Clover POS technology allows you to concentrate on merchants’ needs without the cost and time of compliance. The way customers are making the payment has changed dramatically in the past few years. 60% of payments today are EMV, and 70% of consumers have at least one chip card. EMV chargebacks are very real and happening faster than you can imagine. Integration of Clover POS tech will enable your merchants to take EMV payments without the high price of enabling chip-based payments.
Clover is not just an EMV solution; it’s a platform for payments-as-a-service.
Ensure Quick EMV Compliance
When you integrate with Clover, your POS attains almost instant EMV compliance. It initiates a request, Clover gets the request and processes the payment, then sends a response. Each step of the process is reported to the POS, and it can then act on it to modify the customer experience.
You can begin taking payments in less than a day by fully or semi-integrating or by integrating your mobile POS. With Clover, you bypass complex commerce operations for multi-location merchants. Clover Mini brings seamless, safe EMV technology to market fast. The option to update the Mini with functionality as customers’ businesses evolve is a must in today’s rapidly changing commerce-scape.
Build Apps on the Platform
You can also build apps that do not take payments on the platform. Examples include loyalty apps, customer feedback apps, and gift card apps.
Clover’s safe semi-integration solution allows your existing point-of-sale software to accept EMV-ready, PCI-compliant payments. The platform’s customer-oriented experience enhances the POS and takes care of all payment acceptance tasks so you don’t have to.
Also read: Best Tips to Protect Your Privacy Online
Semi-integration integrates your software and hardware with Clover’s, making your point-of-sale EMV compliant quickly and easily.
The Java-based PaymentConnector interface lists all of the features your app needs to make a sale, perform other payment functions, even issue a refund. This API is an excellent choice if you are building a point of sale directly on a Clover device.
- Award-winning, patented hardware design
- The ability to tap into a sales force of over 4,000 people
- Unlimited batch capacity
- All receipts and customer signatures are stored forever and retrievable through a single web call
- Simple integration (get a basic sale function up and running in less than a day)
- Integrated camera/barcode scanner
What you get from integration:
- Support for peripherals using our patented hub for weight scales, barcode scanners, and more
- High-level, transparent CloverConnector API
- Open-source SDK
- Other Clover features
- Takes all payments types (magnetic stripe swipe, EMV dip, NFC contactless, and manual entry)
- PCI compliant
- Authentications, pre-auths, and sale transactions
- Partial authentications
- Voids, payment refunds, manual refunds (detached credits)
- Store & Forward (take offline payments)
- Integrated printer with thermal paper (Clover Flex and Clover Mini)
- 3G/4G connectivity (optional)
- 4 standard USB ports
- Detects and prevents duplicate transactions
- Payments-as-a-Service Integration Options
- Manual card entry
- Customizable tip options
- Settings can be configured per merchant
- Payment Interfaces
Clover offers different payment interfaces depending on the combination of merchant- and customer-facing devices you require. If you develop a registered app for a merchant, the app will use Clover’s PaymentConnector for sale processing. The interface is used to pass information about the transaction to the Clover payment app and return confirmation of the transaction.
The CloverConnector is used to establish the USB connection and transfer transaction data to the Clover Mini for customer review. In addition, it is used to do the following:
- Receive the customer choices for a tip and a receipt
- Initiate the payment flow on the Mini
- If required, receive the signature for verification
- Return confirmation of the transaction to the POS
We already discussed the option of semi-integration, which is viable if you have an existing POS with a strong merchant base and are searching for the fastest way to achieve EMV compliance. It’s also a good option if you have a strong brand your merchants identify with, a complex system that’s difficult to move away from, and if your POS system requires specialized hardware. If none of these apply to you, your best bet is native integration. Here is some more info about that.
In this integration, your POS runs directly as an app on Clover hardware. Merchants can find your app seamlessly within the Clover system just by looking for it in the provider’s App Market. They handle the payments, and you handle the merchant experience. If you’re developing a new POS or want to give your merchants an all-in-one solution, this may be an attractive option.
Clover Go BYOD (Beta)
The next option is Clover Go, the BYOD (bring your own device) solution. This EMV-capable device attaches to a tablet or smartphone, enabling native iOS and Android mobile apps to accept NFC, or EMV transactions swipes fast with no EMV certification required on your end. This integration option is ideal for merchants who are always on-the-go and who want their iOS and Android apps to be able to accept payments everywhere. Clover Go integration leverages a cost-effective and highly secure EMV-capable device with a streamlined set of functions.
Clover Go Integration Procedure
The Clover Go SDK is embedded in your mobile POS application. The calling app interacts with an asynchronous call model. Once the SDK is initialized, the calling application can launch a payment request. The request will activate the card reader linked to the mobile device. The customer can then use any of the following mechanisms for payment: card-not-present transactions, card-present transactions, and cash transactions.
The SDK will interact with the payment gateway to provide a callback with the payment response after processing the transaction. The calling app can capture the signature.
As you can see, there are many benefits of integrating Clover POS tech, and many integration options. We hope this article has been helpful!