Clover Fees: Processing Rates by Business Type
Clover prices by business type, and its processing rates come in pairs: a lower in-person rate and a higher keyed-in rate. We verified Clover's retail and quick-service restaurant pricing pages and list what we could not confirm so you do not have to guess.
Published rates
| What it applies to | Plan | Rate |
|---|---|---|
| Retail: card tapped, swiped or inserted | Retail Basic bundle | 2.6% + $0.10 |
| Retail: card tapped, swiped or inserted | Retail Standard bundle | 2.3% + $0.10 |
| Retail: card tapped, swiped or inserted | Retail Advanced bundle | 2.3% + $0.10 |
| Retail: card information typed in | — | 3.5% + $0.10 |
| Quick-service restaurant: card tapped, swiped or inserted | — | 2.3% + $0.10 |
| Quick-service restaurant: card information typed in | — | 3.5% + $0.10 |
| Rapid Deposit (funds within minutes) | — | 1.75% |
| Rates for full-service dining, professional, personal and home & field services | — | Open Clover pricing |
Other published fees
- Headline rate on Clover pricing page: "Pay as little as 2.3% + 10¢ per transaction"
- Retail hardware bundles: Basic $16/mo for 36 months or $349; Standard $180/mo for 36 months or $1,899 + $84.95/mo; Advanced $240/mo for 36 months or $2,648 + $104.90/mo
Source: Clover (Checked 2026-10-14).
- Not verified: Rates for full-service dining, professional, personal and home & field services — Clover prices by business type; only retail and quick-service restaurant pages were verified.
- Not verified: Software plan fee for each retail bundle — The page text was ambiguous.
- Not verified: Prices with a sales rep — Prices shown are for Clover.com online orders; a rep may quote differently.
Estimate your monthly cost
| What it applies to | Plan | Rate | Processing fees | Plan fee | Monthly total | Effective rate |
|---|
Estimate from published rates. Hardware, taxes, add-on services and negotiated pricing are not included. Effective rate = total monthly cost ÷ monthly sales.
How Clover fees work
Clover merchants pay a monthly software fee plus a processing rate per transaction. Clover explains that the processing rate is a percentage plus a flat fee, with a higher rate when the card number is typed in.
For retail, Clover's page shows card tapped, swiped or inserted at 2.6% + $0.10 on the Basic bundle and 2.3% + $0.10 on the Standard and Advanced bundles, and typed-in cards at 3.5% + $0.10 on all three. For quick-service restaurants it shows 2.3% + $0.10 in person and 3.5% + $0.10 typed in.
Clover's pricing landing page advertises "pay as little as 2.3% + 10¢ per transaction". Rapid Deposit, which pays out within minutes, is listed at 1.75%.
Worked example: a $100 retail sale on the Basic bundle costs $2.70 in processing fees when the card is tapped, and $3.60 when it is typed in.
Ways to lower your Clover costs
- Take cards by tap, swipe or insert rather than typing them in: the typed-in rate is higher.
- Check which bundle you need: for retail the in-person rate differs between Basic and Standard.
- Compare the full cost, including hardware and software subscriptions, not only the processing rate. Prices shown on Clover.com are online prices and a sales representative may quote differently.
- Use Rapid Deposit only when you need funds within minutes, because it adds a percentage fee.
Related tools and guides
Frequently asked questions
What are Clover's processing fees?
For retail, Clover's page lists 2.6% + $0.10 on the Basic bundle and 2.3% + $0.10 on Standard and Advanced for cards tapped, swiped or inserted, and 3.5% + $0.10 for typed-in cards. For quick-service restaurants it lists 2.3% + $0.10 in person and 3.5% + $0.10 typed in.
How much does a Clover system cost?
For retail Clover lists three hardware bundles: Basic at $16 a month for 36 months or $349, Standard at $180 a month for 36 months or $1,899 plus $84.95 a month, and Advanced at $240 a month for 36 months or $2,648 plus $104.90 a month. Clover's page notes processing fees are priced separately.
What about other business types?
Clover prices full-service dining, professional services, personal services and home and field services by business type. We have not verified those pages, so check Clover's site for those rates.
Does Clover lock you into a contract?
Clover's FAQ says its subscriptions are non-cancelable and ineligible for refunds, although an agreement can be ended through a buyout or upgrade. Read the agreement before you sign.
When were these fees checked?
We checked Clover's pricing pages on 2026-10-14. Confirm on Clover's site before you buy.
Sources
- Clover: pricing (checked 2026-10-14)
- Clover: retail pricing (checked 2026-10-14)
- Clover: quick-service restaurant pricing (checked 2026-10-14)
Last updated: · Prices verified: