Bank of America Mobile Point of Sale vs Clover Go

Bank of America Mobile Point of Sale combines the BofA Point of Sale Mobile app with the Mobile Card Reader D135 for mobile payment processing and sales reporting. Customers can pay by magnetic stripe, EMV, contactless Visa or Mastercard, signature debit, cash, or check recording, then receive receipts by email or text. The app brings Business Advantage and Merchant Services account management together. Use requires a Bank of America Merchant Services account and a Bank of America business checking account, with funds settled into that checking account; Business Advantage 360 enrollment is required for a Merchant Services account. The reader works with a compatible merchant-supplied iOS or Android phone or tablet. Listed rates are 2.65% + 10¢ per in-person sale, 3.50% + 15¢ for keyed payments, and 2.99% + 30¢ online. The D135 costs $109.00 once; its charging base costs $87.00 once.

Clover Go is a mobile point-of-sale system that pairs a portable card reader with a phone or tablet. It accepts chip, dip, and contactless payments, including Tap-to-Pay on iPhone and Apple Pay, Google Pay, and Samsung Pay. The app supports item changes, deferred payments, tipping, full or partial refunds, returns, and exchanges. It operates over Wi-Fi or cellular and can accept offline payments for later authorization. The reader works with iOS 15 or higher and Android 9.0 or higher; iOS requires Bluetooth LE. It cannot run on jailbroken or rooted devices. Digital receipts can be stored and sent by email or text, and outstanding balances can be tracked. All plans include 24/7 support. Clover Security Plus includes end-to-end encryption, tokenization, a PCI compliance wizard, and additional breach-liability coverage. Clover offers integrations through native Android options, SDK-based semi-integrations, and BYOD integrations for iOS and Android apps. Pricing is available on request. Qualified new merchants may receive no SaaS subscription fees during a 90-day trial of Clover Essentials or Services Growth plans.