What Is Sam’s Club Point Of Sale By Clover?

Sam’s Club is best known for its membership-only warehouse clubs that give shoppers access to bulk products at discounted prices. But as a business owner, you may be more interested in Sam’s Club Point of Sale by Clover.

Leveraging Sam’s Club’s name recognition and bulk-retail appeal, this service offers Clover-powered payment processing. But is it the right fit for your business? Let’s break it down.

What Is Sam’s Club Point Of Sale By Clover?

Sam’s Club Point of Sale by Clover is a merchant services solution that resells Fiserv (formerly First Data) products.

Previously known as Sam’s Club Merchant Services, it now operates under Clover while using Sam’s Club branding to attract merchants. While it offers the same hardware, pricing, and contract terms as Fiserv, it doesn’t provide any unique savings or added features beyond what you’d get directly from Fiserv.

Core Services & Features

Everything offered by Sam’s Club Point of Sale by Clover is Fiserv-branded, although the lineup isn’t as extensive as Fiserv’s full offerings. Here’s a breakdown of the services and features that are available:

• Merchant Accounts: Sam’s Club is a reseller for Fiserv (formerly First Data), which handles account underwriting and processing.
• Countertop Credit Card Terminals: Fiserv terminals are available for lease or purchase. Pricing isn’t disclosed online, but we recommend buying equipment outright to avoid expensive, long-term leases.
• Point of Sale (POS) Systems: Choose from a lineup of Clover equipment that’s available to purchase outright or through interest-free installments.
• Mobile Processing: The free Clover Go app works with the Clover Go reader for mobile processing.
• eCommerce Support: The Clover Online Store integrates with Clover Marketplace apps to sell physical goods online.
• Security Features: TransArmor® protects Sam’s Club merchant accounts by providing encryption and tokenization.
• Marketing Services: Clover users can access rewards programs, gift cards, and customer analytics.
• Analytics & Reporting: Clover Dashboard provides web-based reporting, virtual terminal functionality, and mobile apps for Android, iOS, and even Apple Watch.

What Does It Cost?

Unfortunately, Sam’s Club Point of Sale by Clover isn’t particularly transparent when it comes to pricing. You can learn more about plans and pricing by calling, scheduling a call with a local rep, or using a live chat feature on the website.

However, here’s a breakdown of Clover’s published plans and pricing that can give you an idea of what you may spend. Note that available plans and pricing through Sam’s Club Point of Sale by Clover may vary.

You’ll also need to factor in additional costs, including payment processing fees, add-on apps, and the cost of hardware. Sam’s Club Point of Sale by Clover offers the following hardware options:

What To Consider Before Enrolling

Before you sign up, here are a few things to keep in mind:

• Contracts: The standard Fiserv contract is typically four years with automatic annual renewals. Early termination fees exist but may be negotiable, so make sure to get everything in writing.
• Transparency: Pricing and contract terms aren’t fully disclosed online. Carefully review the contract to avoid surprises.
• Customer Service: Phone support is available 24/7, but reviews report inconsistent or unhelpful service. Online self-service options are minimal.
• Hardware Lock-In: Sam’s Club/Fiserv accounts aren’t compatible with third-party POS systems. Switching processors usually requires purchasing new equipment.

Should You Sign Up For Sam’s Club Point Of Sale By Clover?

If you want a full Clover setup and predictable flat-rate pricing, Sam’s Club Point of Sale by Clover can get the job done. However, it generally costs more than other options and doesn’t offer unique benefits beyond what you’d get directly from Fiserv.

Small business owners seeking lower fees, more flexible contracts, or stronger customer service may want to consider alternatives like Dharma Merchant Services or Payment Depot, which also provide Clover hardware at a lower cost.