I wish i could give negative stars!!! This company is such a joke. If something is wrong with hour account customer service cannot help you and the "SECURITY/RISK department take 24-48 hours to call or email you back. So if you have an issue charging someone, good luck because you wont be able to charge anyone until the useless security team unlocks your account. They expect people to do business like this??? What a joke. I would not Clover even if it was FREE! Save your time and go to square!!