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It's a split decision.
These are not like-for-like products. Choose Splitit if you want shoppers to split a purchase across an existing credit card, with up to 12 installments and no new loan application; merchant plan prices are not published. Choose Clover if you need a POS for payments, inventory, staff, and reporting: its Starter software option is $0/month, but processing fees apply, and hardware bundles can carry 36-month commitments. For checkout financing, Splitit fits; for running a store or restaurant, Clover does.
01Side by side
| Splitit | Clover | |
|---|---|---|
| Starting price | Custom quote; Essential adds no cost beyond processing | $0 software Starter; payment processing fees apply |
| Free plan | No free plan | Yes; $0 Starter software option |
| Best for | Merchants adding card-based installments at checkout | Merchants needing POS and business management |
| Core strength | Installments on shoppers’ existing credit cards | Payments, inventory, staff, and business reporting |
| Learning curve | Not published | Not published |
| Integrations/data | Integrations and data tools not published | Real-time sales, tax, and product reports; integrations not published |
| Team/seat costs | Per-seat pricing not published | Per-seat pricing not published; extra devices $11.95–$19.95/month |
| Support | Support details not published | Support details not published |
Splitit Choose Splitit if
- Choose Splitit if shoppers should pay installments with an existing credit card.
- Choose Splitit if you want to avoid a new loan application.
- Choose Splitit if offering up to 12 installments fits your checkout.
Clover Choose Clover if
- Choose Clover if you need POS payments, inventory, and reporting.
- Choose Clover if your business needs employee and shift management.
- Choose Clover if a $0 Starter software option suits your setup.
02Pricing compared
These products are priced for different jobs. Splitit’s merchant plans are custom quoted; monthly and annual prices are not published. Its listed plans allow up to 12 installments and a $10,000 default maximum order. Consumer APR varies by plan: Essential and Flex list 0–35.99%, while Premium and Premium Lite list 0%. The pricing information is marked low confidence.
Clover’s Starter software option is $0/month, but payment processing fees apply: 2.6% + $0.10 for in-person payments with purchased hardware, and 3.5% + $0.10 for keyed-in payments. Paid plans start at $29.95/month for Essentials; eligible merchants get a 90-day trial. Growth plans cost more, while restaurant hardware bundles can require a 36-month commitment. Clover also lists add-on costs, including a $5/month security fee per MID and device fees. Its pricing information is marked medium confidence.
03Features and depth
Splitit is a checkout-payment option, not a point-of-sale system. It lets shoppers divide a purchase into installments on an existing credit card, without applying for a new loan or undergoing a credit check. Card installments can retain the card’s cashback, points, or air miles. The shopper must pay the card balance in full each month to avoid interest under the card’s terms. Splitit also lists pay-after-delivery and digital-wallet installments; wallet installments carry a finance charge. The listed plans allow up to 12 installments, with a $10,000 default maximum order.
Clover is the broader merchant platform. Its listed tools cover chip, contactless, magnetic-stripe, and keyed payments, plus refunds, tips, and offline mode. It also offers inventory tracking, barcode scanning, low-stock alerts, employee permissions and shifts, online ordering, invoices, pickup and delivery management, customer and loyalty tools, and sales and product reporting. Choose Splitit to offer installment checkout; choose Clover for POS and business operations. Neither is a direct substitute for the other.
04Ease of use and learning curve
The easier choice depends on what you need to set up. Splitit’s shopper-facing proposition is narrow: pay in installments with an existing credit card, without a new loan application. But merchant pricing is custom quoted, and plan terms differ, so get the APR, fees, and funding details before adding it to checkout. Geographic availability is not published on the vendor's site.
Clover bundles more jobs into one platform, which means more decisions around software plans, processing, devices, and hardware commitments. Its pricing lists extra-device fees and 36-month hardware bundles for some restaurant plans. A published review gives Clover 5/10 for ease of use and Splitit 6/10, but those scores do not explain setup requirements. Compare the exact plan and equipment you need before switching.
Questions people ask
Is Clover a credit card processor?
Clover is a POS and business-management platform that accepts card payments. Its listed pricing includes processing rates, such as 2.5% + $0.10 in person on Essentials and 3.5% + $0.10 for keyed-in payments. The published information does not name the processing provider or explain whether it varies by merchant.
Is it hard to get approved for Splitit?
Splitit says shoppers can use an existing credit card without applying for a new loan or undergoing a credit check. That does not establish merchant approval requirements, which are not published on the vendor's site. Shoppers still need an eligible existing card and must follow its terms.
Is Clover really fee free?
Not entirely. Clover’s Starter software option is listed at $0/month, but processing fees still apply: 2.6% + $0.10 for in-person payments with purchased hardware and 3.5% + $0.10 for keyed-in payments. Other plans, hardware, devices, and add-ons can carry separate charges.
Where does Splitit work?
Geographic availability is not published on the vendor's site. Splitit’s described function is installment checkout using a shopper’s existing credit card, but the material does not list supported countries, card networks, or merchant platforms. Confirm availability and integration details with Splitit before committing.