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Clover Go Review


The Clover Go is a versatile smartphone credit card processing option from one of the world’s largest processors, First Data. It allows you to accept payments wherever your business takes you.

Your customers will love being able to use credit cards to purchase your products or services whether it’s at a flea market or in their home. With the Clover Go, you can take major credit and debit cards, including new EMV chip cards, and contactless (NFC) payments like Apple Pay. That makes it the first mobile processing option that can take magnetic strip cards, chip cards, and contactless payments using one device. (Rival Square offers a magstripe/chip card combo or an chip card/NFC combo, but doesn’t currently have a device that accepts all three.)

But these days, there are lots of options for mobile credit card processing. Read on to see if the Clover Go is the right choice for your business. 

Using the Clover Go

Clover Go is compatible with both Android and Apple smartphones and tablets. It will work anywhere that you have a Wifi connection or cell service. To use the Clover Go for taking cards, you’ll need a merchant services account with a processor that is compatible with First Data systems. That doesn’t mean that you need a direct account with First Data – you just need an account with a credit card processing company that works on the First Data platform. You can get customized quotes for taking credit cards using the Clover Go with this handy quote request tool

The Go is the only Clover option that allows for multiple merchant IDs. If you have multiple people with their own merchant accounts (such as salons with stylists that rent a chair) and want to use one machine, Go is the only choice within the Clover family. 


Clover Go includes several helpful features. You can set tax rates, give customers the option to add a tip, email or text receipts to your customers at the end of transactions, and manage multiple employee accounts with specific permissions for each employee, ensuring that only managers have access to management functions or only authorized employees can issue refunds. A multi-user feature lets management view retail time sales data while employees are out in the field taking payments. And if customers want to pay with cash, you can keep track of those transactions as well for easy accounting. 

Version 2.0 Feature Updates

In autumn 2016, a second version of the Clover Go was released. As mentioned, this version is the first smartphone option that accepts all three current common ways of paying – traditional magnetic stripe credit and debit cards, EMV chip cards, and contactless (NFC) payments like Apple Pay or Android Pay. First Data also claims that chip card authorization takes less than 4 seconds – a much faster authorization than customers are experiencing at some locations that take chip cards. 

The new Clover Go also offers Bluetooth connections, meaning it will be usable with iPhones even if Apple removes the headphone jack, as is rumored to be happening on future iPhones. The First Data video below provides an intro to the new Clover Go:

The Clover Go app works seamlessly among multiple Go hardware products. The example First Data provides is a delivery service. A pizza shop could start a transaction on a Clover POS system when taking the order by phone, and the delivery employee could finish that same transaction on the Clover Go when bringing the food to the customer’s house.


When you use Clover Go, you benefit from First Data’s TransArmor security. TransArmor helps protect customer data using encryption and tokenization technology. The Clover Go is PCI PTS 3.1 certified. The Clover Go app doesn’t store card information or sensitive details on your phone or tablet. 


An online dashboard lets you easily access reports for your business and track cash sales. Clover Go’s Insightics reporting offers clear details on sales activity along with insights on other local companies in your industry. You can manage your business from any internet-connected device.

Customer Support

Clover Go comes with customer support available 24 hours a day, 7 days a week. If you have a problem or question about your Clover Go, you’ll be able to reach customer service to help you so you don’t miss out on sales.

Clover Go Costs

First Data’s website for the Clover Go specifies pricing at 2.69% + $0.05 per transaction. It’s important to note that this pricing may be different depending on the credit card processing company that you use. The pricing listed is for accounts direct with First Data, but may not include all fees and may vary depending on your specific business. 

If you’re not going directly through First Data to get your Clover Go, the company you work with will set the pricing. If you need help shopping smartphone processing solutions, be sure to check out the CardFellow quote comparison tool. 

Product Features

Selective: First Data


  • iOS compatible
  • Android Compatible
  • EMV capable
  • NFC capable

Clover Go Q&A

Clover Go Reviews (7)

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from CardFellow, on May 27, 2016

The Clover Go can take chip cards and works with any processing company that uses First Data.

from Laura, on Sep 09, 2016

I am currently trying to get Clover's marketing verbiage off of my receipts to my customers. Yep. They PLASTER THEIR NAME all over YOUR customer's emailed receipts. They take advantage of YOUR business, your clients and your work by plastering THEIR name "Clover" all over your emailed sales receipts. They are REFUSING to change having their name IN BOLD all over the receipts. While YOUR company name remains in small font. Support call is about 45 minutes. Answer to this problem? "They are waiting "until they get enough customers" complaining about this." Really? Change it now. It's been over a month and they refuse to stop marketing on the back of my company's work and my customers.

from noam, on Jan 05, 2017

I opened my company and bank account at Bank of America who signed me up for Clover, promising the most I'll pay is 3.2% - turns out there are dozens of hidden fees I was not told about. The worst part is THEY PUT IN THE WRONG TAX ID!!! I called like 10 times up until now and the refuse to change it. Unbelievable.

from Emir K., on Feb 06, 2017

I have jewelry retail pop-ups around Los Angeles and I needed a Square kind of fast credit card payment methods for my business. The reason I chose Clover Go was lower charges on the received payments. I have been using Clover Go for a year and I sometimes have bugs/errors and problems. The biggest issue happened during last Christmas. In December, a lot of transactions we made disappeared and there is no info about the transactions that I could prove and claim for that. My jewelry was sold. I lost my products and over $2500.00. The customer service was not helpful. I sent all of my sales reports, faxed them. I tried to reach Clover Go and Merchant Service managers. Instead of covering my loss, they offered me to buy new terminal or cancel my agreement. They were not helpful and sometimes even rude. My suggestion to people who has a startup business please DO NOT USE CLOVER GO. Thanks.

from nick, on Apr 03, 2017

They are full of hidden fees.

from Timothy Miles, on May 03, 2017

Company lies. Funds NOT available next day at midnight.. don't come until late afternoon at best. AWFUL CUSTOMER SERVICE. AVOID AT ALL COSTS.

from Ruben , on Oct 09, 2017

Lied about fees, told me I would not get charged if I don't use it. They are now charging me $44 a month. Making me pay $495 to cancel. Horrible company, stay away.

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