Quick Answer
Heartland is better for businesses that prioritize interchange-plus pricing transparency and a dedicated account relationship. Clover is better for businesses that need a robust POS hardware ecosystem and app marketplace.
Head-to-Head Comparison
Heartland is a merchant services provider (a Global Payments company) known for interchange-plus pricing and dedicated SMB support. Clover is a POS platform owned by Fiserv with a broad hardware ecosystem and app marketplace. Heartland is a stronger choice for businesses prioritizing payment cost transparency and a personal account relationship; Clover is better for businesses that need a feature-rich POS hardware and software ecosystem.
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Heartland resells Clover POS as part of its merchant services bundle. Merchants comparing processing options evaluate both.
Heartland processing bundled with Clover hardware — evaluate total cost and contract terms.
Heartland may be a better fit when…
Choose Heartland if you want interchange-plus pricing, a dedicated account relationship, and payment processing across multiple industries.
View Heartland profileClover may be a better fit when…
Choose Clover if you need a robust POS hardware ecosystem with app integrations for retail or restaurant operations.
View Clover profilePricing model
Heartland uses interchange-plus; Clover pricing is typically quote-based.
POS ecosystem
Clover has a wider range of hardware form factors and an app marketplace.
Pricing transparency
Heartland's interchange-plus structure is more transparent than Clover's quote-based pricing.
App integrations
Clover's app market provides a wider range of third-party software integrations.
Account support
Heartland emphasizes dedicated account management for SMBs.
Multi-industry
Both serve retail, restaurants, nonprofits, and other business types.
"Edge" indicates a relative advantage based on publicly available information. Verify all details directly with each provider before making a decision.
Data sourced from publicly available information. Fields marked "Research in Progress" are not publicly confirmed. How we verify data.
Heartland uses interchange-plus pricing — actual interchange plus a Heartland markup. Clover pricing is typically quote-based through Fiserv and bank/ISO partners. Neither publishes all-inclusive rates publicly. Get direct quotes from both and compare total cost.
Recommended reading before making a pricing decision:
Heartland
Considerations
Clover
Considerations
Advantages and considerations are based on publicly available information. Verify all details directly with each provider.
It depends on priorities. Heartland is better for businesses that want payment cost transparency with interchange-plus pricing and dedicated support. Clover is better for businesses that need a comprehensive POS hardware and software ecosystem with app integrations.
Heartland uses interchange-plus pricing, where merchants pay the actual interchange cost plus a markup from Heartland. Exact rates are not publicly published and vary by account — verify directly with Heartland.
Clover is owned by Fiserv, a large financial technology company. Clover hardware and software are sold through Fiserv and its bank and ISO distribution partners.
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Editorially Independent — ProcessorFit does not accept payment for rankings or recommendations. Every provider profile is researched independently using publicly available information. Editorial Policy · Research Methodology