Clover Payments with Stored Cards

Clover is a payment service processor that specializes in retail payments and point-of-sale. Clover is a service of Fiserv (First Data), and replaces Payeezy as Fiserv's payment brand for small to mid-sized businesses and merchants. If you have a physical retail presence, Clover can run your checkout process.

If you use Clover services, this extension allows you to process your online payments from Magento or Adobe Commerce through Clover as well. At checkout (as a customer or admin), you will find a Clover option under Payment Methods, which displays a secure form to enter a credit card. When you place the order, this extension will communicate with Clover to charge the credit card and deposit the money to your account. It includes full support for Magento transaction processing, including authorize, invoice/capture, refund/credit memo, void, and partial invoicing and partial refunding.

Account & Pricing

A separate service account with Clover is required to use this extension. Clover is a paid service, and will charge monthly and per-transaction fees separate from this extension. Clover's fees will vary by your contract, features, and merchant service provider.

Your Clover account must be created outside of the extension installation process. Please contact Clover for more information on pricing and to sign up for Clover payment services.

No additional service fees are required to use this extension itself, other than the purchase cost and optional annual extension support renewal.

Features

• This module supports all standard payment actions in Magento.
• It also allows customers to save their payment info for future use. This gives returning customers the convenience of stored credit cards and rapid checkout, without breaking PCI compliance.
• Customers can add or reuse their credit cards at checkout.
• Customers and admins can view, add, edit, and delete any of their stored payment info through a 'My Payment Options' interface in the customer account.

• Pay by credit card
• Save credit cards (tokens) for reuse
• PCI SAQ A eligibility: Clover collects all credit card data for you
• Add, edit, and delete saved payment data
• Edit orders and reorder without having to ask the customer for CC info again
• Authorize, Capture, or Save CC Info (without charging) at time of checkout
• Capture funds even after the authorization expires
• Partially invoice orders (including reauthorization on partial invoice)
• Partially refund (online credit memo)
• Send billing address, shipping address, and more with transactions
• Card Verification Number (CVN) Validation
• Address Verification (AVS)
• Integrate your systems with Magento REST and GraphQL API support
• Use a different Clover account for each website (multi-website support)
• Supports standard, admin, and multi-shipping checkout
• Supports ParadoxLabs Adaptive Subscriptions extension

Convenient

Stored payment info is good for your business and customers.

• It simplifies checkout.
• It encourages customer loyalty.
• It streamlines order management and integrations.
• It lets your staff quickly process orders and billing changes, without needing customers to repeat their credit card info.

All frontend features are available in the admin panel. This means admins can view, add, edit, and delete customers' stored cards, and place orders using them.

When editing an order, you can reuse the payment info, even for guests.

Security & PCI Compliance

Security is everything. Customer confidence can take years to build up, and a stolen credit card can shatter that in a moment. Nevermind the legal ramifications or fees: Your customers are your business. You can't afford to risk losing them. Using ParadoxLabs Clover will protect you from many forms of credit card scraping hacks.

All communication with Clover is performed using TLS encryption, and no confidential cardholder data ever touches your server (even for a moment). Using secure Hosted Checkout, all credit card forms for this extension are contained within an iframe hosted by Clover. Payment data is entered on your checkout page, but the form it's entered into is hosted and controlled completely by Clover.

This means all credit card data is sent directly from your customers to Clover, and none of it is exposed to your website or server at any time. Clover gives us a token to use in place of the actual credit card data, and we use that token for all payment processing. This lets your customers pay with a 'saved' card while the actual card is not on your server at all. Magento stores customer data including card metadata (type, expiration, last 4), but not any credit card numbers themselves.

This extension implements Clover iframe payments for all credit card forms, and does not support collecting credit card data by any other means. That makes the ParadoxLabs Clover payment method eligible for PCI v3.2 Self-Assessment Questionnaire A (PCI SAQ A), the simplest possible form and process.

Note that you must have SSL enabled on all checkout and login forms, and that this eligibility only applies to this specific payment method. Any other payment methods or credit card handling your business may perform will have its own SAQ eligibility, and may require you to complete a more stringent SAQ form.

For details on the SAQ types and what eligibility means, see 'Self-Assessment Questionnaire Instructions and Guidelines (3.2)' (PDF, by PCI Standards Security Council).

In addition, Clover offers a PCI Rapid Comply Solution, which includes guidelines and support to help you complete the annual SAQ.

PWA-Ready

This extension fully supports GraphQL and guest/customer REST APIs, allowing you to build out checkout and customer card management interfaces within your PWA, mobile app, or other 'headless' architecture. Note that adding or updating cards outside of Magento will require fully implementing the secure iframe payment form, or an equivalent solution.

Extensive API documentation and how-tos are available in our user manual.

Documentation

The user manual covers:

• Installation
• Configuration
• Features and usage
• Common questions and issues
• Technical info