Clover Credit Card Processing Fees: Complete 2025 Breakdown

Section 1 — Clover Pricing Overview

Clover uses a tiered pricing structure that varies by plan. Unlike Square or Stripe, Clover pricing depends on which hardware bundle and software plan you choose, often sold through First Data/Fiserv or independent ISOs.

Plan / Hardware	Monthly Software Fee	Processing Rate
Clover Go (mobile reader)	$0/mo	2.6% + $0.10
Clover Flex (handheld)	$14.95/mo	2.3% + $0.10
Clover Mini (countertop)	$14.95/mo	2.3% + $0.10
Clover Station (full POS)	$44.95+/mo	2.3% + $0.10
Card-not-present / keyed	—	3.5% + $0.10

Important note: Clover pricing varies significantly by reseller. Rates listed above are from Clover Direct. ISO-sold Clover systems often carry higher rates and additional monthly fees that are not disclosed upfront.

Section 2 — True Cost: Hardware + Software + Processing

Clover's total monthly cost is a combination of hardware, software, and processing fees. Most merchants underestimate the full cost:

• Clover Station hardware: $1,349 upfront or financed at $59/month for 36 months (total: $2,124)
• Clover Restaurant plan: $84.95/month software fee
• Processing on $50,000/month: $1,150 at 2.3% (before per-transaction fees)
• Total monthly cost (restaurant doing $50k): ~$1,295 + any hidden fees

Section 3 — Hidden Fees Clover Merchants Often Miss

Beyond the published rates, Clover merchants frequently encounter additional charges:

• PCI non-compliance fees: $9.95–$29.95/month if annual PCI scan not completed
• Batch fee: $0.05–$0.15 per batch settlement
• Chargeback fees: $25–$35 per dispute regardless of outcome
• Early termination fee: $250–$500 for canceling before contract end
• App marketplace fees: Third-party apps in Clover App Market can add $10–$50+/month
• Customer support fees: Some ISO resellers charge for phone support

Section 4 — Compare With Interchange-Plus Pricing

A restaurant doing $50,000/month on Clover Station (including software and hardware financing) vs. interchange-plus with a comparable POS system:

Scenario	Monthly Processing Cost	Monthly Total (all fees)
Clover Station full package	~$1,150	~$1,295+
Interchange-Plus + compatible POS	~$900	~$950–$1,000
Potential Monthly Savings	~$250–$350	~$295–$345/month

Merchants locked into Clover with ISO-marked-up rates often pay 0.5%–1.5% above what they should. See our merchant processing fee breakdown to understand what a fair rate looks like.