Clover by Fiserv is the world's largest cloud-based POS ecosystem for small and medium businesses — 4 million+ devices, 700K+ merchants, and nearly $300 billion in annual payment volume. Paying.co builds custom Android applications for the entire Clover lineup — Station Duo, Flex 4, Mini, Kiosk, Go — with deep Clover SDK experience, full payment integration, and App Market publishing handled end to end.
Clover's hardware lineup spans countertop POS, mobile and compact terminals, and self-service kiosks — all running on the same Clover Android platform with the same payment connector, merchant API, and App Market. Paying.co builds custom applications across the full range, with deep Clover SDK experience and direct access to the merchant data model.
Full-featured POS for retail counters, restaurants, and service businesses. Station Duo, Station Solo, Clover Mini, and Mini 3 — the workhorses of the Clover lineup. Paying.co builds custom POS workflows, loyalty programs, inventory managers, and tipping and split-payment screens, all running native on Clover Android.
Talk to our teamMobile-friendly terminals for pay-at-table, line-busting, and field service. The new Flex 4, the ultra-portable Clover Go, and the Pocket reader. Paying.co builds custom Android apps with tipping, split flows, on-terminal forms, and connection back to Clover's cloud merchant services.
Mobile DevelopmentSelf-ordering for QSR, fast casual, and retail self-checkout. Clover's new dedicated Kiosk and the Station Duo running in kiosk mode. Paying.co builds full-screen ordering interfaces, customizer flows, payment screens, and real-time kitchen ticket delivery via the Clover order and payment APIs.
Talk to our teamClover builds the hardware, the payment connector, and the ecosystem. Paying.co builds the custom Android applications that turn those into your product — whether you're deploying inside your own merchant fleet or publishing to the Clover App Market for hundreds of thousands of active merchants.
We design the application from the ground up — data models, API integrations, payment flows, and device-specific UI tailored to Station, Flex, Mini, Kiosk, and Go. Native Android, built around the Clover form factors your merchants actually use.
Full integration with the Clover Payments API and PaymentConnector — card-present, card-not-present, refunds, tips, split payments, pre-auth and capture, and tip adjustments. EMV chip, contactless, NFC, swipe, and PIN-on-glass all handled natively.
If your app is going to the Clover App Market, we handle the full submission process — sandbox testing on the Dev Kit, approval requirements, listing copy, screenshots, and post-launch iteration. Reach hundreds of thousands of active merchants.
Backend services for multi-location syncing, analytics dashboards, remote device management, and real-time reporting connected to your Clover fleet via the Clover REST API and webhooks. We build the cloud side, not just the device app.
With over 4 million devices sold, 700,000+ active merchants, and gross payment volume approaching $300 billion annually, Clover is the platform of choice for small and medium businesses across retail, restaurants, services, and healthcare. Roughly 20% of the U.S. small restaurant POS market runs on Clover, with revenue growing 27% year-over-year and Fiserv targeting $3.5 billion in Clover-specific revenue.
That's where Paying.co fits. We've been building custom Android payment applications for over a decade — long before Clover existed — and were among the first development teams on the platform when it launched. We've built self-order kiosk apps for QSR, points-based loyalty programs hooked into the Clover customer database, real-time inventory managers synced across multi-location fleets, custom tipping and checkout flows, and unattended deployments on Clover Flex for parking, EV charging, and laundromats.
The point is simple: Clover is the right platform to build on. We make sure your app feels native to it, not bolted onto it — with full SDK fluency, App Market experience, and PCI-compliant architecture from day one.
Talk to our Clover teamWe build directly against the Clover SDK, the PaymentConnector, and the merchant/order/inventory APIs — the way Clover's engineers expect applications to be built. No middleware, no wrappers, no payment workarounds. The application is yours, the source is documented, and it lives where your merchants actually use it — on the device, in the App Market, or both.
Direct integration with the Clover Android SDK — PaymentConnector, MerchantConnector, OrderConnector, InventoryConnector. Card-present and card-not-present transactions, refunds, voids, pre-auth, tip adjustments, and listener callbacks all handled the Clover-native way.
Backend services that connect to the Clover REST API and subscribe to webhooks for orders, payments, inventory changes, and customer updates. Multi-location syncing, analytics, and remote management built on top of Clover's cloud merchant services.
Sandbox testing with Clover Dev Kits, listing copy and screenshots that pass approval, and post-launch iteration. We've taken apps through the App Market submission process and know the gotchas before you hit them.
Every Clover application we build follows PCI DSS principles from day one — secure card data handling, tokenization through Clover's payment connector, encrypted communication, and audit-grade transaction logging. Compliance is the foundation, not a checklist at the end.
Clover by Fiserv is the world's largest cloud-based POS ecosystem for small and medium businesses. Building custom apps on Clover means your software reaches a massive, growing installed base — with payment processing, hardware, merchant tools, and an established app distribution channel already in place.
From the ultra-portable Clover Go and Pocket to the full-featured Station Duo and the new self-service Kiosk — one Android codebase, one SDK, every form factor your merchants need.
Clover runs on Android, giving developers full access to the Android SDK alongside Clover's own payment APIs, merchant services, and peripheral integrations — modern UX on certified payment hardware.
Publish to the Clover App Market and reach hundreds of thousands of active merchants. Monetize with subscriptions, per-transaction fees, or one-time purchases — distribution that's already built and waiting.
Accept EMV chip, contactless, NFC, swipe, and PIN-on-glass payments natively through Clover's payment connector — no separate gateway required, no extra certification path to manage.
Clover leads the U.S. small restaurant POS space at roughly 20% market share, ahead of Toast (~17%) and Square (~13%). 175K+ restaurant locations and a growing footprint across retail and services.
Clover revenue grew 27% year-over-year in 2025, with Fiserv targeting $3.5 billion in Clover-specific revenue. Live in 13 countries, with accelerating adoption driven by Flex 4 and the new Kiosk.
From restaurant ordering to fleet-wide device management, here's a sampling of the custom Clover applications Paying.co has built — running on Station Duo, Flex 4, Mini, Kiosk, and Go across our clients' deployments.
Full-screen ordering for the Clover Kiosk and Station Duo. Visual menu, item customization, payment — all without staff interaction, with real-time kitchen ticket delivery via the order API.
Points-based loyalty programs hooked into the Clover customer database. Reward tiers, promotional offers, and automated notifications — redeemed directly at the terminal.
Real-time inventory tracking synced across multiple Clover devices and locations. Auto-reorder thresholds, barcode scanning via built-in camera, and variance reporting native on the device.
Tailored checkout with branded tip screens, split-payment flows, and custom receipt layouts — designed to lift tip percentages and accelerate payment at high-volume locations.
Clover Flex deployed in unattended environments — parking garages, EV charging, and laundromat kiosks. Custom app handles payment, session tracking, and remote monitoring.
Patient check-in flows on Clover devices for medical offices. Copay collection, appointment confirmation, and digital form signing — integrated with practice management systems via custom middleware.
Custom POS extensions for retail merchants — specialized workflows for liquor, cannabis, gift cards, age verification, and category-specific compliance built on top of Clover's base POS.
Fleet dashboards and admin tools for multi-location operators — real-time reporting across stores, device-level health monitoring, and remote configuration for franchise networks.
Every Paying.co Clover engagement runs against a documented Statement of Work, with named owners on both sides, defined milestones, and a deployment plan. Simple Clover apps land in 6–10 weeks. Full custom POS applications with backend integration and App Market publishing typically run 4–6 months. You always know where the project stands.
We start with your business needs, target merchants, and existing systems. Our team scopes the right Clover device families — Station, Flex, Mini, Kiosk — and maps the application architecture: data model, payment flows, API integrations, and UI tailored to each form factor.
Custom forms, multi-step workflows, and Android UI optimized for Clover screens. Interactive prototypes run on actual Dev Kits to validate the user journey, the payment flow, and the merchant experience before we commit to full development.
Our engineers build native Android apps against the Clover SDK — PaymentConnector, MerchantConnector, OrderConnector, InventoryConnector. Backend services connect to the Clover REST API and webhooks. PCI-compliant architecture from day one.
Comprehensive testing on Clover Dev Kits across the full device range — transaction flows, error handling, receipt formatting, peripheral integrations, and edge cases. We catch issues before they hit a merchant device or the App Market review team.
When the app is going to the Clover App Market, we handle the full submission process — approval requirements, listing copy, screenshots, pricing model, and any back-and-forth with the Clover review team. Then post-launch iteration based on merchant feedback.
Continuous maintenance, SDK version updates, bug fixes, and feature enhancements to keep your Clover app current as the platform evolves. Same engineers, same project manager — for the life of the application.
Tell us what you're building on Clover — an internal app for your own merchant fleet, or a product for the Clover App Market. We'll tell you what it takes to get it scoped, built, and launched — and you'll hear back from a payments engineer, not a sales rep.