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Head-to-head · Mobile Credit Card Processing Software

Clover Go vs Viva.com

  • Updated Oct 2026
  • Both researched from official sources
  • 3 checks side by side
Higher score Clover Go #2 in Mobile Credit Card Processing Software 9.1/10 Pricing on request ✓ 2 of 3 features Visit Clover Go
Viva.com #5 in Mobile Credit Card Processing Software 8.7/10 Paid ✓ 0 of 3 features Visit Viva.com

Clover Go leads on 0 checks, Viva.com on 0, and 3 are even. Who comes out ahead on the 3 yes/no, price and count checks where we have data for both products. The editor score weighs everything else too.

Our verdict

  • Highest scoreClover Go · 9.1/10
  • Most featuresClover Go · 2 of 3

Clover Go scores higher on our rubric for mobile credit card processing software: 9.1 against 8.7 out of 10; our editors rank them #2 and #5.

Clover Go is the better fit for small merchants wanting flexible mobile POS. Viva.com is the better fit for merchants selling in person, online and via marketplaces.

  • Clover Go fits best

    Small merchants wanting flexible mobile POS

  • Viva.com fits best

    Merchants selling in person, online and via marketplaces

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Side by side

Feature Clover Go 9.1/10 Visit ↗ Viva.com 8.7/10 Visit ↗
At a glance
Editor score 9.1 8.7
Ranking #2 in Mobile Credit Card Processing Software #5 in Mobile Credit Card Processing Software
Best for Small merchants wanting flexible mobile POS Merchants selling in person, online and via marketplaces
Pricing model Paid Paid
Starting price — £3.99/mo
Free plan Not checked yet —
Free trial — —
Deployment Cloud, Mobile Cloud, Mobile
Platforms Web, iOS, Android Web, iOS, Android
Features Clover Go 2/3 · Viva.com 0/3
Card reader available Not checked yet Not checked yet
Tap to Pay ✓ (best) Not checked yet
Offline payments ✓ (best) Not checked yet
Specs
Mobile platforms Not checked yet Not checked yet
In-person fee Not checked yet Not checked yet
Payment methods Not checked yet Not checked yet
Our review
Pros
  • Accepts chip, swipe, contactless, and major mobile wallets
  • Tap to Pay on iPhone works without a separate reader
  • Supports refunds, digital receipts, and recurring payments
  • Accepts payments online and in person, with payment links and notifications
  • Supports recurring payments, marketplace payments and seller payouts
  • Connects to six ecommerce platforms and offers APIs and webhooks
Cons
  • Reader-based card payments require the Clover Go reader
  • Offline payments are merchant-configured and carry authorization risk
  • Rapid Deposit costs a 1.75% fee
  • The Zero plan has a £3.99 minimum monthly charge
  • Terminal IDs and websites are charged per item on Zero
  • Processing rates are not included in the listed subscription prices
Our verdict

Clover Go is a mobile point-of-sale solution for small and medium-sized businesses that need to take payments away from a fixed checkout. Its app works on iOS and Android, with a web-based Clover Dashboard for transaction history and…

Read the review →

Viva.com brings online and in-person payment acceptance together with tools for merchants that sell across physical, ecommerce and marketplace channels. Smart Checkout provides a hosted payment page, while payment links and notifications…

Read the review →
  1. Clover GoMobile Credit Card Processing Software 9.1Pricing on request
  2. Viva.comMobile Credit Card Processing Software 8.7Paid

Strengths and trade-offs

  • Clover Go — where it wins

    • Accepts chip, swipe, contactless, and major mobile wallets
    • Tap to Pay on iPhone works without a separate reader
    • Supports refunds, digital receipts, and recurring payments

    Where it doesn't

    • Reader-based card payments require the Clover Go reader
    • Offline payments are merchant-configured and carry authorization risk
    • Rapid Deposit costs a 1.75% fee

  • Viva.com — where it wins

    • Accepts payments online and in person, with payment links and notifications
    • Supports recurring payments, marketplace payments and seller payouts
    • Connects to six ecommerce platforms and offers APIs and webhooks

    Where it doesn't

    • The Zero plan has a £3.99 minimum monthly charge
    • Terminal IDs and websites are charged per item on Zero
    • Processing rates are not included in the listed subscription prices
  • Clover Go9.1/10 · Pricing on request

    A mobile POS for flexible card acceptance, order management, and recurring payments.

    Visit Clover GoFull verdict →
  • Viva.com8.7/10 · Paid

    Viva.com combines mobile and in-person acceptance with online, recurring and marketplace payments.

    Visit Viva.comFull verdict →

More comparisons

All mobile credit card processing software comparisons → · Full ranking →

Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026

Last updated · How we research and update