Compare · Clover vs Servio

Clover vs Servio: an honest comparison for UK venues

Clover is a payments and POS package sold in the UK by First Data Europe, with Clover devices; its agreement terms depend on which Clover contract you hold. Servio publishes its plans, bills monthly or annually and runs on devices you already own.

Prices checked 28 October 2026, excluding VAT; card rates are an estimate; confirm current plans, device terms and rates with Clover.

Disclosure: Servio is our product. Every figure is a published detail or a marked estimate you can confirm with each provider.

The short version

Clover’s UK software plans run from the free Payments plan to Table Service at £59.95/month for the first device plus £9.99 for each extra one, excluding VAT. Devices cost £15 to £30/month plus VAT each (Flex £15, Mini £20, Station Duo £30), and Clover sets each business’s card rate without publishing it; independent trackers cited by Business Expert put typical UK small-business in-person rates at 1.5%–2.5%. For merchants contracted with First Data Europe whose merchant ID starts with 99, the Clover agreement has an 18-month minimum period, and leaving early means paying the remaining monthly software fees; other Clover merchants are on different terms, so check yours. Servio Starter is £89/month on devices you already own, monthly or annual, with no cancellation fee. Clover isn’t in our year-one comparison, which prices each rival’s own kit bought new, because Clover lists its devices as monthly charges.

Clover’s plan prices are listed per month, with VAT added under its terms. Confirm the plan, devices, card rates and agreement in writing. Sources: Clover plans, Clover pricing, Clover terms, April 2026.

Who is Servio best for?

Servio may suit food-led independents that want POS, QR ordering, kitchen tickets and loyalty from one menu, on devices they already own, with published prices and monthly billing. It works with any card reader: payments on your current reader are recorded in Servio manually, and we can set up a supported Stripe reader for integrated payments once your Stripe account is ready.

Where Clover fits

Clover fits a venue that wants payments, POS and Clover hardware from one acquirer at a low monthly software price. The Payments plan is £0 and Essentials £6.99/month, and devices can be loaned for the agreement, with faulty or worn ones repaired or replaced at no cost. Clover offers 7-day phone support and 150+ apps. Sources: Clover plans, Clover for restaurants, Clover terms.

How long is a Clover agreement?

For merchants contracted with First Data Europe whose merchant ID starts with 99, Clover’s April 2026 terms define an 18-month minimum period from activation; other merchants sign different documents, listed on Clover’s legal page. You can give one month’s notice, but leaving within the minimum period means a software termination fee equal to the monthly software fees left: leave at 12 months and you pay six. Monthly fees are fixed during the minimum period and can change afterwards on 30 days’ notice. Servio has no minimum term on monthly billing: cancel any month, with access to the end of the billing period.

How do I switch from Clover to Servio?

Check your Clover notice period and any early-exit charges, then export the records you need. Import your menu as a draft, review items, prices, modifiers and verified allergen information, then test devices, payments and kitchen tickets during a quiet service. Keep a fallback; timing depends on your venue. Read migrating your menu without the headache.

What is included in every Servio plan?

Every plan includes connected POS, QR ordering, a single kitchen station, loyalty and basic reporting. Growth adds tables, reservations, inventory, multi-station routing and advanced analytics; Enterprise adds central group tools. Prices, payment processing, extra venues and eligible add-ons are separate components of the full budget. Read cloud POS till, QR table ordering, kitchen display, owner analytics, pricing page, comparison page, UK POS cost guide.

Compare costs before you switch

Read the best UK restaurant POS systems 2026 comparison, the restaurant POS cost guide, and how we calculate every figure.

Common questions

Is Clover a contract?

For merchants contracted with First Data Europe whose merchant ID starts with 99, yes: Clover’s April 2026 terms set an 18-month minimum period, and leaving early costs the monthly software fees left in it. Other Clover merchants have different terms; Clover’s legal page lists which apply. Servio is monthly or annual with no cancellation fee.

Is Clover cheaper than Servio?

Clover’s software can be: Payments is £0 and Essentials £6.99/month. But each device adds £15 to £30/month plus VAT, the card rate is set per business and not published, and QR online ordering is on the Table Service plan, £59.95/month for the first device. Servio Starter is £89/month with QR ordering, a kitchen station and loyalty included, on devices you already own; compare the full quote at your card volume.

Can I keep my Clover device with Servio?

You can keep taking card payments on it during the agreement and record them in Servio manually, but Servio doesn’t connect to Clover.

Do I need to buy hardware for Servio?

Servio runs in the browser on phones, tablets and computers you already own, so there’s no till to buy and no setup fee. It works with any card reader: staff record payments from your current reader in Servio manually, and we can set up a supported Stripe reader for integrated payments once your Stripe account is ready. If you print tickets or receipts, check your printer works with it first.