Menu

Discover

All Providers Compare Use Cases Find Your Provider

Solutions

Connect License Watch MCP Partnership Claim Listing Get Listed Verified Listings Pricing

Resources

Blog About Contact
Log in Join free
Clover

Clover

Retail & restaurants

VS

Affirm

Installment Loans

Affirm
Fees from
2.3-2.6% + $0.10 vs ~6% + $0.30
Features

0 shared

1 unique to Clover · 1 unique to Affirm
Regions

2 shared

Pay methods

1 shared

6 unique to Clover · 4 unique to Affirm
On region

Both cover 2 regions. Verify directly with each provider before signing.

Want a personalized shortlist? Get matched
2-minute quiz

Still deciding? Find your perfect match.

Answer a few questions about your business type, volume, and must-have features. We'll recommend the best provider for your specific needs.

Find my match

Free. Takes 2 minutes. No account required.

For developers · MCP

Tired of clicking around? Use our MCP.

Point Claude, ChatGPT, or Cursor at our endpoint. compare_providers returns the same data — in one tool call. Free preview, no API key.

See how it works
Show full specs
2 features · 11 payment methods · 2 regions. We don't rank these — they're here for reference.
Clover Clover
Affirm Affirm
Quick Facts
Fees
Standard transaction rate
2.3-2.6% + $0.10
~6% + $0.30
Settlement
Time to receive funds
1–2 business days
1–3 business days
Founded
2012
2012
Headquarters
Sunnyvale, California, United States
San Francisco, California
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Recurring Payments Unique
—
✓
Startup Friendly Unique
✓
—
Payment Methods
Clover leads (7 vs 5)
Affirm Unique
—
✓
Amex Unique
✓
—
Apple Pay
✓
✓
Bnpl Unique
—
✓
Debit Card Unique
—
✓
Discover Unique
✓
—
Gift Card Unique
✓
—
Google Pay Unique
✓
—
Installments Unique
—
✓
Mastercard Unique
✓
—
Visa Unique
✓
—
Regions
Europe
✓
✓
North America
✓
✓

Clover is best when you...

Retail & restaurants
Need Startup Friendly
Not available with Affirm
View Clover

Affirm is best when you...

Installment Loans
Need Recurring Payments
Not available with Clover
View Affirm

Frequently Asked Questions

What is the difference between Clover and Affirm?
They share 1 payment method and 2 regions. Clover adds Amex, Discover, Gift Card and 3 more that Affirm does not list; Affirm adds Affirm, Buy Now Pay Later, Debit Card and 1 more that Clover does not list; only Clover offers Startup Friendly; only Affirm offers Recurring Payments.
Which is cheaper, Clover or Affirm?
Clover has published rates from 2.3-2.6% + $0.10; Affirm has published rates from ~6% + $0.30. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Clover and Affirm?
Clover lists 2 regions and 7 payment methods; Affirm lists 2 and 5. both cover Europe, North America. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do Clover and Affirm compare on integration and settlement?
both offer a sandbox; both support webhooks; Clover settles in 1–2 business days, Affirm in 1–3 business days.

Are you Clover or Affirm?

Claim your profile to update information, respond to comparisons, and access visitor analytics.

Claim this profile
Compare Other Providers

Data on this page is indicative and may be out of date — always verify fees, coverage, and terms directly with each provider before signing. Comparisons are generated from published data and provider-submitted updates; they are information, not advice or an endorsement. Some outbound links may earn us a referral commission — commissions never influence scores or rankings.

See something wrong? Report inaccurate info →