Elavon vs Clover explained – Payment processing comparison

Updated on 25 April 2024

The contemporary marketplace is shifting to a digital landscape, and with this transformation comes the need for secure and reliable payment processing solutions. Elavon vs Clover are two prominent players in this sphere, providing businesses with the tools to accept and process electronic payments seamlessly.

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In this article, we will deep dive into both Elavon and Clover’s offerings, dissect their features, costs, and customer support to aid your decision-making process.

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Elavon vs Clover

Payment OptionsCredit and debit card, mobile payments, online paymentsCredit and debit card, contactless payments, digital wallets
CompatibilityWide range of shopping carts and e-commerce platformsDesigned primarily for small to medium businesses
POS SystemsAvailableSpecialised and advanced POS systems
SecurityFraud monitoring and encryptionStandard encryption
Pricing ModelQuote-basedTransparent pricing with monthly plans
Setup FeeDepends on the business (may be waived for some businesses)None for most plans
Transaction FeeCustom, based on factors like business size and industryVaries by plan, starts from 2.3% + 10p per transaction
Monthly FeeCustom, based on individual business requirementsVaries by plan, starts from £0 for basic plan
Hardware CostVaries by requirementsPrices available on website
Availability24/7 phone and email support24/7 phone support, along with email and live chat
User ReviewsMixed; some users report slow response timesMixed; some users report slow response times
Elavon vs Clover

Please note that this table summarises the primary features, fees, and customer support of each provider. It’s recommended to reach out to Elavon and Clover directly for the most accurate and up-to-date information.

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Understanding the basics – Payment processing

Before we delve into the specifics of Elavon vs Clover, it is important to understand what a payment processor does. At its core, a payment processor is a company that manages transactions between the debit and credit card company of a buyer and the bank of a seller. This technology is paramount in ensuring that your customers can pay you swiftly and securely.

A look at Elavon

Elavon is a well-established player in the payment processing industry, serving over 1 million customers globally. It offers a comprehensive range of products, including merchant accounts, mobile payment solutions such as card machines, online payment gateways, and physical point of sale (POS) systems.


Elavon stands out for its range of solutions, including its mobile payment processing and online gateways. They are compatible with a wide variety of shopping carts and e-commerce platforms, allowing businesses to offer a seamless checkout experience. Elavon also provides robust security measures, including fraud monitoring and encryption.


In terms of pricing, Elavon operates on a quote-based system, meaning it tailors its fees to your business needs. The actual rates depend on various factors, including your business size, industry, and average transaction volume. It’s worth noting that some users have reported high fees and surprise charges, so it’s crucial to clarify the costs upfront.

Customer support

Elavon offers 24/7 customer support via phone and email, along with an extensive online resource centre. This ensures that assistance is always on hand should you encounter any issues. However, user reviews have noted that Elavon’s customer service can sometimes be slow to respond and solve problems.

Introducing Clover

Clover, a product of Fiserv, is another heavy-hitter in the payment processing industry. While also providing payment processing services, Clover’s main focus is on its suite of hardware and software solutions, offering sleek and modern POS systems.


Clover’s POS systems offer comprehensive solutions for businesses. They integrate with various apps that manage everything from inventory to customer loyalty programs. Their hardware is designed to offer a seamless payment experience, including traditional card payments, contactless payments, and digital wallets.

The software suite that accompanies Clover’s POS is its biggest selling point. The interface is intuitive and user-friendly, with a plethora of apps available for businesses to customise their POS system. It is noteworthy that Clover is primarily designed for small to medium businesses, lacking the infrastructure to handle high volume transactions that large businesses may require.


Clover operates with a more transparent pricing model than Elavon. They offer several pricing plans, each with different monthly fees, transaction rates, and access to specific features. Hardware costs are also transparent, with prices readily available on their website.

Customer support

Clover provides 24/7 phone support, along with email and live chat. Its customer service reputation is mixed, with some users reporting swift and helpful assistance, and others experiencing slower response times.

Elavon vs Clover – Making the choice

Choosing between Elavon vs Clover depends primarily on your business’s specific needs.

Elavon’s strengths lie in its compatibility and range of solutions, making it a good fit for larger businesses and those operating heavily in the online sphere. Its custom pricing can also be beneficial if your company has unique payment processing needs.

On the other hand, Clover offers an all-in-one payment processing solution, with a focus on POS systems. Its software suite is particularly robust and user-friendly, providing tools to streamline operations. If you’re a small to medium business, particularly with a physical store, Clover’s hardware and software solutions may be an excellent fit.

In conclusion, when deciding between Elavon and Clover, consider your business size, whether you primarily operate online or in-store, your desired level of POS system customisation, and your budget. As with any business decision, it’s crucial to do your due diligence, understanding all costs involved, and examining customer reviews before committing to a payment processing provider.


What are Elavon and Clover primarily known for in the payment processing industry?

Elavon is primarily known for its range of payment processing solutions including merchant accounts and online gateways, while Clover is known for its advanced point of sale (POS) systems.

Do both Elavon and Clover offer online payment processing solutions?

Yes, both Elavon and Clover offer online payment processing solutions, but Elavon has a broader range of compatibility with various e-commerce platforms.

How do the costs of Elavon and Clover compare?

Elavon operates on a quote-based system, customising its fees according to your business, whereas Clover provides transparent pricing with several monthly plans.

Which between Elavon and Clover provides more advanced POS systems?

While Elavon provides POS systems, Clover has a more advanced range with integrated software, including inventory management and customer loyalty apps.

Are Elavon and Clover compatible with mobile payments?

Yes, both Elavon and Clover are compatible with mobile payments.

Do both Elavon and Clover offer fraud monitoring and security measures?

Yes, both Elavon and Clover have robust security measures in place. Elavon offers fraud monitoring and encryption, while Clover provides standard encryption.

How is the customer support for Elavon and Clover?

Both Elavon and Clover offer 24/7 customer support. Elavon provides support via phone and email, whereas Clover offers support via phone, email, and live chat.

Can both Elavon and Clover handle high-volume transactions?

Elavon is better equipped to handle high-volume transactions due to its wide range of solutions. Clover, on the other hand, is primarily designed for small to medium businesses.

Do both Elavon and Clover offer customisable payment solutions?

Yes, both Elavon and Clover offer customisable payment solutions. Elavon tailors its solutions according to your business needs, while Clover offers a range of apps to customise its POS system.

Which is more user-friendly, Elavon or Clover?

Both Elavon and Clover have user-friendly interfaces, but Clover’s software suite for its POS systems is often cited as particularly easy to use.

Which between Elavon and Clover is more suitable for small businesses?

Clover is generally more suitable for small to medium businesses due to its comprehensive, user-friendly POS systems and transparent pricing.

How do Elavon and Clover compare in terms of transaction fees?

Elavon’s transaction fees depend on various factors such as business size and industry, whereas Clover’s transaction fees vary by plan, starting from 2.3% + 10p per transaction.

Do Elavon and Clover have a setup fee?

Elavon’s setup fee depends on the business and may be waived for some businesses. Clover does not charge a setup fee for most of its plans.

Which between Elavon and Clover offers more flexibility in terms of payment options?

Elavon and Clover both offer a range of payment options, including credit and debit cards and mobile payments. However, Clover also supports contactless payments and digital wallets.

Do Elavon and Clover offer loyalty programs?

Elavon does not offer a loyalty program itself, but it can integrate with various third-party solutions. Clover, on the other hand, has apps that manage customer loyalty programs as part of its POS system.

How do Elavon and Clover compare in terms of hardware costs?

Elavon’s hardware costs vary according to business requirements, while Clover has transparent hardware costs listed on their website.

Can I switch from Elavon to Clover or vice versa?

Yes, you can switch from Elavon to Clover or vice versa, but it’s advisable to consider the costs, potential downtime, and technical support during the transition process.

Are there any long-term contracts with Elavon and Clover?

Both Elavon and Clover offer a range of plans, some of which may include long-term contracts. It’s important to review the terms and conditions before signing up.

How do the customer reviews for Elavon and Clover compare?

Customer reviews for both Elavon and Clover are mixed. Some users have reported slow response times for customer support with both providers.

Which between Elavon and Clover would be better for an online business?

Elavon may be a better fit for online businesses due to its wide compatibility with various shopping carts and e-commerce platforms.

Reviewed by , Managing Director

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