It isthe only one of the three with a genuinely free software tier, a published rate that is the same for every merchant, and nothing to sign before you take your first payment. Shopify is the better answer the moment online selling matters, and Clover is the only one of the three that lets a high-volume storenegotiate its own processing rateinstead of accepting whatever is printed on the rate card. Part of what makes this comparison awkward is thatthese are not the same kind of product. Two are payment companies that built POS software, one is an ecommerce platform that added a till, and only one of the three reaches you through a middleman rather than from the company that builds it. I have compared the software fees, processing costs, hardware commitments, and exit risks across all three so you canpick the right one for your store, not the one with the lowest advertised monthly price.