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Card processing sold with Clover devices and software: 2.6% + 10¢ in person on a $0 plan, 2.3% + 10¢ on larger plans, and non-cancelable subscriptions

Rates verified October 14, 2026
Credit Card Processing
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The Bottom Line

In-person card rate
2.6% + 10¢ (verified Oct 14, 2026). All rates and fees

Key facts

  • In person: 2.6% + 10¢ on the $0 Starter plan, 2.5% on Essentials, 2.3% + 10¢ on Growth plans. Typed in: 3.5% + 10¢.
  • Starter is $0 a month; Growth plans run $84.95 to $129.85 a month, and whole systems cost $16 to $354 a month over 36 months.
  • Subscriptions are non-cancelable, and termination fees depend on who sells you Clover.

Pros

  • A $0 Starter plan: you pay per sale, with a $199 Go reader or a $349 Compact terminal
  • The same rate for every card, including American Express and rewards cards
  • In-person rates fall to 2.3% + 10¢ on the Growth plans
  • Deposits typically arrive in 1 to 3 business days, with Rapid Deposit within minutes for 1.75%
  • Works without a device through the Virtual Terminal

Cons

  • Subscriptions are non-cancelable and ineligible for refunds
  • Clover devices cannot be used with other payment processors
  • Typed-in sales cost 3.5% + 10¢, and no online-store rate is published
  • Termination fees and contract terms vary by seller and are not published
  • The lowest in-person rate needs a Growth plan at $84.95 a month or more

At a glance

Rates verified October 14, 2026
Pricing model
Flat rate
In-person card rate
2.6% + 10¢ (Starter plan, $0 a month (Go reader or Compact terminal); 2.5% + 10¢ on Essentials and 2.3% + 10¢ on the Growth plans)
Keyed-in rate
3.5% + 10¢ (typed-in cards, every plan and system)
Monthly fee
Starter (Go reader) $0, Essentials $29.95, Services Growth $84.95, Retail Growth, one device $84.95, Retail Growth, two devices $104.90, Restaurant Growth, one device $89.95, Restaurant Growth, two devices $109.90, Restaurant Growth, three devices $129.85 a month
Free plan
Yes
Payout speed
Deposits are typically funded within 1 to 3 business days after the daily batch closes, and many businesses see the next business day. Rapid Deposit moves funds within minutes for a 1.75% fee.
Contract
Subscriptions are non-cancelable and ineligible for refunds, though a subscription agreement can be broken during a buyout or upgrade, and subscriptions can be paid off at any time. Contract terms and any termination fees vary by provider (Clover Direct, a bank or another partner).
Early termination
Not published as an amount. Clover says contract terms and any termination fees can vary based on your service provider, and that subscriptions are non-cancelable.
Holds and reserves
Clover does not publish a reserve or payout-hold policy on the pages we read. Its terms of use say Clover may suspend or end your access to the Clover Services without notice for any reason, including a breach of the terms, and that Clover accounts are subject to approval, including credit approval.
Card reader
$199 (Clover Go card reader)
Terminal
$349 (Clover Compact countertop terminal)
Best for
In-person sellers, Restaurants, Mobile and pop-up sellers
Other fees to know
Rapid Deposit (funds within minutes): 1.75% of the amount you move; Typed-in cards (every plan): 3.5% + 10¢; Software plans: Starter $0, Essentials $29.95, Services Growth $84.95, Retail Growth from $84.95, Restaurant Growth from $89.95 a month; Whole systems over 36 months: from $16 to $354 a month, by system, hardware and software together; Fee changes: Clover can add or change fees at any time with 30 days' notice (its terms of use); Pay by Bank: offered for large invoices; Clover does not publish its rate
Countries
United States (Clover's US pricing pages; Clover also runs separate sites for other countries, not covered here)

Sources: clover.com/pricing, clover.com/pricing/retail, read October 14, 2026

Is it worth it?

About $277 in person a month in fees on $10,000 of card sales

A business taking $10,000 a month in card payments, in about 167 sales of $60, would pay about $277 if every sale is in person (Starter (Go reader) plan at 2.6% + 10¢, with no monthly fee). Hardware, PCI fees, chargebacks and other fees are not included, and rates change, so the date above matters.

Read this before you sign up

  • Clover says subscriptions are non-cancelable and ineligible for refunds. A subscription can be ended through a buyout or an upgrade, or paid off at any time.
  • At the end of the term the subscription is extended at the same monthly charge unless you buy or return the equipment, and you must tell Clover at least 30 days before the term ends.
  • Contract terms and any termination fees vary by seller (Clover Direct, a bank such as Citi, PNC or Wells Fargo, or another partner) and Clover does not publish them. Prices on Clover.com are only available there.
  • The hardware promotion on Clover's retail pricing page, a $450 statement credit when you buy a Station, Mini or Flex, requires a 3-year contract according to its footnote, and it expires December 31, 2026.
  • Clover says its devices cannot be used with other payment processors, so choosing Clover hardware also means using Clover's processing.
  • The lowest in-person rate, 2.3% + 10¢, comes with the Growth plans at $84.95 a month or more; the $0 Starter plan costs 2.6% + 10¢.
  • Clover can add or change fees at any time with 30 days' notice, according to its terms of use.
  • Clover does not publish a chargeback fee, a PCI fee or an online-store rate on the pages we read.

Where these numbers come from

Checked October 14, 2026

Every rate and price on this page was read from the vendor's own pages on the dates below. Vendors change prices without notice, so check the current figure on their site before you decide.

  • Hero rate from 2.3% + 10¢; subscription FAQs (non-cancelable, end-of-term extension, termination fees vary by provider, devices cannot be used with other processors) Vendor page (2026-10-14)
  • Retail systems: in-person 2.6% / 2.3% + 10¢, typed-in 3.5% + 10¢, 36-month prices, Growth software fees, Rapid Deposit 1.75%, hardware promotion footnote (3-year contract) Vendor page (2026-10-14)
  • Full-service restaurant systems and Restaurant Growth software fees Vendor page (2026-10-14)
  • Quick-service restaurant systems and rates Vendor page (2026-10-14)
  • Professional services: Starter $0, Essentials $29.95, Services Growth $84.95, typed-in 3.5% + 10¢ Vendor page (2026-10-14)
  • Personal services systems and rates Vendor page (2026-10-14)
  • Home and field services: Go reader plan at 2.5% + 10¢, Flex plan at 2.3% + 10¢ Vendor page (2026-10-14)
  • Clover Go: Starter 2.6% + 10¢ and Essentials 2.5% + 10¢ with the $199 Go reader Vendor page (2026-10-14)
  • Device prices (Go, Compact, Flex, Flex Pocket, Mini, Station Solo, Station Duo) Vendor page (2026-10-14)
  • Rapid Deposit 1.75% and the 1 to 3 day standard settlement wording Vendor page (2026-10-14)
  • Deposits typically funded within 1 to 3 business days after the batch closes Vendor page (2026-10-14)
  • Deposit speed, termination fees vary by provider, no-device option Vendor page (2026-10-14)
  • Virtual Terminal: no extra monthly fee, charged at the keyed-in rate Vendor page (2026-10-14)
  • Same rates for all cards; fees structure FAQ (as low as 2.3% + 10¢) Vendor page (2026-10-14)
  • Typed-in payments are card-not-present and cost more Vendor page (2026-10-14)
  • Terms of use: fee changes with 30 days' notice, suspension or termination of access Vendor page (2026-10-14)

What is Clover?

Sources read on the date shown
Clover is a payments and point-of-sale system owned by Fiserv, and its card processing is sold together with Clover's own devices and software. The pages we read do not offer processing on its own, and Clover says its devices cannot be used with other payment processors. The cheapest way in is the Starter plan, which is $0 a month: you pay 2.6% + 10¢ when a card is tapped, dipped or swiped and 3.5% + 10¢ when you type the card number in. The Go card reader that goes with it is $199, and the Compact countertop terminal is $349. Paid plans lower the in-person rate: 2.5% + 10¢ on Essentials ($29.95 a month) and 2.3% + 10¢ on the Growth plans, which start at $84.95 a month for retail and services and $89.95 for restaurants. Clover also sells whole systems as a 36-month subscription, from $16 a month for the Compact to $354 a month for the largest full-service restaurant system. Deposits are typically funded within 1 to 3 business days, and Rapid Deposit moves money within minutes for a 1.75% fee. One thing to know: Clover says its subscriptions are non-cancelable and ineligible for refunds, and that contract terms and termination fees depend on who sells you Clover, whether Clover itself, a bank or another partner. Ask for the full terms in writing before you sign, and compare the monthly subscription with buying the hardware outright.
Sourceclover.com ↗

Key details

Starter plan at $0 a month, with the $199 Go reader or the $349 Compact terminalSame rates for every card, including American Express and rewards cardsVirtual Terminal in a web browser, with no device needed and no extra monthly feeRapid Deposit: funds within minutes for a 1.75% feeWhole systems paid over 36 months or bought outrightRetail, restaurant and service plans with their own toolsPay by Bank option for large invoices (rate not published)

Explore more

Best Credit Card Processing

Clover FAQ

How much does Clover charge per card sale?

A card tapped, dipped or swiped costs 2.6% + 10¢ on the Starter plan (Go reader or Compact terminal), 2.5% + 10¢ on Essentials and 2.3% + 10¢ on the Growth plans. A card typed in costs 3.5% + 10¢ on every plan. Clover says all cards, including American Express and rewards cards, have the same rates. Checked on Clover pricing page on October 14, 2026.

Does Clover charge a monthly fee?

The Starter plan is $0 a month. Essentials is $29.95 and Services Growth is $84.95. Retail Growth is $84.95 for one device and $104.90 for two, and Restaurant Growth runs from $89.95 to $129.85 depending on devices. Whole systems can also be paid over 36 months, from $16 a month for the Compact terminal to $354 a month for the largest full-service restaurant system. Checked on Clover pricing page on October 14, 2026.

Can I cancel a Clover subscription?

Clover says subscriptions are non-cancelable and ineligible for refunds, though an agreement can be ended through a buyout or an upgrade and a subscription can be paid off at any time. At the end of the term it is extended at the same monthly charge unless you buy or return the equipment, and you must tell Clover at least 30 days before the term ends. Contract terms and termination fees vary by provider. Checked on Clover pricing page on October 14, 2026.

How fast do I get paid with Clover?

Clover's help center says deposits are typically funded within 1 to 3 business days after the daily batch closes, and its FAQ says many businesses see the next business day. Rapid Deposit, which sends funds within minutes, costs 1.75% of the amount you move. Checked on Clover pricing page on October 14, 2026.

Can I use Clover without buying a device?

Yes. Clover's professional services plans start at $0 a month on the Starter plan, and its Virtual Terminal takes card payments from a web browser with no extra monthly fee. Those sales are charged at the typed-in rate, 3.5% + 10¢. If you want to take cards in person from a phone, the Go reader is $199. Checked on Clover pricing page on October 14, 2026.

Can I use another processor with Clover?

Clover says Clover devices may be bought or leased from other sellers but cannot be used with other payment processors. It sells directly and through banks such as Citi, PNC and Wells Fargo and other partners, and the price and contract you get can depend on the seller. Checked on Clover pricing page on October 14, 2026.

Source: clover.com