How it works: We designed Clover to be fast, friendly, and out of the way. When you check into one of your favorite spots, Clover lets the merchant know that you're in the house. Just mention your first name when you make a purchase, and you'll be on your way to earning perks — no scanning of codes or fussing with gadgets at the counter. We've recently added mobile ordering capabilities, so you can skip the line and pick up your order. Look for the "Order Ahead" tab or shopping bag icon at participating businesses.