Clover POS Fees Explained (and How to Pay 0%)

Clover is one of the most common point-of-sale systems you'll see at counters around Miami-Dade and Broward, from coffee shops to auto shops. It's easy to use and the hardware is solid. But when business owners ask "how much does Clover cost?", the honest answer is: it depends on who sells it to you and how your account is set up.

Clover fees come in layers. Some you pay once, some you pay every month, and some you pay on every single sale. This guide walks through what merchants typically pay when they buy Clover directly or through a bank, and then shows how a different setup, Clover dual pricing, can bring your processing rate to 0%.

Why Clover pricing is confusing

Clover is owned by Fiserv, and you can get it in two main ways:

1. Directly from Clover, or through a bank, with processing through Fiserv or the bank's program.
2. Through an independent processor that sells Clover equipment and sets up your account its own way.

Each seller sets its own terms. That's why two businesses using the same Clover Mini can pay very different amounts. When you compare, look at the full set of fees, not just the hardware price or the headline rate.

Comparing systems? See Clover vs. Square for a side-by-side look at fees, hardware and best fit.

What merchants typically pay for Clover

The figures below are what merchants typically pay buying Clover direct, according to NerdWallet's 2026 review. Bank programs are often priced in a similar way. They're a useful baseline for reading any quote.

1. Hardware

This is the device itself. According to NerdWallet's 2026 review, Clover's listed hardware prices included:

• Clover Go mobile reader: $199
• Clover Flex (handheld with printer): $749
• Clover Mini: $849
• Clover Station Solo: $1,799
• Clover Station Duo: $1,899

Some sellers discount hardware in exchange for a contract. Read the terms. A hardware deal tied to a long agreement isn't really free if you want to leave early.

Also good to know: Clover devices are typically programmed for the processor that sold them. If you switch processors later, you may not be able to bring your device with you.

2. Software plans (monthly)

On top of hardware, Clover charges a monthly software plan. The plan decides which features you get, such as inventory, online ordering, table management or appointment booking.

NerdWallet's 2026 review lists Clover's plans at $0 to $129.85 per month depending on business type and tier. For example, the entry-level full-service restaurant plan was listed at $89.95 per month, and the mid-tier retail plan at $84.95.

3. Processing fees (per transaction)

This is usually the biggest cost, because you pay it on every card sale.

Clover's standard pricing is flat-rate: a percentage plus a few cents per transaction. According to NerdWallet's 2026 review, Clover's in-person rates run 2.3% to 2.6% plus 10 cents depending on the plan, and 3.5% plus 10 cents for online or keyed-in payments.

To see what that means in dollars, take a $25 in-person sale at 2.3% plus 10 cents:

• 2.3% of $25 = $0.575
• Plus $0.10 = about $0.68 per sale

That looks small. But it repeats on every card payment, every day. Multiply your monthly card sales by your rate and the number adds up fast.

Some processors use interchange-plus or tiered pricing instead of flat-rate. We explain the differences in Flat Rate vs. Tiered vs. Interchange-Plus.

4. Account and other fees

These are the smaller line items that are easy to miss. Depending on who sells you Clover, your statement may include:

• A monthly account or merchant ID fee
• A PCI compliance fee (PCI is the card industry's data security standard)
• Chargeback fees when a customer disputes a charge
• Early termination fees if you signed a contract and cancel early

Contracts: the fee that doesn't show up on day one

According to NerdWallet, Clover's hardware promotions require a three-year contract, and businesses that process through Clover may owe a termination fee if they cancel within that period. Before you sign anything, ask how long the agreement is, what it costs to cancel early, and whether you own or lease the equipment. Get the answers in writing.

The alternative: 0% processing with Clover dual pricing

Here's the part most fee guides skip. You can keep Clover and stop paying a percentage on every card sale.

With dual pricing, every item has two prices: a cash price and a card price. For example, an item might be $10.00 cash or $10.40 card. Customers see both prices before they pay and choose how they want to pay. The card price covers the cost of accepting the card, so your business pays 0% processing on every card payment: in person, online or keyed in.

Clover has dual pricing built in, so there's no add-on app to install. You can see how it works at the register on our Clover dual pricing page.

With Pine Payments, Clover dual pricing comes with:

• 0% processing on all card payments: in-person, online and keyed-in
• No setup fees
• No contracts
• Running within 72 hours for most merchants
• New Clover equipment included for qualifying dual pricing accounts

Dual pricing isn't the same as surcharging, which adds a fee to credit card payments only and has its own card network rules. If you're weighing the two, read What Is Surcharging?.

Clover direct vs. Pine Payments

*Clover direct figures are according to NerdWallet's 2026 review. Prices can change.

How to find your real Clover cost today

If you're already on Clover, your monthly processing statement tells you what you're paying:

1. Find your total fees for the month.
2. Find your total card volume for the month.
3. Divide fees by volume. That's your effective rate, the single number that shows what card acceptance really costs you.

Then add your software plan and any equipment lease payments. That's your true monthly Clover cost, and it's the number to compare against 0%.

Statements can be hard to read. Our guide on how to read a credit card processing statement walks through it line by line.

Clover fee checklist

Before you sign up for Clover, or when you review your current setup, check:

• Hardware price, or lease terms if you're not buying outright
• Monthly software plan and what it includes
• In-person processing rate
• Online and keyed-in processing rate
• Monthly account and PCI fees
• Chargeback fee
• Contract length and early termination fee
• Whether you can take the device with you if you switch processors
• Whether dual pricing is available, so you can pay 0% processing

Frequently asked questions

How much does Clover POS cost per month?

It depends on who you buy from. According to NerdWallet's 2026 review, Clover's own software plans range from $0 to $129.85 per month, and processing fees are charged separately on every sale. With Pine Payments' Clover dual pricing, your processing rate is 0% on in-person, online and keyed-in payments.

What are Clover's processing fees?

According to NerdWallet's 2026 review, buying Clover direct means in-person rates of 2.3% to 2.6% plus 10 cents per transaction, and 3.5% plus 10 cents for online or keyed-in payments. With Pine Payments' Clover dual pricing, the card price covers the cost of the card, so your business pays 0% on every card payment, whether it's tapped, dipped, swiped, online or keyed in.

Can I run dual pricing on Clover?

Yes. Clover has a built-in dual pricing feature that shows a cash price and a card price at checkout, such as $10.00 cash or $10.40 card. Pine Payments sets it up for you.

Can I get Clover equipment without buying it?

With Pine Payments, new Clover equipment is included for qualifying dual pricing accounts. Call us to see if your business qualifies.

Is there a Clover POS with no contract?

Yes. Pine Payments' Clover dual pricing has no contracts and no setup fees. If you buy elsewhere, always ask about contract length and cancellation fees before you sign.

Pay 0% processing on Clover

Pine Payments sets up Clover dual pricing for businesses across Miami-Dade and Broward. You pay 0% processing on in-person, online and keyed-in card payments, with no setup fees and no contracts, and most merchants are running within 72 hours. New Clover equipment is included for qualifying dual pricing accounts, and ACH payment solutions are available too.

Want to see what you'd save compared with your current statement? Call 786-383-1656 or visit [pinepymt.com](https://www.pinepymt.com).