Fresh install today.
loaded the engine and appupdated from sandbox links provided in the instruction.
I'm using the sale app in my emulator when I start the sale app add a value and hit charge. the Credit card screen shows CA$0.00.
Cash works fine.
Hardware-specific functionality like NFC, other secure payments, printing, and scanning are not possible within an emulator. Any card reading or card payment processing must be done on a Clover Device (Devkit). ( See docs)