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.
|
4.3/5
Moneris' Trustpilot score
|
3.9/5
Clover's Trustpilot score
|
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.5
Capability |
Moneris |
Clover |
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 |
Why Moneris fits the way Canadian businesses sell, operate and grow.
Compare Moneris and Clover to see how Canada’s No. 1 merchant acquirer² helps businesses get set up, stay operational and scale with on-site installation, 24/7 bilingual support and connected commerce solutions.
|
Moneris |
Clover |
24/7 Local Canadian Support |
Yes. 24/7 local Canadian support with a direct Moneris support model. |
Yes. 24/7 phone support through TD Merchant Solutions; support is delivered through the provider relationship. |
Accept KONEK™ from Interac |
Yes |
No |
Accessible Payment Terminals |
Accessibility mode with high-contrast displays, larger text, and guided audio on select Moneris Core terminals. |
Accessibility features vary by device, with no equivalent dedicated accessibility mode highlighted across its Canadian terminal lineup. |
Bilingual (English & French) Support |
Yes. 24/7 bilingual support directly from Moneris. |
Yes. 24/7 bilingual support offered through TD Merchant Solutions. |
Canadian Payment Expertise |
Yes. Canada-focused expertise and payment solutions, including Interac Debit and KONEK™. |
Supports Canadian payments, including Interac Debit. |
Chargeback Support |
Yes |
Yes |
Choice Across Hardware Manufacturers |
Devices from PAX, Ingenico, and Verifone while maintaining a consistent Moneris Go platform. |
POS software primarily runs on Clover hardware. |
Connectivity |
Wi-Fi, LTE, Bluetooth |
Wi-Fi, LTE, Bluetooth |
Custom Pricing |
Available based on business needs, setup, and processing requirements. |
Custom quotes available based on selected hardware, software plan, and processing setup. |
Direct Payment Processor (No Third-Party Gateway Required) |
Yes |
No. Third-party gateway required. |
Dynamic Currency Conversion |
Yes. Automatically detects eligible foreign Visa and Mastercard cards and offers payment in 100+ currencies with settlement in CAD. |
Yes. Available for eligible Visa and Mastercard transactions in supported currencies. |
Ecommerce Checkout |
Yes |
Yes |
End-to-End Ecosystem (Hardware + Software + Payments) |
Yes |
Add-on required |
Fraud Tools & Security |
Yes |
Yes |
Gift Cards |
Yes |
Yes |
Hardware Flexibility |
Standalone, wireless, portable, integrated, and weatherproof unattended terminals for existing POS systems, custom applications, and specialized payment environments. |
Countertop, handheld, and self-ordering devices designed to work within the Clover ecosystem. |
Integrated Hardware + Payments Solution |
Yes |
Yes |
Invoicing Capability |
Yes |
Yes |
Loyalty Program |
Yes. Moneris Loyalty Program. |
Available via add-on. |
Mobile Management App |
Yes. Moneris mobile tools. |
Yes. Clover app. |
Multi-Currency Pricing |
Yes. Online customers can view and pay in their chosen foreign currency, with settlement and reporting in CAD. |
Yes. Supports ecommerce payments and refunds in regional currencies for eligible Visa and Mastercard transactions, with settlement in USD. |
Multi-Location Management |
Yes |
Yes |
Omnichannel Commerce (In-Person POS + Ecommerce) |
Yes |
Yes |
Omnichannel Inventory Management |
Yes. Automatically syncs inventory, orders, and reporting across stores, locations, and a Wix-powered ecommerce website via Moneris Total Commerce. |
Yes. Tracks inventory across sales channels, with ecommerce syncing through Clover apps and integrations. |
On-Site Installation & Support |
Yes |
Depends on reseller |
Operating System |
Android-based |
Android-based |
PCI PTS Compliance |
Yes |
Yes |
Pricing Model |
Flat-rate and simplified pricing options. |
Package-based pricing with hardware and software costs, plus per-transaction processing fees. |
Recurring Payments |
Yes |
Yes |
Reporting Dashboards |
Yes |
Yes |
Moneris vs. Clover POS system comparison for Canadian retailers
From inventory and employee management to checkout and customer engagement, compare the retail POS features and add-ons Moneris and Clover offer.
*Based on Moneris Go Retail capability |
Moneris |
Clover |
Retail POS system |
Moneris Go Retail POS / Moneris Total Commerce |
Clover Register |
Omnichannel commerce |
Unified retail POS, inventory and reporting with a Wix-powered online store through Moneris Total Commerce |
Connects in-store and online selling through Clover’s ecommerce tools and integrations |
Inventory tracking |
Yes |
Yes |
Bulk product upload |
Yes |
Yes |
Product variants |
Yes |
Yes (Register plan) |
Barcode scanning on POS terminal |
Yes (built-in scanner on Moneris Go Terminal) |
Yes (built-in camera on Clover Station Solo and Mini) |
Custom sales for flexible pricing |
Yes |
Yes |
Customer profiles and management |
Yes |
Yes |
Real-time reporting dashboards |
Yes (web and on device) |
Yes (Clover Dashboard) |
Gift cards (physical and digital) |
Yes |
Yes (via Clover gift cards app) |
Loyalty integrations |
Yes (third-party partners) and the Moneris Go App Marketplace for terminals)
|
Yes (via App Market) |
Split tender payments |
Yes |
Yes |
Refunds and returns |
Yes |
Yes |
Mobile POS on Android and iOS (Tap to Pay) |
Yes (Tap to Pay on iPhone and Tap to Pay on Android) |
Tap to Pay on iPhone, Clover Go reader on iOS and Android |
Employee permissions and roles |
Yes |
Yes |
Discounts (percentage and dollar) |
Yes |
Yes |
Run software in a browser or on a terminal |
Yes (any web-enabled device or Moneris Go Terminal) |
Primarily Clover hardware, web dashboard for admin |
POS System pricing |
$10/month software fee + $34.95/month terminal rental fee + processing fee |
$9.95 to $39.95/month for retail plans + hardware fee + processing fee |
Canadian-based bilingual support (English and French) |
24/7 bilingual support directly from Moneris in Canada |
24/7 bilingual support is available through Canadian providers such as TD Merchant Solutions |
Compare Moneris and Clover restaurant solutions across every stage of service.
See which POS system is better equipped to keep orders moving, teams connected and service running smoothly across your restaurant.
Restaurant Capability
|
Moneris Go Restaurant POS |
|
Menu management and customization |
Yes |
Yes |
Colour-coded buttons for quick service |
Yes |
Yes |
Quick service restaurant workflow |
Yes |
Yes (Counter Service plan) |
Full-service and table service workflows |
Yes (through TouchBistro integration) |
Yes (Table Service plan) |
Kitchen Display System (KDS) |
Yes ($9/month add-on) |
Yes (Counter Service and Table Service plans) |
Kitchen printing |
Yes |
Yes |
Order management (in-store, pickup, delivery) |
Yes |
Yes |
Online ordering |
Yes (UEAT online ordering) |
Yes (Clover Online Ordering) |
Pay-at-Table |
Yes (TouchBistro and Moneris Go integration) |
Yes (via Clover hardware) |
Tip management |
Yes |
Yes |
Split bills and split tender |
Yes (with TouchBistro integration) |
Yes |
Employee permissions and PIN approvals |
Yes |
Yes |
Real-time reporting and cloud dashboard |
Yes (Cloud-based reporting dashboard accessible from desktop, laptop or mobile devices with Moneris Portal) |
Yes (Clover Dashboard) |
Self-serve kiosk option |
Yes (Moneris Kiosk for restaurants) |
Add-on required |
Tablet POS (iPad) |
Yes (iPad-based for front-of-house) |
Yes (Clover hardware-based) |
Integrated payments on a smart terminal |
Yes (Moneris Go Terminal) |
Yes (Clover Mini, Flex, Station) |
Software pricing |
Starts at $30/month + $9/month Kitchen Display System (Hardware) |
$49.95/month (Counter Service) or $79.95/month (Table Service) |
Canadian-based bilingual support (English and French) |
24/7 bilingual support directly from Moneris in Canada |
24/7 bilingual support is available through Canadian providers such as TD Merchant Solutions |
Beyond the restaurant POS
|
Moneris |
Clover |
Third-party delivery order aggregation |
UEAT Hub centralizes orders from third-party online ordering apps and sends them to the restaurant’s POS, KDS or Uboard tablet |
Supports online ordering and delivery through Clover tools and partner integrations |
Custom-branded mobile app |
UEAT builds and publishes a restaurant-branded ordering app for the App Store and Google Play |
X |
Cross-channel menu management |
Uboard manages menus, pricing, locations, sales channels and incoming orders from one tablet |
Menus and orders can be managed through Clover and supported apps |
Peak-period order controls |
Restaurants can pause sales channels and adjust preparation times during busy periods through UEAT Hub |
Limited — restaurants can pause online orders, but comparable prep-time controls across ordering channels are not highlighted |
Self-ordering Kiosk |
Yes |
Yes |
Why Canadian businesses choose Moneris over Clover
Built for Canadian businesses
24/7 local support
On-site help across Canada
Fraud protection
Built for what comes next
More ways for customers to pay
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.Sync your operations effortlessly 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
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
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%
+ $0.10Accept 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%
+ $0.30Accept 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
Frequently asked questions about why businesses choose Moneris over Clover.
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.