Fees: what each one publishes
Moneris is the easier of the two to price. It sells one restaurant bundle. When we read moneris.com on September 19, 2026, Moneris Go Restaurant was listed from $64.94 a month plus tax, which covers the POS software and a Moneris Go Terminal. If you already rent a Go Terminal, the software alone was $29.99 a month.
Clover works differently. In Canada it is sold by Fiserv, which owns it, and Fiserv's Canadian site steers buyers to a Canada-based sales team. Clover's developer documentation lists the Canadian merchant plans, including Counter Service and Table Service Restaurant. Clover's Canadian pricing pages load their prices in the browser, and our check on October 30, 2026 could not read them, so we print no Clover figure. Treat Clover as quote-based and ask for the monthly software fee per device and per location.
Card processing
Moneris prints its rates. On the Go Restaurant bundle it listed a flat 2.35% + $0.10 per credit card transaction and $0.12 per Interac debit transaction. Its standard flat rate for other card-present merchants was 2.65% + $0.10 on credit. Moneris also offers interchange-plus pricing, quoted by business type and volume.
Clover's processing rate was not printed on any Clover or Fiserv page we could read on October 30, 2026. One detail from Clover's developer documentation matters for Canadian owners: a merchant account can be set up to process in Canadian or US dollars, and only accounts set up in Canadian dollars can take Interac debit. If you take a Clover quote, confirm the account is in CAD and get the credit and Interac rates in writing.
Hardware approach
The two take opposite routes. Moneris pairs an iPad with its own payment terminal. The iPad runs the POS and the kitchen display app; you can use your own if it is a 9th generation model or later, or buy one from Moneris for $499.99. The Go Terminal rents for $34.95 a month and is already inside the $64.94 bundle.
Clover makes its own devices, so there is no iPad in the picture. Fiserv's Canadian site lists Clover Flex, a handheld it describes for use at the counter or at the table, along with Clover Mini and Clover Station Duo. Clover device prices were not readable on the pages we checked. Ask whether a quoted monthly figure includes the devices, and for how many months.
Contracts and support
Neither company prints its contract terms where we could read them. Moneris did not show a contract length, a setup fee or cancellation terms on the Go Restaurant page; it links a separate terms schedule. Clover's term length and cancellation terms were not printed on the Clover and Fiserv pages we checked. Ask both for the term, the early-termination fee and who owns the hardware, in writing, before you sign.
On support, Moneris publishes more: 24/7 bilingual support and an in-house national field-services team. Clover's support terms were not covered on the pages we read.
Restaurant features
Moneris lists order management, payments, menu management, employee permissions, kitchen printing and real-time reporting for Go Restaurant. Paying at the table works by carrying the portable terminal to the guest, with tips and bill splitting supported. Online ordering is available through UEAT, commission-free and priced by quote. For full-service rooms, Moneris's launch release points to its partnership with TouchBistro.
Clover has dedicated restaurant plans in Canada, Counter Service and Table Service Restaurant, and its handheld can be carried to the table. That gives Clover a table-service path inside its own product, which Moneris Go Restaurant does not offer. Clover's per-plan feature list was not readable, so ask for a demo on your own menu.
Who each one suits
Moneris Go Restaurant suits a single-location café, bakery or counter-service spot outside Quebec that wants published rates, its POS and processing from a Canadian bank-owned processor, and a field technician on call.
Clover suits an owner who runs table service or plans to, prefers a sales rep to put together a bundle, likes Clover's own device range, and is ready to compare a written quote line by line.
Where Waitery fits
Clover and Moneris both sell restaurant software alongside card processing. Waitery is built only for restaurants, as the next generation of restaurant tech. It is a QR-first restaurant POS from Mississauga, Ontario: guests scan a table QR code and order with no app, servers take orders and payments on handhelds, and tickets go to a kitchen display with station routing and no per-screen fee. It covers table service as well as the counter, and the guest menu, kitchen and receipts work in English and French.
Waitery is one plan at $14 CAD per location per month, published on our pricing page, with no setup fee and no iPad to buy. It runs its own integrated payments on its own modern smart POS hardware, which you can rent monthly or buy outright, so it replaces either system rather than adding to one. Processing is quoted per restaurant during the demo. For the detail, read Waitery vs Clover and Waitery vs Moneris, take the restaurant POS tour, or see every POS comparison. Each vendor is also set against Square in Clover vs Square and Moneris vs Square, and the Moneris numbers are broken down further in our Moneris pricing guide.
This comparison is based on the vendors' own public pages on the dates shown. Prices and plans change, so confirm them with Clover (Fiserv) and Moneris before you decide. Clover and Moneris are trademarks of their owners. Waitery is not affiliated with or endorsed by either company and does not integrate with either one.