Clover or Square: which one is right for your business?
Clover and Square are two of the most widely used payment systems in Quebec. Since Metalaser offers both, here is a simple comparison to help you choose based on your business, not on a brand.
| Square | Clover | |
|---|---|---|
| Processing fees | Published flat rates: 2.5% per in-person credit card and 0.75% + 7¢ per Interac | Rates set according to your volume and type of business, negotiable through a reseller |
| Monthly fees | Basic plan with no monthly fee; paid plans for more features | Monthly software plan based on the features you choose |
| Account opening | Online, in a few minutes | Merchant account application with approval |
| Equipment | Reader, Terminal, Register and Handheld | Flex, Mini, Station Duo, Kiosk and kitchen display |
| Best for | New business, low volume, self-employed | Established business, restaurant, high monthly volume |
Square rates taken from squareup.com (Canada), checked in October 2026. Rates may change; confirm them before signing.
Choose Square if…
- You're starting your business and want to take payments quickly, with no contract.
- Your sales volume is still low or varies a lot from month to month.
- You prefer fixed, predictable rates.
Choose Clover if…
- Your business already processes a significant monthly volume: negotiated rates can lower your fees.
- You run a restaurant or counter that needs to manage tables, kitchen, staff and inventory.
- You want more complete equipment and local support for setup.
Metalaser's advice
The best choice depends on your numbers. With your monthly volume and your latest statement, we compare the real cost of each option for you. If Square suits you better, we help you open your account for free; if it's Clover, we set it up and train your team.
Frequently asked questions
Is Square cheaper than Clover?
Not always. Square has simple flat rates that work well for low volume. For a business processing significant volume, negotiated Clover rates can cost less. You need to compare with your own numbers.
Can I switch from Square to Clover later?
Yes. Many businesses start with Square and move to Clover as their volume grows. We help you through the transition.
Does Metalaser offer both?
Yes. Metalaser is an authorized Clover reseller and also helps you open a free Square account.
Let's compare with your numbers
Send us your approximate monthly volume: we'll tell you which option costs you less, with no obligation.
Let's compare with your numbers
Send us your approximate monthly volume: we'll tell you which option costs you less, with no obligation.