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Mobile Payments Comparison

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Countries US, Canada, Japan, Australia, the United KingdomUSUS, Belgium, Brazil, Germany, Spain, France, Ireland, Italy, the Netherlands, Austria, Portugal, Poland, Switzerland, Sweden, the UKUS, CanadaUS
Payment TypesAll Brands, Bitcoin (Online Only)All BrandsAll BrandsAll BrandsAll Brands, ACH (Online Only)
Support OutletsPhone, EmailEmail, PhonePhone, EmailPhone, EmailPhone
Support QualityGoodExcellentGoodAcceptableGood
InternationalYes, At Keyed RateYes (At Interchange-Plus Rates)Yes (With Approval)YesYes
Deposit Time1-2 Days (Instant Deposit available)24-48 hours1-2 DaysUnspecified2-3 Days
Default Weekly LimitsUnspecifiedNoneNot SpecifiedVaries10000
Receipt Printing/Cash DrawerYesNoYesNoNo
Ease of UseEasySomewhat EasyEasyEasyVery Easy
Type Of ProcessorThird-PartyMerchant AccountThird-PartyMerchant AccountMerchant Account
Account StabilitySomewhat StableVery StableSomewhat StableStableStable
Supported PlatformsAndroid, iOS, WebAndroid, iOS, WebAndroid, iOSAndroid, iOSiOS, Android, Web
Pricing
Monthly Fee$0$0 (Start) / $9.95 (Surge)$0VariesPay-as-you-go: $0, Monthly: $19.95
Credit (Card-Present)2.75%Interchange + 0.5% + $0.20 (Start) / Interchange + 0.3% + $0.20 (Surge)2.75%Varies2.40% + $.0.25, 1.60% + $0.25
Credit (Keyed-In)3.50% + $0.15Interchange + 0.5% + $0.20 (Start) / Interchange + 0.3% + $0.20 (Surge)N/AVaries3.40% + $0.25, 3.20% + $0.25
Credit (Online)2.75%N/A2.75%N/A3.40% + $0.25, 3.20% + $0.25
Debit (Card-Present)2.75%Interchange + 0.5% + $0.20 (Start) / Interchange + 0.3% + $0.20 (Surge)N/AVaries2.40% + $.0.25, 1.60% + $0.25
Debit (Keyed-In)3.50% + $0.15Interchange + 0.5% + $0.20 (Start) / Interchange + 0.3% + $0.20 (Surge)N/AVaries3.40% + $0.25, 3.20% + $0.25
Debit (Online)2.75%N/AN/AN/A3.40% + $0.25, 3.20% + $0.25
AmEx (Card-Present)2.75%Interchange + 0.5% + $0.20 (Start) / Interchange + 0.3% + $0.20 (Surge)2.75%Varies2.40% + $.0.25, 1.60% + $0.25
AmEx (Keyed-In)3.50% + $0.15Interchange + 0.5% + $0.20 (Start) / Interchange + 0.3% + $0.20 (Surge)N/AVaries3.40% + $0.25, 3.20% + $0.25
AmEx (Online)2.75%N/A2.75%N/A3.40% + $0.25, 3.20% + $0.25
Chargeback FeeNone$35$10Varies$25
Card Reading
Headphone JackYesYesNoYesYes
Bluetooth Card ReaderYesYesYesYesNo
NFC Card ReaderYesYesYesYesNo
Camera ScanNoNoNoNoYes
Chip CardYesYesYesYesYes
Keyed-EntryYesYesNoYesYes
Card-Not-Present Keyed-EntryYesYesNoYesYes
iPad Stand With Built-In ReaderYesNoNoNoNo
Payment Interface
Offline Mode Card ProcessingYesNoNoNoNo
Store Card On FileYesNoNoNo
Custom AmountYesYesYesYesYes
Tips By %YesYesYes (Contact to Enable)YesNo
Tips By $YesYesYes (Contact to Enable)YesNo
Discounts By $YesYesNoYesNo
Discounts By %YesYesNoYesNo
Discounts By ItemNoNoNoYesNo
Signature Off Option On Small TicketsYes (Under $25)Yes (Under $50)YesYesNo
Signature And Tip On Paper ReceiptYesNoNoNoNo
Paper Gift ReceiptsYesNoNoNoNo
Cash/Check ReportingYesYesYesYesYes
Shows Change For CashYesYesYesYesYes
Gift CardsYes (Add-On)NoNoNoNo
Kitchen TicketsYes (iPad Only)NoNoNoNo
Full And Partial RefundsYesYesYesYesYes
Pre-AuthsNoNoNoNoYes
Virtual TerminalYesYesNoNoYes
Other Features
Emailed ReceiptsYesYesYesYesYes
SMS ReceiptsYesYesYesYesYes
Customizable ReceiptsYesYesNoYesYes
QR Code CouponsNoNoNoNoNo
Coupon CodesNoNoNoNoNo
Running Tab/Suspend TicketNoNoNoNoNo
Customer Feedback ManagementYesNoNoNoNo
Employee AccountsYesYesNoYesYes
ACH ProcessingNoNoNoNoYes (Online Only)
Loyalty ProgramYesNoNoNoNo
API For Custom SolutionsYesNoYesNoNo
Online Payments
e-InvoicingYesNoNoNoYes
In-App InvoicingYesNoNoNoNo
Payment ButtonsNoNoNoNoNo
Shopping Cart IntegrationsYesNoNoYes (With Larger Clover Plan)Yes (With QuickBooks Payments)
Hosted StorefrontYesNoNoYes (With Larger Clover Plan)No
eCommerce APIYesNoYesYes (With Larger Clover Plan)No
Inventory Management
Shopventory IntegrationYesNoNoYesNo
Inventory CountYesNoNoNoNo
Store ItemsYesYesYesYesNo
Item PicturesYesYesYesNoYes
Item DescriptionYesYesYesYesYes
Sales Tax On/OffYesYesYesYesYes
Multi-Tax RateYesYesYesYesNo
Item Varieties/CategoryYesNoYesNoYes
Item Add-Ons/ModsYesNoYesNoNo
Edit OrderYesYesNoNoYes
SKUsYesYesNoNoNo
Ingredients/CostNoNoNoNoNo
Barcode ReadingYesYesNoNoNo
Low Stock AlertsYes (Online)NoNoNoNo
CSV ImportsYesNoNoNoNo
Online/In-Store SyncYesNoNoNoNo
StitchLabs IntegrationYesNoNoNoNo
Reporting
QuickBooks IntegrationYesNoNoYesYes
In-App ReportsModerateBasicYes (Limited)BasicBasic
Online ReportsAdvancedAdvancedYesModerate/AdvancedBasic
Save Customer InfoYesYesNoNoYes
SchedulingYes (Add-On)NoNoNoNo
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