Key takeaways
Use these points to narrow the choice for your store.
- Clover Flex suits mobile sales, the sales floor, and delivery.
- Clover Mini optimizes compact counters and low-to-medium volumes.
- Station Duo centralizes high-volume transactions with a customer display.
- An integrated POS combines payments, inventory, and reports in one tool.
- Fees should be analyzed by payment network, not as a single rate.
Which Clover terminal should you choose for your retail store?
Your sales environment determines which Clover model is most useful.
Choose for the sales environment
Three Clover terminals stand out for retail: Clover Flex, Clover Mini, and Clover Station Duo, each suited to a specific operating profile.
| Terminal | Attribute | Value |
|---|---|---|
| Clover Flex | Mobility | Portable; ideal for serving customers on the floor or on delivery |
| Clover Mini | Format | Compact; designed for counters with less than 30 cm of space |
| Clover Station Duo | Capacity | Integrated customer display; suited to high transaction volumes |
Compare Flex, Mini, and Station Duo
The right Clover terminal depends on your business type, transaction volume, and how you take payment.
| Terminal | Ideal profile | Main advantage |
|---|---|---|
| Clover Flex | Mobile business, kiosk, floor service | Portable, wireless; accepts Interac, Visa, Mastercard, and Amex |
| Clover Mini | Compact counter, low-to-medium volume | Manages payments, receipts, and reports in a small format |
| Clover Station Duo | High-volume retail or restaurant | Complete POS with integrated customer display |
Each terminal works with Direct Pay Solutions rates as low as 0.92%, whether you run a Laval shop or a Montreal restaurant. Compare models against your operational reality, not the market’s most common terminal. See our retail solutions.
Retail payment-processing fees
Clear network-by-network pricing helps you protect retail margins.
Compare rates by card type
Processing costs vary by network and card type. A clear pricing structure helps you measure margins and avoid paying a credit rate on Interac transactions.
| Card type | Average market rate | Direct Pay rate |
|---|---|---|
| Interac debit | 0.10%-0.25% | Interac debit: as low as 0.10% |
| Visa standard credit | 1.50%-1.80% | Visa/MC standard: as low as 0.92% |
| Mastercard standard credit | 1.55%-1.85% | Visa/MC standard: as low as 0.92% |
| American Express | 2.50%-3.00% | Amex: negotiable |
See our pricing to have your volume and card mix analyzed.
What are the benefits of an integrated POS system?
Combining daily functions in one system can reduce cost and manual work.
Centralize day-to-day operations
An integrated POS system reduces operating costs and eliminates manual entry errors by centralizing payments, inventory, and reports in one tool. Consolidating these functions avoids paying for several separate subscriptions, which may mean savings of $500 or more per year depending on the number of platforms replaced. Clover Station Duo, for example, processes Visa, Mastercard, Interac, and Amex transactions, tracks stock in real time, and generates sales reports from one screen.
| Entity | Attribute | Value |
|---|---|---|
| Clover Station Duo | Interac processing fee | As low as $0.05 per transaction |
| Clover Station Duo | Visa / Mastercard processing fee | As low as 0.92% per transaction |
| Separate systems | Average combined monthly cost | $150 to $300 per month |
You spend less time reconciling data from multiple sources. For Montreal or Laval merchants operating multiple locations, an integrated POS such as Clover also centralizes multi-site reports, giving you a complete performance view in one dashboard.
Integrating POS and inventory systems
A connected terminal helps keep sales, stock, and reporting aligned.
Link payments, stock, and reports
A terminal connected to your POS avoids manually re-entering amounts in multiple applications. Transactions can feed sales reports and help your team track inventory in real time. Before deployment, confirm your current tools are compatible with your Clover configuration. Direct Pay Solutions can guide you to a solution that integrates with your operations and locations.
Direct Pay Solutions offers local support from DPS Monday to Friday, 9 AM to 6 PM, with Clover technical support available 24/7.
Direct Pay Solutions is based in Laval and serves merchants across Greater Montreal, the North Shore, and Quebec.
Frequently asked questions
Here are practical answers for Quebec retailers.
Is a mobile payment terminal reliable for outdoor markets?
Yes. A mobile terminal such as Clover Flex is reliable for outdoor markets. It works through WiFi or cellular data, accepts all cards, and lets you offer a professional payment experience anywhere.
How can you protect customer data during card transactions?
Protect customer data by using PCI-DSS-certified terminals such as Clover, which automatically encrypt every transaction. You should also enable tokenization and avoid storing card numbers on your devices.
Do you need a long-term contract to get a Clover terminal?
No. With Direct Pay Solutions, you can get a Clover terminal without a long-term commitment, giving you flexibility to adapt your payment solution to your business needs.
