Clover pricing: what you'll really pay

The bottom line

Clover sells bundles of hardware and software. You either rent a bundle for a monthly fee over 36 months (48 on some restaurant offers), or buy the hardware up front and pay a monthly software fee. Rent, and the subscription keeps billing unless you give 30 days’ notice before it ends.

Clover fees at a glance

Visit Clover

Pricing model

mixed

Contract

36-month hardware subscription option; terms vary by reseller

Payouts

Not published

Payment type	Rate	Source
In person (card present)	2.3% + 10¢	clover.com
Keyed in	3.5% + 10¢	clover.com

Monthly fees and plans

• Retail Standard software (on top of $1,899 hardware purchase): $84.95
• Retail Advanced software (on top of $2,648 hardware purchase): $104.90
• Restaurant Starter software (on top of $1,799 hardware purchase): $89.95
• KDS per device: $25
• Retail Basic (Compact + Starter): $16/month
• Retail Standard (Station Duo + Retail Growth): $180/month
• Retail Advanced (Duo + Flex + Retail Growth): $240/month
• Restaurant Starter (Station Solo + Restaurant Growth): $179/month
• Restaurant Standard: $239/month
• Restaurant Advanced: $354/month

Checked October 22, 2026 on clover.com. Prices change, so confirm with Clover before you sign.

The table above shows Clover’s lowest in-person rate. Each bundle on Clover.com:

Bundle	Rent for 36 months	Or buy	In person
Retail Basic	$16 a month	$349	2.6% + 10¢
Retail Standard	$180 a month	$1,899 + $84.95 a month	2.3% + 10¢
Retail Advanced	$240 a month	$2,648 + $104.90 a month	2.3% + 10¢
Restaurant Starter	$179 a month (or $175 for 48 months)	$1,799 + $89.95 a month	2.3% + 10¢
Restaurant Standard	$239 a month (or $232 for 48 months)	$2,548 + $109.90 a month	2.3% + 10¢
Restaurant Advanced	$354 a month (or $342 for 48 months)	$4,447 + $129.85 a month	2.3% + 10¢

Who it’s for

• Retail shops and restaurants that want a full setup. Clover publishes separate pricing for dining, quick service, retail, professional services, personal services and home and field services.
• Owners who’d rather not pay for hardware up front. The subscription option spreads the cost over 36 months.
• Small shops that need only the basics. Retail Basic is the cheapest bundle in the table.

Who should skip it

• Owners who don’t want a long commitment. The subscriptions run 36 months (48 on some restaurant offers), and Clover’s hardware promotion “Requires a 3-year contract.”
• Anyone who forgets renewal dates. Miss the end-of-term choice and the subscription keeps billing.
• Businesses buying through a bank. A bank’s price and terms can differ from Clover.com’s (see below).

The catch

Subscriptions extend on their own. Clover says that if you don’t choose to buy or return your equipment, “your subscription term will be extended at the same monthly charge.”

You need 30 days’ notice. Clover says “you’ll need to inform Clover at least 30 days before the end of the subscription term.”

You can’t cancel a subscription early. Clover says “Subscriptions are non-cancelable and ineligible for refunds.” It says you can pay one off at any time, or break it in a buyout or upgrade.

The promotion has strings. Clover’s hardware promotion needs a 3-year contract and “$10,000 or greater in card transactions within the first four billing cycles.”

Fast cash costs extra. Rapid Deposit, which gets you funds within minutes, costs 1.75%.

Kitchen screens cost monthly. Clover lists its KDS screens at $799 or $899, plus $25 a month per device.

What it costs at your size

These are our estimates, from Clover.com’s listed prices and the rent-for-36-months option, assuming every payment is an in-person card.

Example 1: Retail Basic, $10,000 a month, 400 payments.

• Rate: 2.6% × $10,000 = $260
• Per-sale fee: 400 × 10¢ = $40
• Bundle: $16
• Estimated total: $316 a month

Example 2: Retail Standard, the same $10,000 and 400 payments.

• Rate: 2.3% × $10,000 = $230
• Per-sale fee: 400 × 10¢ = $40
• Bundle: $180
• Estimated total: $450 a month

The lower rate on Standard saves $30 a month at this size, but the bundle costs $164 more. Standard makes sense for the features, not the rate, unless your sales are much higher.

More worked examples (3 to 4)

Example 3: a busier shop, $40,000 a month, 1,000 payments.

Setup	Card fees	Bundle or software	Estimated total
Retail Basic, rented	2.6% × $40,000 + 1,000 × 10¢ = $1,140	$16	$1,156
Retail Standard, rented	2.3% × $40,000 + 1,000 × 10¢ = $1,020	$180	$1,200
Retail Standard, hardware bought for $1,899	$1,020	$84.95	$1,104.95, after $1,899 up front

Even at $40,000 a month, renting Standard costs $44 more than Basic. Its 0.3% lower rate only covers the $164 higher bundle price at about $54,700 a month in card sales. Buying Standard changes the math: spread the hardware over 36 months (about $52.75 a month) and it comes to about $1,158, level with Basic.

Example 4: a restaurant on Restaurant Starter, $25,000 a month, 1,000 payments.

• Rate: 2.3% × $25,000 = $575
• Per-sale fee: 1,000 × 10¢ = $100
• Bundle: $179 ($175 on the 48-month offer)
• Estimated total: $854 a month ($850 on the 48-month offer), an effective rate of about 3.4%

Add one 14-inch kitchen display and you pay $799 up front plus $25 a month. That’s a monthly total of $879.

Compare your current costs in the fee calculator before you sign anything.

Rent or buy: the 36-month math

Over the full term, by our arithmetic from Clover.com’s prices. Card fees are left out, since they’re the same either way.

Bundle	Rent: 36 payments	Buy: hardware + 36 months of software	Buying saves
Retail Basic	$576	$349 (no software fee shown)	$227
Retail Standard	$6,480	$1,899 + $3,058.20 = $4,957.20	$1,522.80
Retail Advanced	$8,640	$2,648 + $3,776.40 = $6,424.40	$2,215.60
Restaurant Starter	$6,444	$1,799 + $3,238.20 = $5,037.20	$1,406.80
Restaurant Standard	$8,604	$2,548 + $3,956.40 = $6,504.40	$2,099.60
Restaurant Advanced	$12,744	$4,447 + $4,674.60 = $9,121.60	$3,622.40

On the 48-month offer Clover shows some visitors, the restaurant math changes: Starter rents for $175 × 48 = $8,400 against $1,799 + $4,317.60 = $6,116.60 bought (buying saves $2,283.40), Standard $11,136 against $7,823.20 (saves $3,312.80), Advanced $16,416 against $10,679.80 (saves $5,736.20).

On every bundle, buying costs less over three years, if you have the cash up front. Renting suits owners who’d rather keep that cash for now.

Then look at year four. If you rent and don’t act, Retail Standard keeps billing $180 a month, or $2,160 a year. If you bought, you keep paying the software fee, $84.95 a month or $1,019.40 a year. Clover’s page doesn’t say that fee ever stops.

Clover’s shop also lists each device on its own, from $199 for Clover Go to $1,899 for the Station Duo. We multiply out every device’s monthly price on our card terminals page.

Whichever way you pay, the hardware stays tied to Clover, so buying doesn’t free you to switch (see Leaving Clover below).

Buying Clover from a bank or reseller

Clover isn’t only sold by Clover. Clover says it’s also sold by Citi, PNC, Wells Fargo and more than 3,000 other financial institutions. That matters because:

• Clover says the prices on its site “are only available on Clover.com.”
• Clover says contract terms and any termination fees “can vary based on your service provider.”
• Clover’s offers name First Data as the company that decides eligibility: “Eligibility is determined solely by First Data Merchant Services LLC.”

If your bank offers you Clover, ask for these in writing:

1. The in-person, typed-in and online card rates on the plan you’d get.
2. The monthly software or bundle fee, and how many months it runs.
3. The early termination fee, and the notice you must give to leave.
4. What happens to the hardware at the end of the term.
5. Any fees not on Clover.com, such as statement, PCI or chargeback fees.

Then put the quote next to Clover.com’s prices above. If it’s higher, you know what to ask about.

What Clover doesn’t publish

A few numbers you’ll need are missing from Clover’s US pricing pages. Ask for each one before you sign.

• An online card rate. Clover lists in-person and typed-in rates. Its FAQ mentions a “slightly higher ‘typed-in’ fee” for card-not-present sales, but only as an example.
• Standard payout timing. Only the paid Rapid Deposit is priced.
• A chargeback fee. Not listed on the pricing pages we checked.
• Termination fees. These depend on who sold you Clover.

Every one of these can change the real cost. A provider that publishes them, like Square, is easier to compare.

Leaving Clover

Notice. Clover’s terms say either you or Clover can end your Clover account “by giving the other 30 days’ notice.”

The exit fee depends on who sold it to you. Your bank or reseller’s contract decides it, not Clover.com.

Your devices stay behind. Clover says its devices “cannot be used with other payment processors,” even if you bought or leased them somewhere else. Price new hardware at your next provider.

Money held back. Clover’s help center says Fiserv may hold back part of a batch of sales when an account must keep a minimum reserve.

Before you give notice, ask your seller in writing for the termination fee, what you’d still owe on any hardware subscription, and when any reserve will be released. Then see what you can cut or switch to on our lower your fees page.

Compared with

• Square: 2.6% + 15¢ in person on its Free plan, with no monthly fee and no contract. You buy hardware, from $59 for a reader.
• Toast: built for restaurants, with a $0 a month Starter Kit at 3.09% per card sale, or 2.49% if you buy the hardware and pay monthly for software.