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Clover Error Code 91: Issuer or Switch Unavailable - Quick Fixes & Solutions

Network outages are beyond your control but still impact your sales. You're stuck waiting for banks to get their systems back online.

Quick Fixes to Try Right Now

1

Wait and Retry

Network issues are often resolved within minutes - try again shortly.

2

Try Different Card

A card from a different issuer may route through working networks.

3

Accept Cash

Keep the sale by offering cash or alternative payment.

4

Check Clover Status

Verify if there's a widespread outage affecting multiple merchants.

Still Having Issues? Compare Your Options

Feature Clover CapClover
Customer Support Long hold times, unresponsive Your assigned rep's direct line
Business Funding Limited or no options Up to $500,000
Approval Time Weeks or denied Same-day decisions
Hidden Fees Frequently reported Transparent pricing
Contract Terms Early termination fees Flexible terms

Tired of Clover Headaches?

Get business funding up to $500,000 with your own dedicated rep - this is their direct line, not a call center.

Frequently Asked Questions

What is Clover error code 91?
Error code 91 means 'Issuer or Switch Unavailable.' The bank's system or payment network is temporarily down or unreachable.
How long do network outages last?
Most are resolved within 5-30 minutes, though major outages can last longer. Check @AskClover on Twitter for updates.
Is error 91 my fault?
No, this is an issue with the banking network or card issuer's systems. Your terminal and setup are fine.