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Clover
Retail & restaurants
A Fiserv-owned all-in-one POS system combining hardware, payments, inventory, and employee management for retail and restaurants. Clover offers a range of devices from compact readers to full register systems, with a marketplace of third-party apps for customization. Popular among small to medium businesses wanting an integrated commerce solution.
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Shift4
Hospitality & Retail
An end-to-end payment and commerce platform with deep specialization in the hospitality and retail industries. Shift4 offers integrated POS systems and payment processing with competitive interchange-plus pricing. Well-suited for restaurants, hotels, and retailers who want a unified commerce solution.
Visit Shift4Detailed Comparison
Side-by-side feature breakdown
2.3-2.6% + $0.10
0.05% + $0.03 above interchange
6 Available
7 Available
7 Supported
9 Supported
Common Ground
Shared Regions
Shared Features
When to Choose Shift4
Choose Shift4 if you need features like Instant Payments, or you want a broader feature set. With fees of 0.05% + $0.03 above interchange, it's ideal for businesses focused on hospitality & retail.
Frequently Asked Questions
What is the difference between Clover and Shift4?
Clover is best for retail & restaurants, while Shift4 is best for hospitality & retail. Clover charges 2.3-2.6% + $0.10 and Shift4 charges 0.05% + $0.03 above interchange. They differ in supported features, regions, and payment methods.
Which is cheaper, Clover or Shift4?
Clover charges 2.3-2.6% + $0.10 while Shift4 charges 0.05% + $0.03 above interchange. The best value depends on your transaction volume, business type, and required features. Compare their full fee structures for your specific use case.
Can I use both Clover and Shift4 together?
Yes, many businesses use multiple payment providers for redundancy, regional coverage, or to offer more payment methods. Clover and Shift4 can complement each other depending on your needs.