SKOOR + Clover: Score Your Business From Your POS Data

Why Clover + SKOOR?

Clover, backed by Fiserv, is the fastest-growing POS platform in the world. Over 900,000 small businesses — restaurants, retail shops, service providers, salons — run their payments through Clover every day.

But Clover doesn't score your business. It doesn't tell you if your financial health is improving or declining. It doesn't give you a corporate expense card with limits that grow as your business grows. And it doesn't analyze whether you're overpaying on processing fees.

SKOOR does all of that.Connect your Clover account, and SKOOR reads your transaction data (read-only — we never write to your Clover account) to build a complete picture of your business's financial health.

What You Get

1. Business Health Score (0-1,000)

Your Clover transaction data feeds Pillar 2: Merchant Services Score of your Business Health Score. This pillar measures:

• Revenue Consistency — Is your monthly volume steady or erratic?
• Chargeback Rate — Low chargebacks signal trustworthy operations
• Average Ticket Stability — Consistent transaction sizes show predictable business
• Processing Diversity — Multiple card types and payment methods indicate maturity

Combined with Pillar 1 (AI Agent Score) and Pillar 3 (Business Credit from your spending), you get a 0-1,000 score that no one else provides. D&B PAYDEX only knows payment history. FICO SBSS only knows credit applications. SKOOR knows everything — because we see both sides of your money.

2. Corporate Expense Card

Every Clover merchant who connects gets a free SKOOR corporate card with score-based credit limits. No $25K minimum balance (unlike Ramp). No $50K minimum (unlike Brex). Your Clover transaction history IS your qualification.

As your score improves, your limits increase automatically:

• Poor (0-199): $500/day
• Fair (200-399): $1,000/day
• Good (400-599): $2,500/day
• Very Good (600-799): $5,000/day
• Exceptional (800-1,000): $10,000/day

3. Statement Analysis

Already processing on Clover? Upload your processing statement to our Statement Analyzer and see exactly how your effective rate compares to interchange-plus pricing. Most Clover merchants save $100-300/month by understanding their true costs.

How to Connect

1. Sign up at skoor.ai (free, 30 seconds)
2. Go to Dashboard > Settings > Integrations
3. Click Connect Clover
4. Authorize read-only access to your Clover merchant account
5. Your Business Health Score appears within 60 seconds

That's it. Your Clover data syncs daily. Your score updates automatically. Your card limits grow as your business grows.

For Clover Developers

SKOOR's Clover integration uses the Clover REST API with OAuth 2.0. We request merchant.read and orders.read scopes only — strictly read-only. Transaction data is imported daily and fed into the SKOOR scoring engine.

Building on Clover? SKOOR's Business Health Score API can add financial health intelligence to any Clover app. Check the developer docs.

The Fiserv Connection

Clover is owned by Fiserv, the largest merchant acquirer in the world ($2.4T+ in annual processing volume). SKOOR is applying to become a Fiserv ISO partner for interchange-plus processing. When that goes live, Clover merchants will be able to process payments through SKOOR at interchange-plus rates — lower than Clover's default flat-rate pricing — while keeping their Clover hardware and POS setup.

Same card reader. Lower rates. Better score.