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Clover

Clover

Retail & restaurants

VS

Banking Circle

Financial Institution Infrastructure

Banking Circle
Fees from
2.3-2.6% + $0.10 vs Per-transaction
Features

0 shared

1 unique to Clover · 3 unique to Banking Circle
Regions

2 shared

3 unique to Banking Circle
Pay methods

0 shared

7 unique to Clover · 5 unique to Banking Circle
On region

Banking Circle covers 5 regions; Clover covers 2. Verify directly with each provider before signing.

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Show full specs
4 features · 12 payment methods · 5 regions. We don't rank these — they're here for reference.
Clover Clover
Banking Circle Banking Circle
Quick Facts
Fees
Standard transaction rate
2.3-2.6% + $0.10
Per-transaction
Settlement
Time to receive funds
1–2 business days
Instant to 2 business days
Founded
2012
2013
Headquarters
Sunnyvale, California, United States
Luxembourg
Sandbox / Test Mode
✓
✓
Webhook Support
✓
✓
Features
Banking Circle leads (3 vs 1)
Enterprise Unique
—
✓
Instant Payout Unique
—
✓
Low Fees Unique
—
✓
Startup Friendly Unique
✓
—
Payment Methods
Clover leads (7 vs 5)
Amex Unique
✓
—
Apple Pay Unique
✓
—
Bank Transfer Unique
—
✓
Discover Unique
✓
—
Gift Card Unique
✓
—
Google Pay Unique
✓
—
Mastercard Unique
✓
—
Sepa Unique
—
✓
Swift Unique
—
✓
Swish Unique
—
✓
Virtual Account Unique
—
✓
Visa Unique
✓
—
Regions
Banking Circle leads (5 vs 2)
Asia Unique
—
✓
Europe
✓
✓
North America
✓
✓
Oceania Unique
—
✓
Southeast Asia Unique
—
✓

Clover is best when you...

Retail & restaurants
Need Startup Friendly
Not available with Banking Circle
View Clover

Banking Circle is best when you...

Financial Institution Infrastructure
Need Enterprise
Not available with Clover
Need Instant Payout
Not available with Clover
Want coverage in Asia, Oceania, Southeast Asia
Clover doesn't cover these regions
View Banking Circle

Frequently Asked Questions

What is the difference between Clover and Banking Circle?
They share 0 payment methods and 2 regions. Clover adds Amex, Apple Pay, Discover and 4 more that Banking Circle does not list; Banking Circle adds Bank Transfer, SEPA, SWIFT and 2 more that Clover does not list; Banking Circle also covers Asia, Oceania and 1 more; only Clover offers Startup Friendly.
Which is cheaper, Clover or Banking Circle?
Clover has published rates from 2.3-2.6% + $0.10; Banking Circle has published rates from Per-transaction. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use Clover and Banking Circle?
Clover lists 2 regions and 7 payment methods; Banking Circle lists 5 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 Banking Circle compare on integration and settlement?
both offer a sandbox; both support webhooks; Clover settles in 1–2 business days, Banking Circle in Instant to 2 business days.

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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.

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