Credit Card Processing

Clover vs Vital: POS Systems and Credit Card Machines


April 06, 2020

In this corner, Clover: the point of sale and mobile solutions available from processing giant First Data. In this corner, Vital: the newcomer from major processor TSYS. How do they compare?

As First Data and TSYS are competitors, it’s no surprise that TSYS looks to challenge First Data on the equipment front. After First Data’s success with the Clover line of processing machines, TSYS had to do something to catch up. Enter the Vital line.

In this article, we’ll compare the Clover equipment and the Vital equipment to see what you can expect from the different devices.

Disclaimer: CardFellow has partnership agreements with both First Data and TSYS corporate offices, as well as with First Data and TSYS resellers. We do not earn money from First Data, TSYS, or resellers for this article; however, we do earn money if CardFellow members elect to work with TSYS or First Data through our quote marketplace. Read more about how CardFellow makes money.

First Data vs. TSYS

Before we get into the equipment itself, let’s take a quick look at how First Data and TSYS compare.

First Data logo TSYS logo
Established 1969 1983
Headquarters Atlanta, Georgia Columbus, Georgia
Annual Revenue* $9.5 billion $4.1 billion
Public company Yes Yes

*According to Owler company overviews.

Both TSYS and First Data are direct “backend” processors, meaning they aren’t reselling another processor’s services. You can obtain a merchant account from either company directly, or from one of their resellers.

In 2019, Fi-Serv announced it will be acquiring First Data in one of the largest mergers in payment processing history. Later that same year, Global Payments, another large direct backend processor, announced it will be acquiring TSYS.

The Equipment

I’ve had the chance to personally test the entire line of both systems. I have gone through Clover and Vital tutorials, participated in feature update webinars, and extensively reviewed the features of the systems in order to create an accurate comparison.

Both lines of equipment include multiple machines. The Clover line includes the Clover Station 2018 POS system, the stationary countertop Clover Mini terminal, the Clover Flex portable / countertop terminal, and the Clover Go smartphone reader.

Clover terminals

The Vital line includes the Vital Select E13 / E15 POS systems, the Vital Select X8 POS system, the Vital Plus X5 countertop terminal, and the Vital Mobile C3 / C4 smartphone readers.

Vital terminals

Roughly, the Clover Station 2018 lines up with the Vital Select E13/E15, the Mini lines up with the X8, the Flex lines up with the Plus X5, and the Clover Go lines up with the Vital Mobile. That’s how we’ll structure this comparison.

Note that the Clover technically also has another machine (the portable Clover Mobile) which doesn’t have a counterpart in the Vital line. The Mobile is also no longer readily available and many processors don’t sell it. For those reasons, we’re not including it in this comparison.

Clover vs Vital Features

Both the Clover and Vital systems have features that apply to all the equipment in the line, regardless of the machine model. We’ll start with those features and then move into a comparison of the hardware.


Accepting payments is the core feature of all the machines in both lines. Clover and Vital both have the capability to accept chip cards, magnetic stripe cards, and contactless payments (such as Apple Pay) but, depending on the machine, certain methods may require an accessory device.

Both systems have options for accepting signatures on screen, enabling gratuities, and adding sales tax. The Clover system lets you choose whether to offer a cash-back option for customers that want to get cash at the time of purchase.

Both systems also provide the option to split the total for customers that want to pay separately.

Inventory Management

Another core feature is inventory management. Both systems offer the ability to add individual items to inventory, or to create “categories” and assign related items to a category.


Both the Clover and Vital handheld systems allow you to create “categories” within the inventory apps and assign individual items to a category. That lets you quickly locate and item by first choosing its category, rather than sorting through every item in your inventory.

For example, if you’re looking to ring in a Cobb salad, you can first choose the “Salads” category and then locate the salad. This saves you from having to scroll past a jumble of items like burgers, pasta, drinks, desserts, sandwiches, etc. while you search for the right dish.

Where Clover wins out: Adding more than one item to a category at a time is easier on the Clover. That’s great news if you entered items before creating a category, or if you realize later you need to create another or more specific category and move items around.

Where Vital wins out: A nice feature with the Vital categories is the color-coding. When you set a category, you can assign it a color. Subsequently, every item you assign to that category will also have that color, providing a quick visual cue.

Vital POS screenIn the image above, the category “salads” has been assigned the color green. Every subsequent item added to the “salad” category also shows as green. The Clover does not offer this capability.

However, the importance of these features comes down to personal preference. The categories function on both devices is still convenient and easy to use.


Business owners know the importance of accurate reports. Both the Clover and Vital system include reports on several aspects of business, but the Vital reports are more comprehensive and varied. For example, Vital offers a weather overlay that shows the weather (or forecasted weather) for a particular day. This can offer valuable information about why sales may have been up or down for a business that is affected by weather shifts. For example, an ice cream stand may see a big drop in sales on a rainy, cool day. Retailers in general might see sales go down during a big snowstorm, while grocery stores may see sales spike right before that same storm.

However, both systems offer sales reporting that you can filter by transaction type, employee, date, and other factors.


Both Clover and Vital systems provide options when it comes to receipts. You can add a logo and customize the message on the receipt, as well as choose whether to print paper receipts or send them by email or text to the customer.

The Clover system also includes an online link that a customer can visit to view their receipt.

Syncing Across Multiple Devices

Many businesses choose to use multiple devices, but even if you don’t, it’s important to be aware of syncing. Syncing is the process of ensuring that the most up-to-date information and changes are pushed to your devices. You’ll need to ensure machines sync properly whether you make a change from the back office portal / web dashboard for your account, or a machine itself.

Clover syncs automatically. Vital requires you to push a button to sync. It’s not a difficult or time-consuming task, but it is something to keep in mind. If you’re not seeing the latest item you added to inventory or the latest change you made to a setting, that’s likely because you forgot to sync after making the change on another machine or from the back office portal.

Credit Card Processing

As noted earlier, these devices are somewhere between proprietary and universal. The Clover line only works with First Data-compatible processors and the Vital line only works with TSYS-compatible processors. However, there are hundreds of compatible processing companies that work with First Data and TSYS. For that reason, you’ll have a lot of choice in processor.

However, it’s important to note that neither system can be reprogrammed, except by the company from whom you originally purchase it. That means that if you buy a Clover through First Data Reseller A, you can’t use that machine with First Data Reseller B. Even though they’re both First Data-compatible processing companies, the machines can’t be reprogrammed.

Rates and Fees

First Data and TSYS’s large reseller networks mean that you’ll have plenty of options when it comes to choosing a credit card processing company. That company will set the rates and fees that you’ll pay to accept cards using a Clover or Vital system.

Since you can’t switch processors later and still keep your Clover system, it’s important to get a good deal with a processor you’ll stay with for a while.

Credit card processing fees can include per-transaction fees, monthly fees, and other costs. The actual rates will vary depending on a number of factors, including your industry, your monthly volume, your average transaction size, and more.

If you’re interested in using a Clover or Vital system, consider a free CardFellow membership. CardFellow members receive exclusive low pricing and our special rate guard that protects you from sneaky fee increases over time. That means you won’t have to worry about your rates going up once you’re committed to your Clover or Vital system. Become a member to see credit card processing rates instantly.

Monthly Costs

Both the Clover and Vital require a monthly subscription, which they both call a software plan or software fees. The main difference is that Clover has multiple software plans per device, while Vital just has one per device.

For example, if you purchase a Clover Flex, you’ll choose if you want the Payments Plus, Register Lite, or Register software plan. By contrast, if you purchase the comparable Vital machine (the X5 terminal) you’ll need the X5 software plan.

The TSYS method (one software plan per device) is simpler, but it doesn’t give you a choice regarding the costs or features. When you get a Vital system and pay for the required software plan, you’ll have access to all of the functions of that device. I find that convenient, as it means one price for all the features.

With a Clover device, you’ll pick the plan that has the features you want. (Note that certain features require a particular plan.)

Neither option is “better” exactly, it’s just personal preference. The TSYS plan has the benefit of including all features at one price. You pay that cost and you have access to everything that machine can do. With Clover, you may find that some features you want aren’t on your plan and you need to upgrade. (You can upgrade your plan at any time.)

Be sure to check out our article on choosing a Clover software plan for more info on those plans.

Lastly, Clover pushes its app marketplace as a way to customize your machine with the features you need. However, some apps have an additional monthly charge beyond the software plan cost.

Note: These monthly costs only refer to the software fees and apps. You may also have a monthly fee to accept credit cards.

Hardware Comparison

With general features, software costs, and details on credit card processing out of the way, let’s take a look at how the machines themselves compare.

Clover POS vs. Vital POS Select E13/ E15

Technically, there are two Clover Stations and two Vital Select E-series systems. However, Clover is phasing out the older of the two Stations (the one simply called “Clover Station”) and moving forward with the Clover Station 2018. The 2018 is not backward compatible, and accessories from one system are not compatible with the other.

For the purposes of this comparison we’re referring to the newer model, the Clover Station 2018.

Regarding the Vital systems, the only difference between the Select E13 and the E15 is the tablet’s screen size. (That is, 13” for the E13, and 15” for the E15.) I tested the E13. For the purposes of this comparison, I’ll refer to that one. However, know that any features referenced for the E13 apply to the E15 as well.

Clover POS vs Vital POSImage not to scale.

Hardware, Operating Systems, and Power

The Station 2018 and Vital E13 both run on Android operating systems and feature color touchscreens. However, the Clover Station can run on battery for a short period, while the Vital must be plugged in to function.

The Vital POS comes with an attached locking cash drawer. The Clover POS is compatible with cash drawers, but the system is not attached to one. The Vital system also features a built-in receipt printer. The Clover system does not. (Though, again, it is compatible with receipt printers.)

Card Readers

While both systems have the ability to accept all types of card payments (magstripe, EMV chip, and contactless) the only one built-in on the Vital is a magstripe reader. If you want to take chip cards and contactless payments, you’ll need to connect a PAX PIN pad. By contrast, the Clover Station comes with a built-in reader for all three card types.

Both systems can accept PIN debit, but require an external PIN pad or machine to do so. (For the Clover, it’s the Mini. For the Vital, it’s a PAX PIN pad.)

Logins and Employee Permissions

Both systems let you set a passcode to sign on, but the Clover POS also allows fingerprint login, which the Vital does not.


The cost for the machines varies depending on where you buy it. However, you can expect to see starting costs as follows.

  • Clover Station with printer and cash drawer: starts at $1,049
  • Vital POS E13 with PAX PIN pad: starts at $1,600

Note that these costs may be higher or lower depending on the processor from whom you purchase it. Some processors may also offer free equipment, but keep in mind that “free” machines often come with much higher rates for credit card processing.

Read more about the Clover POS.
Read more about the Vital POS.

Clover Mini vs. Vital Select X8

The Mini and Select X8 are the smaller footprint POS systems. The Mini is short and compact while the Select X8 is taller and narrower.

Clover Mini Vital X8Appearance-wise, the Mini wins out in my opinion. It has a sleeker, more modern look compared to the X8’s bulkier frame. However, both devices feature a convenient touchscreen and can accept payments from a variety of methods.


The Mini can be used as a stand-alone terminal or “tethered” to a Clover Station 2018 as a customer-facing display. The X8 is designed to be used as a stand-alone terminal and includes a customer-facing display on the backside of the machine. Both are intended to be stationary, despite their relatively small sizes and light weights.

Both the Mini and X8 have built-in receipt printers, but also offer the option of emailing receipts instead. Neither device come with a cash register, but can connect to one.


As with all credit card machines, the cost for a Mini or Vital X8 depends on where you purchase it. In general, you can expect starting costs as follows.

  • Clover Mini: Starts at $499
  • Vital X8: Starts at $1,199

Pricing subject to change.

Read more about the Clover Mini.
Read more about the Vital Select X8.

Clover Flex vs. Vital Plus X5

Clover’s Flex and Vital’s Plus X5 are the countertop terminal options of the lines. The two devices look very similar. They’re both handheld units with color touchscreens and white / glass styling.

Clover Flex Vital X5

However, the Vital’s more compact design makes it look more appealing than the bulkier Flex.

Physical Differences

Between the two, the Vital Plus X5 is the smaller and more portable device. The Flex is longer due to the NFC pad at the top, as opposed to underneath, as it is on the X5. However, like the X5, the Flex is shaped for holding it securely. But it’s also heavier.

If you intend to use the machine as a portable device, the Vital is lighter and more comfortable to carry. However, the difference isn’t noticeable enough to make or break the decision.

In most cases, the Clover wins out as the better-looking device. But when it comes to the portable options, the Vital X5 simply looks sleeker and offers the same functions in a more compact and lightweight machine.

Operating Systems and Specifications

Both devices run on the Android operating system and function on battery power or plugged in. The Flex includes a charging dock while the X5 just has a power cord to charge directly.


As credit card machines rather than full POS systems, both the Flex and Plus X5 come in at lower price points than their larger counterparts.

  • Flex: Starts at $449
  • Plus X5: Starts at $599

The actual cost you’ll pay will vary depending on where you purchase the machine. Keep in mind that processors offering “free equipment” typically charge higher rates or fees elsewhere to make up for it.

Read more about the Clover Flex.
Read more about the Vital Plus X5.

Clover Go vs. Vital Mobile

The Go and Mobile are the smartphone reader options. They’re the least versatile, as they’re intended for basic on-the-go transactions.

Clover offers one device, the Clover Go reader, which connects via Bluetooth. It accepts magnetic stripe, EMV chip, and contactless payments. Vital offers the C3 and C4 readers, both of which connect via Bluetooth. The  C3 accepts magnetic stripe and EMV chip payments, while the C4 accepts both of those types plus NFC contactless payments.

Clover Go vs Vital Mobile

Both offer an app that includes simple payment acceptance options and the basic item catalogue / inventory management.

Ready to choose your Clover or Vital device? Sign up for a free CardFellow membership to see credit card rates and fees for your business and get pricing for the device of your choice. Try it now!

Ben Dwyer

BY Ben Dwyer

Ben Dwyer began his career in the processing industry in 2003 on the sales floor for a Connecticut‐based processor. As he learned more about the inner‐workings of the industry, rampant unethical practices, and lack of assistance available to businesses, he cut ties with his employer and started a blog where he could post accurate information about credit card processing. As the blog gained in popularity, Ben began directly assisting merchants in their search for a processor. Ben believes in empowering businesses by providing access to fair, competitive pricing, accurate information, and continued support. His dedication to transparency and education has made CardFellow a staunch small business advocate in the credit card processing industry.

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