TapDash for Jewelers vs. Clover
A dedicated rep, no surprise fund holds, and no long-term contract - built around a $14,000 sale, not a $4 coffee. Last updated September 2026.
Clover, in a nutshell
Clover is Fiserv's POS hardware and software platform, but it's rarely sold direct - most jewelers get it through a bank or independent sales organization (ISO), each setting their own rates and terms. That reseller layer is usually where the multi-year contracts and hardware leases come from.
TapDash for Jewelers, in a nutshell
Built specifically for jewelry retailers around one named rep who knows your store, a guaranteed call with an underwriting specialist within 24 hours on any hold - or we pay you $500 - and free hardware, with nothing to buy out if you ever leave.
Pricing side by side
Clover
- In-person rate
- Typically 2.3-2.6% + 10c (varies by reseller)
- Keyed-in / online
- Typically ~3.5% + 10c
- Contract
- 36-month commitments are common through resellers
- Early termination fee
- Often $295-$595+, sometimes tied to remaining contract value
- Hardware
- Often bundled into a non-cancelable lease rather than sold outright
TapDash for Jewelers
- In-person rate
- Dual pricing (zero cost to you) or interchange-plus - your rep quotes your exact rate
- Keyed-in / online
- Flat 3.2% - no added per-transaction cents fee
- Contract
- Month-to-month, cancel anytime, no early-termination fees
- Early termination fee
- $0 - and we frequently cover what you owe your old processor to leave
- Hardware
- $0 - free terminals, free replacement, yours to keep
Rates and terms above are publicly reported and can change - your rep will confirm exact numbers against your current statement.
The reseller calls the shots for Clover pricing.
Clover itself is just the hardware and software - the rates, contract length, and reserve policy come from whichever bank or ISO sold it to you. That's why two jewelers on "the same" Clover system can have completely different rates and completely different exit costs.
Sourced from independent Clover pricing and reserve reporting, September 2026.
Full comparison
| What you're paying for |  TapDash for Jewelers |  Clover |
|---|---|---|
| Dedicated named rep | One rep, direct cell/text/email | Depends entirely on which bank/ISO sold you the account - ranges from excellent to nonexistent |
| Contract | Month-to-month, no fees to leave | 36-month commitments are common, with early-termination fees |
| Fund holds / reserves | Your rep works holds with you directly - 24-hr underwriting call or we pay $500 | Rolling reserves (commonly 5-10% of transactions held 90-180 days) are used for new, high-risk, or high-chargeback accounts |
| Hardware | Free terminals, free replacement | Often leased - can outlast the contract and isn't always yours to keep |
| Switch/exit fees | We frequently cover your old processor's exit fees. $0 exit fees from us. | You may owe the remainder of the lease plus an early-termination fee to leave |
Which is right for your store?
Clover can work well if you already have a strong relationship with a specific bank or ISO you trust. Just make sure you go in knowing the contract length, the reserve policy, and who owns the hardware before you sign - those terms are set by your reseller, not by Clover itself.
FAQ
Is Clover the same price everywhere?
No. Clover is resold through many different banks and ISOs, each setting their own rates, contract length, and fees - so "Clover pricing" varies a lot by who sold it to you.
Does Clover lock me into a contract?
Many Clover accounts sold through resellers carry 36-month commitments with early-termination fees in the $295-$595+ range. Ask to see the exact terms before you sign.
Do I own my Clover hardware?
Often not - hardware is frequently bundled into a lease that can outlast your processing contract.
Does TapDash use Clover hardware?
No - we ship our own free terminals with no lease, so there's nothing to buy out if you ever leave.
Comparison pages can only tell you so much.
Send your current statement to your rep and get an apples-to-apples number for your actual store - not a sticker rate.