How Clover compares to Square POS in 2026
Clover and Square are the two all-in-one POS systems Canadian owners ask about most. Both combine a point of sale and card payments in one system, both work for retail and restaurants, and both look good on a counter. The differences are in how you pay for them and who supports you.
SavPay sets up both, so this comparison is about fit, not about selling one of them.
At a glance
| Clover | Square | |
|---|---|---|
| Made by | Fiserv | Block |
| How you get it | Through a provider such as a bank or an authorized agent | Directly, online |
| Payment pricing | Set with your provider; interchange-plus possible | Published flat rates |
| Software | Monthly software plan per device | Free tier, paid plans for more features |
| Hardware | Countertop, handheld and mobile devices | Readers, terminals, registers and stands |
| Apps | Clover App Market, many with their own fees | Square's own add-ons and partner apps |
| Support | Your provider, then Clover | Square |
Where Clover is stronger
Clover suits businesses with steady volume that want a set-up-for-you system:
- Pricing can be negotiated, so a business with steady volume can pay less than a flat rate over time.
- Restaurant features such as table management, kitchen display and tipping are well developed.
- A local provider can set it up, program the devices and support you in French or English.
Where Square is stronger
Square suits businesses that want to start fast and manage things themselves:
- Sign-up takes minutes and you can sell the same week.
- The free tier is enough for many small shops, markets and pop-ups.
- Online store, invoices and in-person sales sit in one dashboard from day one.
The costs to compare
Compare the full monthly cost, not the rate alone: payment fees at your volume, software plans for each device, hardware bought or leased, and paid apps. A cheaper rate with expensive software can cost more than the reverse. For Clover, also read the provider's agreement for contract length and what leaving early costs.
Our guide to interchange-plus vs flat-rate pricing explains why the pricing model matters more as your sales grow.
Frequently asked questions
Can I use Clover without a contract?
It depends on the provider. Ask for the agreement terms, monthly fees and termination costs in writing before you sign.
Which is better for restaurants?
Both work. Clover tends to suit full-service restaurants with several stations; Square suits counter service and small cafés. In Quebec, also confirm the POS is certified for mandatory billing.
Can I move from Square to Clover later?
Yes. Products and customers can usually be exported and imported. We help with the move.