QuickBooks Money vs Clover

PayPal

FreshBooks

Square Point of Sale

Square Payments

Toast POS

Global Payments Integrated

Compare QuickBooks Money and Clover based on features, pricing, verified reviews, integrations & more on GetApp. Find out which software is best for your business in 2026.

PayPal provides an end-to-end suite of tools that can integrate with a business's existing systems and service providers. Its network of shoppers and businesses provides AI-driven data insights to help businesses reach new customers and drive results.

QuickBooks Online

QuickBooks Online is an all-in-one online business software designed to help manage business finances. The platform is built to scale businesses, unlocking insights and providing the functionality of a larger team, all on one integrated platform.

Abby

Abby helps businesses ensure that customer documents are legal and comply with the rules. Customers can pay online and receive reminders for late payments.


QuickBooks Money is a payment management and mobile payment gateway allowing vendors to process credit card transactions via mobile application. The payment platform uses a credit card reader plugin enabling users to process payments and request customer electronic signatures via a touch screen.

ACH Payment Processing

Billing & Invoicing

Cash Management

Contactless NFC

Credit Card Management

Credit Card Processing

Customizable Branding

Customizable Invoices

Data Security

Debit/Credit Card Processing

Digital Wallet

Electronic Signature

Financial Management

Invoice Creation

Invoice History

Invoice Management

Invoice Processing

Mobile Access

Mobile Card Reader

Mobile Payments

Multiple Payment Options

Online Invoicing

Payment Processing

Purchasing & Receiving

Real-Time Reporting

Receipt Management

Recurring/Subscription Billing

Reporting/Analytics

Sales Reports

Sales Tax Management

Transaction History

QuickBooks Money

Web-based

iPhone

iPad

Android

Basic

Business Owner

I like that it comes with a card and instant access to your funds after receiving a payment and that it allows echeck payments.

Co-Founder

Makes it easy for a customer to receive an invoice and pay using a link emailed to them - the easiest way to accept ACH payments.

Admin

Office Manager

It allows for simple payment for processing of invoices, and enables quick invoice set up even when on site.

Their slightly higher price can be explained by their awesome customer support, helping with every problem a customer could have.

Managing Consultant

Some parts, particularly in payroll can be confusing to start.

Owner

The reason I do not recommend this HYSA is that it is on average a full 1.00% APY beneath other similar products on the market, without any other major benefit that makes it worth it to use this product over a competitor.

helps manage backing and payment management.

Like other online HYSA options, this one was simple to use, and did not have many "in the way" policies like high minimums or transaction fees.

I do sometimes have issues with the app but that just might be a bug and the app needs to be updated.

Principal

Pretty good, like I said would be better to have USA customer service that could understand english and be understood

It works really well for us to track out p&L

Owner, Provider

Multiple vendors that I need to pay utilize QB Money.

no monthly fee for a business checking account.

The credit card processing fees are very high.

Mobile Notary

Their customer support is only limited to weekdays.

I have only used QB Money as a payor, so I don’t have any negative opinions.

Marketing Director

Invoice I received was easy to pay by credit / debit card online

Administrative Assistant

Part of that is also because of how visually "clean" it is.

I also like that their monthly fee is zero dollars.

Nurse practitioner

My buisness has improved significantly since using.

Very satisfied except for the high processing fees.

Business Manager

Makes for a seamless transaction for both parties - literally just a click of a button.

Office Administrator / Officer 

The only real issue I think is that the fees can add up quick!!! If a customer pays with a credit card it's 2.4% plus $.25 each transaction. Although that is typical it just adds up very quick especially if it's a large transaction.

Billing

Fast and convenient way to handle finances

Founder

Doesn't matter if the funds never reach your account.

What they don't tell you is that if you customers pay through ACH instead of credit card the max you will pay for a fee is $10. If we had known this all along we would have saved a lot of money.

Highly used program by many businesses so it’s easy to use and pretty self explanatory.

If it works, it auto-matches the invoice created in QBO.  

freelance creative

the built-in inventory management system is totally designed mainly for businesses tracking and the stock levels of the finished goods.

Expect LONG support calls and very weak support staff that do not know how to fix your issue.

secretary

it's easy to do payments, and can use payment methods like ach, debit or credit card.

Not much to say about dislikes of this feature

Founder/Owner

So it's not our primary processor (our website uses PayPal and Stripe), but until a recent MAJOR VULNERABILITY was discovered, my experience with QB Payments was fine.

I learned the hard way that QB will "pre-fund" ACH transactions and merchants have no option to toggle this option off.

owner

It should already be included in the monthly rate.

I already pay a monthly membership fee to use QuickBooks.

Waiting on check to hit my bank for 2 weeks.

So it saves a book-keeper a few clicks.  

Still has not been released as of me writing review.

Associate

It's a little expensive and I wish I could keep track of my money in other accounts, not just this one.

They request items individually and not all at once so the process drags out.

realtor

the trail period is pretty short and it's a little pricey compared to other similar softwares

Pricing

Customer Support

Inventory Tracking

Bugs and Issues

Rates

Features

Ease of Use

Account Management

Transaction Review

Mid-size Business

Small Business

Large Enterprises

Freelancers

Intuit

Stripe

Stripe is a financial infrastructure platform that enables businesses to accept payments online and in person. It offers a suite of APIs for payment processing, subscription management, fraud prevention, and financial services integration Stripe provides both developer-focused tools with extensive documentation and no-code solutions for businesses without technical staff.

Square Point of Sale is a POS solution for Android and iOS devices which includes tools for managing payments, digital receipts, inventory, reports, and more.

Clover is an all-in-one platform designed to help on and offline retailers, quick service restaurants, and other service businesses manage their point-of-sale operations, with secure payment solutions and reliable business management features

Access Controls/Permissions

Accounting

Activity Dashboard

Appointment Management

Barcode Recognition

Barcode/Ticket Scanning

Commission Management

Contact Management

Customer Accounts

Customizable Reports

Delivery Management

Discount Management

eCommerce Management

Electronic Payments

Employee Management

For Bars/Clubs

For Food Trucks

For iPad Devices

For Liquor Stores

For Restaurants

For Retail

For Salons and Spas

Gift Card Management

Inventory Control

Inventory Management

Item Management

Loyalty Program

Multi-Location

Online Ordering

Order Management

Partial Payments

Point of Sale (POS)

Pricing Management

Product Catalog

Reporting & Statistics

Restaurant POS

Retail Inventory Management

Retail Management

Retail POS

Returns Management

Returns Tracking

Scheduling

Separate Checks

Shopping Cart

SMS Marketing

Split Checks

Table Management

Third-Party Integrations

Tips Management

Touch Screen

Transaction Monitoring

Website Integration

Some users say Clover offers fair pricing for basic needs and reviewers appreciate competitive processing rates and affordable third-party apps. However, some reviewers feel extra costs, inflexible contracts, and expensive add-ons diminish overall value for money.

Value for money

By industry, Clover reviewers are most commonly professionals in retail (15%). The most frequent use case for Clover cited by reviewers is payment processing (55% of reviewers).

Clover

Windows

Linux

It allows me to keep track of inventory and sales on a daily basis even when im away from the store.

Anything and everything

A duplicate charge caused by clover system during a service outage cannot be refunded—by me or by their support team.

The customers also like this machine, which allows them to use tap/Apple Pay and to manually enter their card information if they do not have their card physically with them

Overall I like Clover better than other payment processors for value, ease of use, and ability to maintain mobile payments - but know that if you're using them across many stations, you will need early controls!

Manager

We had to type in the amount of the transaction which would sometimes result in an incorrect amount being charged to the client instead of connecting with our software to pull up the amount automatically.

Practice Manager

Clients comment all the time how quick and hassle less check out is and our older clients love how visible the screens are.

Reports are always missing key details.   If you want a complete system, you will have to purchase many upgrade apps with high monthly fees, just to have the most basic of features.  

QuickBooks Money vs Clover Comparison (2026)

QuickBooks Money

Clover

Overview

Video & Screenshots

Pricing

User reviews

Key features

Integrations

Alternatives