Clover Fee Calculator

Calculate Clover POS processing fees for retail, restaurant, and service businesses. See estimated costs for in-person, online, and invoice transactions.

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Clover: In-Person

2.3% + $0.10

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In-Person Transactions

Online/Remote Transactions

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About Clover Processing Fees

Clover is one of the most popular POS (Point of Sale) systems in the US, powering retail stores, restaurants, salons, and service businesses. Owned by Fiserv (one of the world's largest payment processors), Clover combines hardware, software, and payment processing into a single ecosystem.

Here's the fee reality: Clover charges 2.3% + $0.10 for in-person transactions if you're on one of its Growth plans. On Essentials ($29.95/month) it's 2.5% + $0.10, and on Starter, which has no software fee, 2.6% + $0.10. For online orders, invoices, or keyed-in cards, the rate jumps to 3.5% + $0.10.

On the Growth plans that's cheaper than Square for in-person transactions (Square Free charges 2.6% + $0.15). However, Clover's paid plans add monthly software fees from $29.95 to $89.95 depending on which plan and features you need. Square offers a completely free plan, making it better for low-volume businesses.

The calculator above helps you estimate what you'll pay per transaction. Choose your plan tier, enter your sale amount, and see the real cost before committing to Clover.

How Clover Fees Are Calculated

Clover uses flat-rate pricing, meaning you pay a fixed percentage plus a small fixed fee per transaction. The rate depends on your software plan and how the card is processed.

Clover Processing Rates:

In-Person Transactions:

• Starter: 2.6% + $0.10
• Essentials: 2.5% + $0.10
• Retail Growth: 2.3% + $0.10
• Services Growth: 2.3% + $0.10
• Restaurant Growth: 2.3% + $0.10

Card-Not-Present:

• Online Orders: 3.5% + $0.10
• Email Invoices: 3.5% + $0.10
• Virtual Terminal: 3.5% + $0.10
• Keyed-In Cards: 3.5% + $0.10

Monthly Software Fees:

• Starter: $0/month
• Essentials: $29.95/month
• Retail Growth: $84.95/month
• Services Growth: $84.95/month
• Restaurant Growth: $89.95/month

With the hardware bought outright. Clover also sells each system as a 36-month subscription that includes the software.

Real Example - Retail Store:

Customer buys $150 worth of products (card present, Retail Growth plan):

• Sale amount: $150.00
• Processing fee (2.3%): -$3.45
• Fixed fee: -$0.10
• You receive: $146.45

Total cost: $3.55 (2.37% of $150). Plus $84.95/month software fee.

Hidden Costs Nobody Tells You About

Clover's advertised fees look great on paper. But here are the extras that can sneak up on you:

⚠️ Watch Out For:

1. Hardware Costs: Clover Station Duo costs $1,899 upfront plus $84.95/month for Retail Growth software, or $180/month as a 36-month subscription ($6,480 total). Clover Flex is $749 or $40/month for 36 months on Starter. Termination fees, where they apply, depend on who sold you the system.

2. 36-Month Subscriptions: A subscription locks you in for 3 years. Want out early? Ask about cancellation terms before you sign. This is brutal if your business pivots or closes.

3. Premium Apps: Many Clover App Market apps (reporting, loyalty, accounting sync) carry their own monthly subscription on top of the software plan, so add them to the budget.

4. Reseller Markup Trap: Third-party resellers can quote a higher in-person rate than Clover.com's 2.3% + $0.10 on the Growth plans. Every half-point above it costs $250.00 a month on $50K of card sales. Always compare against Clover.com: our credit card processing fee calculator shows what a quoted rate costs a month.

5. Chargeback Fees: Clover's pricing pages list no chargeback fee, so check your merchant agreement: processors commonly charge one per dispute. High-risk businesses can rack up hundreds monthly.

6. PCI Compliance Fee: Some resellers add a monthly PCI compliance fee. Ask whether yours does.

💰 How to Avoid These Costs:

✓ Buy hardware outright if you have cash: a Station Duo saves $1,522.80 over a 36-month subscription
✓ Always buy from Clover.com, not random resellers or sales reps
✓ Read the contract carefully and look for early termination clauses
✓ Start with free/cheap apps and upgrade only when absolutely needed
✓ Negotiate if you process $50K+/month (custom rates are available)

Clover: The Honest Pros & Cons

✓Advantages

• Low in-person rates: 2.3% + $0.10 on the Growth plans, below Square Free's 2.6% + $0.15: about $212.50 a month less on $50K of $40 sales
• All-in-one system: POS, payments, inventory and employee management, with no need for 5 different tools
• Professional hardware: Looks like a real business, not a smartphone on a stand
• Backed by Fiserv: One of the world's largest processors, so it won't disappear overnight
• Restaurant-ready: Table management, kitchen tickets, split checks built in
• App marketplace: 300+ integrations for accounting, loyalty, marketing, payroll
• Next-day deposits: Get paid fast (most banks), or within minutes with Rapid Deposit for a 1.75% fee

✗Disadvantages

• Expensive hardware: $749 (Flex) to $1,899 (Station Duo) upfront, or a 36-month subscription
• 36-month subscriptions: You're stuck for 3 years, which is brutal if you want to switch
• Monthly fees add up: $29.95-$89.95/month software on the paid plans, plus any paid apps
• Online fees are high: 3.5% + $0.10 for e-commerce against Square Free's 3.3% + $0.30: the same on a $100 sale, dearer above it
• Reseller nightmare: Buy from wrong vendor, get ripped off with a higher rate
• Customer support varies: Quality depends on whether you bought direct or through reseller
• US/Canada only: No international expansion options

Clover vs Square vs Toast: The Real Comparison

Let's cut through the marketing noise. Here's how Clover's published rates compare with Square's, from each one's own calculator:

Feature	Clover	Square
In-Person Rate	2.3% + $0.10 (Growth plans)	2.6% + $0.15
Online Rate	3.5% + $0.10	3.3% + $0.30
Monthly Fee	$0-$89.95	$0 (free plan)
Hardware Cost	$749-$1,899	$0-$899
Contract	36 months (subscription)	None

Square on its Free plan. Toast has no calculator on this site, so its rates are not quoted here; check them with Toast directly.

Choose Clover If:

✓ Processing $20,000+/month in-person
✓ Need advanced inventory management
✓ Want all-in-one hardware/software
✓ Can afford upfront costs
✓ Plan to stay for 3+ years

Choose Square If:

✓ Just starting ($0-$20,000/month)
✓ Want zero monthly fees
✓ Need flexibility to switch
✓ Low upfront investment
✓ Simple plug-and-play

Choose Toast If:

✓ Running a restaurant
✓ Need online ordering
✓ Restaurant-specific features
✓ Table management
✓ Kitchen display systems

Frequently Asked Questions

How much does Clover charge for credit card processing?

Clover charges 2.3% + $0.10 for in-person transactions on its Growth plans (Retail, Services and Restaurant Growth), 2.5% + $0.10 on Essentials and 2.6% + $0.10 on Starter. Card-not-present transactions (online, invoices, keyed-in) cost 3.5% + $0.10 on every plan. Monthly software fees range from $0 on Starter to $89.95.

Is Clover POS cheaper than Square?

In person, Clover's Growth-plan rate (2.3% + $0.10) is 0.3% and $0.05 a sale below Square Free's 2.6% + $0.15: at a $40 average sale that is about $212.50 a month on $50,000 of card sales. But Retail Growth costs $84.95 a month and Square Free costs nothing, so at that average sale Clover only comes out ahead above roughly $20,000 a month. Online, Clover's 3.5% + $0.10 and Square's 3.3% + $0.30 cost the same on a $100 sale; Clover is cheaper below that and Square above it.

Does Clover have monthly fees?

Yes, on most plans. With the hardware bought outright, the software costs Essentials ($29.95), Retail Growth ($84.95), Services Growth ($84.95) and Restaurant Growth ($89.95) a month. Starter has no software fee but the highest in-person rate, 2.6% + $0.10.

What is the difference between Clover Essentials and Retail Growth?

Essentials ($29.95/month) has basic inventory and employee tools with 2.5% + $0.10 processing fees. Retail Growth ($84.95/month) includes advanced inventory, e-commerce integration, and lower 2.3% + $0.10 processing fees. The 0.2% saving covers the extra $55 a month once you process about $27,500 a month in person.

Can I cancel my Clover contract early?

Clover's hardware subscriptions run for 36 months. Clover says contract terms and any termination fees vary by who sold you the system (Clover direct, a bank partner or one of thousands of other resellers), so get the termination clause in writing before you sign. If you're leasing hardware, you may also owe the remaining payments.

Should I buy or lease Clover hardware?

Buying outright is cheaper over the full term. Clover lists the Station Duo retail system at $180/month for 36 months ($6,480 in total), or $1,899 up front plus $84.95/month for Retail Growth software ($4,957.20 over the same 36 months), so buying saves about $1,522.80. The subscription spreads the cost if you would rather preserve cash flow.

Is Clover worth it for restaurants?

For full-service and quick-service restaurants Clover sells Restaurant Growth ($89.95/month with the hardware bought outright), with tableside ordering, kitchen display integration and split checks, at 2.3% + $0.10 in person. Online orders are typed-in payments at 3.5% + $0.10, so if most of your sales come in online, compare that rate with restaurant-specific platforms such as Toast before committing.

Last Updated: Fees checked October 2026 against Clover's pricing pages | In person 2.3% + $0.10 on Growth plans, 2.5% + $0.10 on Essentials, 2.6% + $0.10 on Starter; typed-in and online 3.5% + $0.10. Resellers and bank partners can price differently; verify with your merchant services provider. How we check figures