Square vs Clover vs Stripe: The Ultimate 2025 Payment Gateway Comparison

Clover vs Square vs Stripe: Choosing the Right POS Ecosystem

Choosing the right POS system isn’t just about accepting payments — it’s about building a smoother, more profitable business. In 2025, Clover, Square, and Stripe each bring a unique approach to point-of-sale solutions. Whether you run a restaurant, retail store, or hybrid business, understanding these ecosystems helps you make an informed investment.

 

POS Comparison Table

Feature

Clover

Square

Stripe

Hardware

Proprietary POS units

Affordable readers

3rd-party terminals

Setup Fees

Starts $499

Free starter kit

None

Monthly Fees

$9.95–$39.95

$0–$60

None

Integrations

Moderate

High

Very high

Offline Payments

Yes

Yes

No

Customization

Limited

Good

Excellent

Target Businesses

Retail & dining

Small business

Online brands

 

Analysis: Clover’s Strengths

Clover delivers hardware reliability and in-store management like no other. From tableside ordering to advanced reporting, it’s a complete retail POS. However, its hardware-first model makes it less flexible for hybrid or online-focused businesses.

 

Analysis: Square’s Edge

Square sits between Clover’s POS focus and Stripe’s online agility. It’s ideal for small businesses that need easy setup, free tools, and predictable pricing. Square also integrates with eCommerce stores, but transaction fees can increase for higher-volume merchants.

 

Analysis: Stripe’s Role

Stripe is not a traditional POS — it’s a payment infrastructure built for scale. For businesses with online stores or recurring billing, Stripe offers unmatched customization, developer control, and automation potential.

Conclusion

  • Choose Clover for in-store retail efficiency.
  • Pick Square for quick setup and affordability.
  • Go with Stripe for online dominance and flexibility