Clover Go App & Card Reader Review

Pros

• Inexpensive hardware
• Free mobile processing app
• Good web dashboard
• Affordable monthly plans

Cons

• Pricing and terms vary
• Expensive for low-volume merchants

What Is Clover Go?

Clover Go is a Bluetooth credit card and mobile wallet reader. Using this hardware and the Clover point of sale (POS) app, you can take payments with your mobile device. You can also integrate the Clover Go with Clover hardware, such as the Clover Station Solo, which can’t take mobile/contactless card payments.

Clover Go Pricing

Clover Go pricing includes pricing for the device itself and your monthly Clover software plan. Generally, Clover Go is pretty affordable for small businesses — if you buy from Clover directly.

Clover Go Hardware Pricing

A Clover Go mobile payment reader is $49 if you buy from Clover.com. However, pricing can vary depending on where you buy your Clover system and associated merchant account. Some merchant services providers may give you a free Clover Go if you sign up for a merchant account, while others charge more than $100 for the device.

Clover also sells a $29 countertop stand (pictured above) to hold and charge your Clover Go.

Clover Go Software Pricing

Clover recommends the following plans for use with Clover Go:

Clover Payments Features

• Swipe, chip, and tap card payments
• Mobile wallet payments such as Apple Pay and Google Pay
• Keyed-in payments on the Clover app or website
• Paperless receipts
• Basic sales tracking
• Mobile invoicing
• Bookkeeping (QuickBooks and Xero) integrations
• 24/7 support

Clover Essentials Features

• Payments plan features
• Real-time sales tracking
• Detailed sales reports
• Tax reporting
• Basic inventory management
• Employee permissions and shift management
• Client database
• Loyalty program
• Promotions
• Clover gift cards (digital or physical)

With either of these plans, you will pay a flat processing fee of 2.6% + $0.10 for all card-present transactions and 3.5% + $0.10 for all card-not-present transactions. This higher payment processing rate applies to online and phone orders, keyed-in card numbers, invoice/virtual terminal payments, and payments through any third-party ordering platforms such as Order With Google.

Both plans are generally suitable for low-volume mobile businesses processing less than $50,000 a year. Then again, the $14.95/monthly fee on the Essentials plan can seem like a lot for a very low-volume business, especially when there are mPOS systems with no monthly fees available, such as the Square Contactless Chip + Card Reader and PayPal Zettle.

Alternatively, higher-volume businesses have the option to use Clover Go with a more advanced software plan, such as the Register plan or a restaurant-specific plan.

However, you won’t fully benefit from a higher-tier plan unless you are using the Go in addition to a complete Clover POS system, such as a Clover Station or Clover Mini.

Learn more about Clover software plans and pricing by reading our article on Clover POS costs.

Note that if you do not buy from Clover directly, your merchant services provider may also charge additional monthly fees to use Clover Go.

Clover Go Features

You get a full merchant account with Clover Go, which should deliver greater account stability than third-party processors (such as Square or PayPal). That also means it may take a few more days to get set up with Clover while Fiserv completes the required underwriting. So you shouldn’t expect to be set up and able to process payments on the same day.

The Clover Go feature set is limited compared to Square’s (see our Clover POS vs. Square POS comparison) but functional, with some features tucked behind a paywall. Note that most of these features require the Clover Essentials plan or higher, and many features need to be enabled from within the browser setup and cannot be modified in the Clover Go app:

• New Sale: Every mPOS out there has a quick-pay mode where you just punch in an amount and swipe a card. Clover Go is no different in that regard. Ring up items in the New Sale tab by selecting them from your inventory list or entering a custom item and price and having customers sign for their purchase on your device’s screen. This screen is optimized in landscape mode on the app’s iPad version.
• Card Scanner: If the card readers aren’t working, you can use your device’s camera to scan the card instead of manually entering it.
• Dashboard: In your Clover Go mobile dashboard (as opposed to your Clover’s web dashboard, which is a separate thing), you can update your business details, add employees, and view weekly sales data.
  
• Inventory: What sets Clover Go apart is its inventory mode. Most mPOS systems allow you to punch in a mix of items and a custom amount if needed. On the other hand, Clover Go has a separate, searchable inventory mode that lets you view and edit items and add new items. However, this feature isn’t available on the free plan.
• Item Descriptions: Pretty standard stuff here; you can see and edit an item’s name, price, category, tax rate, etc. Previously, you could only create items from within the Clover dashboard. You can now ring up custom items in the app and add these new items to your inventory either from the New Sale screen or the Inventory screen. Previous versions of Clover Go also didn’t support variable pricing or pricing per unit, so I was glad to see that Clover now supports these pricing options.

• Item Counts: Clover Go doesn’t have robust inventory counts. However, there is an integration with the dashboard where items sold in Clover Go will deduct from your inventory counts. Refunds will not restock items, however.
• Customizable Tip: You can enable tipping within the web dashboard and set it with up to four preset tip amounts.
• Customizable Tax: Clover Go’s tax management tools aren’t as robust as other options I’ve seen, but I’ll give Clover credit for allowing the application of multiple taxes to items. You can choose from some preset tax rates for an item in the app, but the tax rate options need to be managed from the dashboard.
• Email/SMS Receipts: When a transaction is complete, you can send a text message or email receipts to customers.
• Clover Suite Integration: Clover Go will sync back to the dashboard and work with other data if you’re using additional Clover products. However, not all of the features the other devices support translate into Clover Go.
• Unlimited Users: I was pleasantly surprised to learn that Clover allows you to create unlimited sub-user accounts for free. Clover also supports different permission levels so that you can control access to some features.
• Open Orders: This surprising feature allows you to pull up orders started in any other Clover POS system in Clover Go and vice versa, which is a nice touch, though only available with the Register level plan.
• Barcode Scanning: iOS users can scan barcodes to find items instead of searching for them within the app.
• Searchable Interface: You can find items by entering them in the search box instead of just scrolling through the list, which is another nice touch.
• Discounts: The Clover Go app’s major update added a much-needed discounting feature. This feature allows you to add preset percentage-based or value-based discounts and create new ones on the fly. However, you can only add discounts to the entire order, not individual items.
• Reports: The reporting suite includes the following (fairly basic) reports: Sales Overview, Sales Report, Tender Types, Card Types, Item Sales, Removed Items, Requested Reports, Order Types, Employees, Discounts, and Taxes. Recently, Clover improved the Export feature for the Sales Report and the Item Sales Reports, allowing you to be more flexible about the data you export.

Is Clover Go User-Friendly?

The Clover Go app is easy to use and navigate, though it will take a little time to configure most settings in a web dashboard rather than in the mobile app itself. Once you get the hang of the functions, Clover is just as user-friendly as any mobile POS app.

The device itself is also user-friendly, if a bit clunky. Unlike Square’s Bluetooth reader, the Clover Go can accept swiped transactions as well as EMV and NFC. Clover Go doesn’t support a receipt printer or cash drawer, so if you want something that can also do register duty, you’ll want to look at another Clover product or consider something such as PayPal Here or Square.

Customer Service & Support

You can also typically reach out to your processor for merchant account questions. However, you will be referred back to Clover’s support representatives for technical questions.

There is one dedicated 24/7 phone line for Clover Go support, but there aren’t really any other ways to contact Clover. Many Clover users report poor phone experiences, so keep this in mind when calling.

Clover also has tailored self-service online knowledge bases for Clover users based on their Clover hardware and software plan. This will serve you well for the vast majority of questions about features and standard uses. Clover also has a few videos and tutorials for Clover Go on YouTube. Clover has a social media presence and a blog, but these are not specific to Clover Go.

Payment Processing With Clover Go

All Clover Go accounts come with a Fiserv merchant account, but your rates and terms depend on where you buy your system.

When purchasing from Clover.com directly, you’ll get flat-rate, month-to-month pricing with rates starting at 2.6% + $0.10 for card-present transactions and 3.5% + $0.10 for card-not-present transactions. This higher payment processing rate applies for every payment type except swiped, chipped, tapped, or mobile wallet card payments.

Other Clover resellers package their Fiserv accounts differently and may use various other processing schemes, such as interchange-plus or tiered pricing, with potentially long-term processing commitments.

Contract Length & Early Termination Fees

Your contract terms depend on your Clover hardware vendor.

Clover offers 36-month and 48-month contracts, with a potentially large early termination fee if you cancel before your contract ends. If you’re using other Clover products already, Clover Go will most likely function as an add-on package with a potential monthly service fee on top of your contract.

If you talk to a Clover sales rep, they may say that they can waive an early termination fee. However, verbal agreements aren’t enforceable. That’s why you have to make sure any contract agreements are in writing.

You can probably get a better contract from a reputable Clover reseller and negotiate a good merchant agreement.

Clover Go Reviews

Negative Clover Go Reviews & Complaints

Here are the main negatives found in Clover Go reviews:

• Card Reader Troubles: This is an especially common complaint among Android users. Specifically, users seem to have trouble connecting the standard headphone jack reader to their phones, forcing people to get new readers and manually key in transactions. You can get around this by opting for the all-in-one Bluetooth reader, which seems to solve most merchants’ issues. If you have a new iPhone, this is your only option.
• Lack Of Features: The Clover Go app is functional but very basic compared to a full-featured POS or even a system such as Square, which blurs the line between mobile and full-fledged POS. You can’t manage a lot of settings from within the app, and the tablet versions of the app don’t support a landscape view mode, which is at odds with many tablet display stands.
• Glitchy Software: App crashes and login problems are common and not surprising complaints. It looks like a recent upgrade accidentally removed the entire custom tip feature from the app, which is the opposite of what you want to happen when you roll out an update. It took about a week to fix, judging from the dates on app reviews and Fiserv’s responses. Generally, Android users complain about how the hardware glitches and crashes more frequently than iPhone and iPad users.
• Poor Customer Service: Users report long hold times and unresolved issues upon contacting customer support. This echoes the reports we’ve heard regarding other Clover products and Fiserv in general. However, your experience will vary depending on who does your onboarding.

Positive Clover Go Reviews & Testimonials

Amid the lackluster reviews and complaints, you’ll still find some positive reviews of Clover Go. Here is what happy users praise the most:

• Compatible With Other Clover Systems: For merchants already using other Clover products, using Clover Go as a simple mobile solution makes a lot of sense. Information syncs up with an existing Clover account, which is a big selling point.
• Good Customer Service: I saw praise of Clover’s customer service come up often enough to mention it here, even though there are far more merchants claiming the opposite. Again, your experience will vary. Some resellers do better than others at providing support, especially in the onboarding process. Once you’re up and running, you’ll deal with Clover directly, which may not go as well.
• Pricing: Again, this doesn’t exactly come up a lot, but a handful of merchants say the pricing is comparable to other options. Your experience may vary, but I’m inclined to think the merchants that get the best deals are larger businesses or are using Clover Go as an extension of their existing Clover system.

Final Verdict Of Clover Go

Clover Go is well-rounded overall and has everything merchants need to take mobile credit card payments. The account stability you get with your included merchant account is also a big draw. But some aspects of Clover Go — such as needing to modify settings in the web dashboard, not the app — drive me bonkers! And you can certainly get better feature sets from other providers, including Square, which offers its superior suite of mobile POS features for free.

When it comes to pricing and transparency, your experience will vary quite a bit, depending on which reseller you sign up with. However, your terms and pricing should be pretty upfront as long as you sign up through Clover.com directly.

Clover Go generally works best for mid-volume Clover merchants using a countertop Clover Station or Mini as their main POS and want Clover Go for mobile sales. However, in the past few years, Clover has tried to rebrand Clover Go as a standalone mobile POS for casual and low-volume businesses.

While I would still recommend Square or one of these best mobile card processing apps for this type of user, Clover Go does offer the benefit of your own merchant account and can thus be a good alternative for businesses that have been burned by a payment service provider, such as Square, Shopify, or PayPal.

If you decide to go with Clover Go, make sure you purchase your system from Clover.com or one of these best Clover resellers.

Clover Go FAQs

The Merchant Maverick Seal of Approval 🏆

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After hours of in-depth research and evaluation, we can confidently recommend this brand to our readers. Get started today and see Clover Go for yourself.

The Merchant Maverick Seal of Approval 🏆

Clover Go	Visit Site

After hours of in-depth research and evaluation, we can confidently recommend this brand to our readers. Get started today and see Clover Go for yourself.

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