Clay Pay vs Clover

Clover is a hardware-and-software ecosystem distributed mostly through banks. The hardware is good. The processing rates and contract terms underneath it depend almost entirely on which bank or ISO sold it, which is why two Clover operators on the same hardware can be paying very different effective rates.

Pick Clay Pay if

• You inherited Clover from a bank rep and the rate has crept up unexplained
• You want interchange-plus on Clover hardware (we support it)
• You need vendor neutrality across Clover, Toast, SkyTab, NRS, and others
• You operate multiple locations and want one statement, one rep, and one payments architecture
• You want chargeback support, dispute representment, and underwriting that survives a vertical drift

Pick Clover if

• You like the existing Clover hardware and software and want to keep using it (we resell it too)
• You explicitly want to stay with whichever bank ISO is currently servicing you
• Your business banking relationship is tied to processing being on the same bank