Clover is similar to PayPal in you can send money to whoever you would like. They WERE running a promotion where you receive $5 when you sign up, but that promotion is no longer going on. When a new promotion starts, you will hear it here first!
(FULL DISCLOSURE: I receive $5 for every person who joins under my link)
Even if you never use the site (I'm not planning to), who doesn't like a free $5?