Clover Go vs Paymi

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.

Paymi is an iOS app for eligible businesses, sole traders, and other entities to accept card payments with Tap to Pay on iPhone. Merchants can use an iPhone without an extra terminal or payment hardware. Customers can pay with major debit and credit cards, Apple Pay, or Google Pay. The app supports bill splitting, tips, automatic discounts and taxes, payment links, and real-time transaction views. Paymi uses Stripe Connect Standard accounts; Stripe manages processing, payouts, disputes, and chargebacks. Paymi says it does not collect or store card or banking information. Listed markets include the United States, Canada, Australia, New Zealand, the United Kingdom, and 16 European countries. Tap to Pay requires a supported payment app and the latest iOS, and may have transaction limits or unavailable markets. The Free plan has no subscription and charges a 1.2% Paymi application fee per transaction, plus Stripe fees. Pro plans have 0% Paymi application fees, while Stripe fees still apply. Pro pricing varies by App Store storefront; UK listings show £9.99/month or £79.99/year.