePay has been very responsive when we've had questions and gone out their way to make sure that users understand the answers that are given.
  • During our cut over to BluePay we found that there were reports that our users were used to having that didn't have an equivalent on BluePay's site. Our account rep went above and beyond to make sure that our users had the information that they needed by having custom reports sent on the schedule that we determined.
  • Overall our interchange rates are much lower with BluePay than they were with our previous gateway provider.
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TransferWise
  • Quick - because funds are transferred domestically, even when going international, you don't have to wait long.
  • Easy - the printout of what information I needed to give the sending bank was complete and easy to understand.
  • Affordable - the fees on both ends were minimal.
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Cons
Fiserv
  • Focus functionality on retail use and not broad based with focus on food services
  • Build a turn table into the countertop unit so both the employee and customer can use the tablet
  • Offer color choices in units (white is not always friendly with long term use)
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TransferWise
  • For large money transfers, the tax is a bit expensive so it would be nice if that was adjusted or if there was some economy of scale.
  • Ability to schedule recurring transfers could be useful.
  • Be able to transfer money by using a mobile phone number, like with Mobile Pay or Bizum, when the sender and receiver of the money are in different countries.
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Usability
Fiserv
There are numerous aspects to Clover's usability: the usability of their point of sale systems, the usability of their CRM and web dashboards, and the technical side of integrating with other third-party services. All are top tier. Clover's usability is excellent and I have never had a problem figuring out how to use their services at any level. The POS system has a very low barrier to entry and an easy learning curve for newcomers.
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TransferWise
No answers on this topic
Support Rating
Fiserv
We rarely have problems, but when we do, they are major and the system becomes unusable. While Customer Support does eventually respond and fix the issue, they can take a long time. If a major problem occurs on a weekend during the dinner rush, it can be catastrophic to sales and customer returns.
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TransferWise
We haven't really had to engage with TransferWise support. The platform is simple and easy to use.
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Alternatives Considered
Fiserv
None are available on the list. Clover competes with HotSauce, Paradise, Poynt, and many more POS systems. We easily sell Clover more than anything else and everyone loves it. It's easily one of the best products I've seen since I have been in integrations. The sales managers love it, our sales reps love it, and most importantly our merchants love it.
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TransferWise
We considered PayPal payment, ACH bank transfer, and simply mailing a check. TransferWise's fees were much lower than PayPal and our bank. Postage might have been less than TransferWise's fee, but payment could have taken more than a week rather than hours (or days in the case of a new payee).
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Return on Investment
Fiserv
  • Definitely makes us look more professional, and we are able to handle products much smoother and faster
  • The reporting allows us to see what is really selling and how much money we have actually made, which is also great, especially when you are selling things you have made or grown because you may not always have an inventory, but you can tell how much you've sold.
  • We can't pause the fees for the "off-season," so it definitely is wasted money during those times.
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TransferWise
  • We can save around 5% on our transfer fees
  • The online account management is easier than going into banks personally
  • There's no negative impact...
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ScreenShots