Clover vs. PayPal Payments Pro

Overview
ProductRatingMost Used ByProduct SummaryStarting Price
Clover
Score 6.9 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
PayPal Payments Pro
Score 8.3 out of 10
N/A
PayPal Payments Pro is an enterprise-class ecommerce payment solution, that provides payment processing security to build a professional-grade ecommerce site. It can be configured to meet business needs and works across devices. Users can tap into over 390 million active customer accounts around the globe.
$0.02
per transaction
Pricing
CloverPayPal Payments Pro
Editions & Modules
Subscription
$9.95
per month
QR code Transactions
1.90% + fixed fee
per transaction
Charity Transactions
2.20% + fixed fee
per transaction
Commercial Transactions - In-Store
2.70% + fixed fee
per transaction
Commercial Transactions - Online
2.90% + fixed fee
per transaction
PayPal's pay later offers
2.90% + fixed fee
per transaction
Venmo
2.90% + fixed fee
per transaction
Offerings
Pricing Offerings
CloverPayPal Payments Pro
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
CloverPayPal Payments Pro
Small Businesses
Square POS
Square POS
Score 9.1 out of 10
Apple Pay
Apple Pay
Score 9.0 out of 10
Medium-sized Companies
Epicor Eagle
Epicor Eagle
Score 8.3 out of 10
Apple Pay
Apple Pay
Score 9.0 out of 10
Enterprises

No answers on this topic

Adyen
Adyen
Score 8.8 out of 10
All AlternativesView all alternativesView all alternatives
User Ratings
CloverPayPal Payments Pro
Likelihood to Recommend
9.1
(12 ratings)
8.2
(73 ratings)
Likelihood to Renew
10.0
(1 ratings)
-
(0 ratings)
Usability
9.3
(3 ratings)
-
(0 ratings)
Support Rating
5.2
(6 ratings)
2.3
(9 ratings)
User Testimonials
CloverPayPal Payments Pro
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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PayPal
Paypal is great for personal payments as well as business payments for ecommerce of for paying monthly memberships. It is a user friendly software that needs little expertise to get used to. For larger payments, the fees become high therefore it is more suitable for payments of upto few hundred dollars.
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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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PayPal
  • PayPal offers me the option of converting my currency deposited in my account to another currency, so I can complete all kinds of payments and send money to employees who are in another country for business reasons.
  • The mobile phone application is too fast, I can make payments to my employees in a matter of seconds without having to wait for the web version to load.
  • Scheduled payments are great. PayPal allows me to add a list of contacts to my PayPal Business account, and after adding the contacts, I can schedule payments for a specific day and time. It's easier to make automated payroll payments with PayPal.
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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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PayPal
  • Sometimes the UX flow would not deliver the customer back to our site, leaving orders in limbo "Pre-approved" status. The customer would call days later asking why we hadn't shipped it.
  • The PayPal logo on the checkout page can be kind of large and obtrusive.
  • They mention new features and programs on their login page, but it's hard to find any details on them deeper in the software.
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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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PayPal
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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PayPal
Customer service representatives were unable to explain why customer in Australia were unable to make payments using our link. It turned out that customers in Australia must create an account. PayPal's user interface did not reveal this to our customers in Australia. There was plenty about this issue appearing in online forums and PayPal customer service couldn't explain this. This change in PayPal's usability happened between April and May of 2021 and was done without notice to vendors (like us).
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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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PayPal
I don't think there's really any competition here. There's Venmo (also owned by PayPal) who is now offering business accounts, but it still isn't quite the same. The closest thing in terms of ease of use would be Apple Pay or Google Pay (and there are a handful of others out there, but we offer Apple and Google Pay). As a business, I prefer Apple or Google Pay to PayPal Payments, but we offer either Google or Apple Pay, PayPal, and credit card options and PayPal is always right up there with credit cards. I don't foresee us ever getting rid of PayPal Payments as an option, but we do try to only offer it on request for higher ticket items or high dollar installment purchases.
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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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PayPal
  • Our daily revenue has been increased when started PayPal Payments as the payment gateway.
  • Refund rate and recurring revenue is stable and disputes are handled properly.
  • Forex Fluctuations is controlled and solved the buying experience for few users.
  • Solved problem for different currencies and retained our users.
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ScreenShots