Moneris vs Clover

Moneris vs. Clover: Which commerce solution is right for your Canadian business?

Moneris brings 25 years of proven Canadian expertise and support to 1 in 3 Canadian businesses1.
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Why Canadian businesses choose Moneris over Clover for payments, POS systems and long-term growth.

Powering more than 5 billion transactions every year in Canada¹, Moneris brings payments, POS systems, ecommerce, mobile payment acceptance, modern APIs, flexible integrations and Canadian payment methods such as Interac Debit and Konek™ together in one connected commerce ecosystem. Moneris combines more than 25 years of Canadian commerce expertise with local support and solutions designed around the needs of businesses across Canada.

Clover brings Fiserv’s cloud-based POS and business management technology together with payments, ecommerce capabilities and an extensive app marketplace. In Canada, Clover is offered through providers such as TD Merchant Solutions.

 

 


  • Moneris
  • Clover

How is Moneris better than Clover for your Canadian business?

For many Canadian businesses, Moneris stands out over Clover by bringing in-store, online and on-the-go commerce together in one flexible ecosystem. Its solutions can connect with existing POS systems, custom applications and specialized payment environments, giving businesses more freedom to build around how they operate today—and scale across channels, locations and evolving customer needs. Here’s how Moneris and Clover compare across pricing options, Interac Debit acceptance, integrations, support and more.

Devices

  • Moneris

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  • Clover

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Capability

Canada-first market focus
Only operates in and focuses on Canadian market
No, owned by US-based company Fiserv
Interac debit depth
Deep native support, low flat fee
Supported; less central to a US-first platform. Flat fee
Banking and deposit advantage
Next-day deposits for eligible BMO and RBC business accounts
Deposit time depends on the merchant’s processing provider and funding schedule
Transparent public pricing
Flat-rate and simplified pricing options published on Moneris Online Payment Fees: Accurate E-commerce Pricing | Moneris
Pricing typically via a partner quote
On-site field service
Yes, Moneris Field Services offers end-to-end deployment, installation, training, maintenance and on-site support across Canada
Varies by reseller
Live phone support
Yes, Moneris offers 24/7 local bilingual (English and French) phone support with access to a real person
24/7 phone support through Clover’s support team
Virtual assistance
Monique virtual assistant offers quick answers and guides merchants to the support they need offers quick answers and guides merchants to the support they need
Goodcall, Clover’s third-party AI phone assistant
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Why Canadian businesses choose Moneris over Clover

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Built for Canadian businesses

For over 25 years, we’ve proudly provided commerce solutions designed for the unique needs of Canadian businesses and the communities they serve.
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24/7 local support

Connect to real people in real time with trilingual customer support that’s there for you when you really need it—all day, every day.3
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On-site help across Canada

With 350+ field and bench technicians, Moneris Field Services provides hands-on deployment, commerce expertise and ongoing support to help businesses get set up and stay operational.
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Fraud protection 

Our ecommerce solutions come equipped with fraud prevention tools, like Kount® Essential and 3-D Secure 2.0.4
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Built for what comes next

We facilitate a seamless transition from your first "Open" sign to enterprise-level operations. As your business grows, Moneris helps you manage more locations, transactions and day-to-day complexity.
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More ways for customers to pay

Accept the payment methods Canadians use every day, including Interac Debit, major credit cards, contactless payments and supported digital wallets.
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Moneris offers pricing that fits how you do business—with zero hidden fees.

From growing businesses to established ventures, Moneris offers pricing options designed around your unique needs instead of a one-size-fits-all model.

Card-present

2.65%

+ $0.10
Per credit card transaction
Sign up online

Accept in-person payments with a Moneris point-of-sale device.

2.65% + $0.10
per successful credit card transaction

Interac® Debit: $0.12
per successful debit transaction

Card-not-present

2.85%

+ $0.30
Per credit card transaction
Sign up online

Accept payments made through your website or by phone. 

2.85% + $0.30
per successful credit card transaction

Interac® Debit: $1.00
per successful debit transaction

From independent businesses to national franchises, Moneris delivers commerce solutions tailored to your industry.

Beyond the simple transaction lies a scalable commerce engine designed to power growth. We deliver industry-specific tools to help you scale your business with confidence.
Enterprise ⟶ Health and beauty ⟶ Mirco business ⟶ Not-for-profit ⟶ Professional services ⟶ Public sector ⟶ Restaurants ⟶ Retail ⟶ Small business ⟶ Trades ⟶

Sync your operations with the industry-leading software you depend on.

Connect Moneris with trusted retail, restaurant and business software partners to streamline operations, simplify payments and support growth.


Read why Canadian businesses trust Moneris to support their operations.

  • We’ve been with Moneris since the beginning. They were just the way to go. In recent years, we’ve received a lot of calls from alternative payment processors, selling us their business and telling us why we should switch over. But everything has been running smoothly, especially in the last year, and we’re happy with our experience
    denise hayes

    Nancy Condon

    Co owner, Gingerbread Toys

  • The City was seeking consumer location and spending data to help them gain greater insights surrounding the impact of the pandemic and reached out to Moneris to help fill the gap.

    Kevin Dekok

    Economic Development Officer, City of Brantford

  • Having the reporting available on all of our devices throughout the restaurant makes it especially convenient for us to quickly gauge how the restaurant is performing on any given day.

    Rosemary Woods

    Co-Founder & Co-Owner, Funky Chow Kitchen

Frequently asked questions about why businesses choose Moneris over Clover.

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MONERIS and MONERIS & Design are registered trademarks of Moneris Solutions Corporation. All other marks appearing on this page are the property of their respective owners.

1 Moneris data, 2025.

2 Nilson Report, October 2025, Issue 1294.

3 There may be certain events, circumstances or incidents outside our control that disrupt the service or otherwise delay deposits. Funds availability is subject to client agreements.

4 Fraud prevention tools are only included with flat-rate pricing and can only be used for ecommerce, not in-person.

5 Competitive information on this page was collected as of July 24th 2026 and is based on information publicly available on Clover.com. This information is subject to change or update without notice. Moneris does not make any representations as to the completeness or accuracy of the information on this page.