Clover fee record · PW-MF/CLOVER
Clover fees (2026): what you really pay on card processing.
The short answer
Bought directly from Clover/Fiserv, rates run about 2.3–2.6% + 10¢ card-present and 3.5% + 10¢ keyed, as read June 2026. But Clover hardware is resold by thousands of banks and ISOs, and the rate you’re actually signed to can be far higher — some third-party analyses report effective rates of 4–5%.
Direct-from-Clover/Fiserv rates; the rate you are actually signed to depends on your reseller. US, as read June 24, 2026. Pricing model: Flat-rate direct — but resold by thousands of banks/ISOs at widely varying rates. These are list rates — verify against your own statement.
These are published rates, recorded and dated — not "what others actually pay" (that comes only from verified invoices, of which we hold none yet). The number that tells you whether you're overpaying is your processor markup above interchange.
Published rates · as read 2026-06-24
Clover's published processing rates
| Transaction type | Published rate |
|---|---|
| Card-present — direct (by plan) | 2.3%–2.6% + 10¢ |
| Keyed / card-not-present — direct | 3.5% + 10¢ |
Monthly software / plan fee
- Essentials$14.95/mo
- Register / Standard$49.95/mo
- Counter-service restaurant$54.95/mo
- Full-service dining$84.95/mo+
Add-on lines to watch
- 36-month contracts common via resellers
- Early-termination fees reported at $500–$2,000+ via some resellers
- Setup / installation / registration fees
- App Market subscriptions
Read this first: Important: the rates above are the direct-from-Clover/Fiserv rates. Reseller pricing varies enormously and is often materially higher — the only reliable figure is your own statement’s effective rate. Treat any quoted Clover rate as account-specific.
Common questions
Clover fees — questions
Why is my Clover rate higher than the advertised price?
Because Clover hardware is sold through thousands of independent resellers (banks and ISOs), each setting its own rate, monthly fee, and contract. The ~2.3–2.6% direct rate is real, but resold tiered pricing can push your effective rate higher — some third-party analyses report 4–5% — by moving transactions into higher-cost buckets. Your statement’s effective rate is the only number that tells you what you actually pay.
Are Clover’s fees negotiable?
The processing markup and contract terms are often negotiable — but with whom matters: you negotiate with your specific reseller, not Clover itself. Equipment leases and long contracts with early-termination fees are the lock-in to watch. Isolate your markup above interchange before you negotiate.
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