Clover fees & pricing
Fiserv (Clover) · Flat rate · best for retail and restaurant point-of-sale
Clover uses flat rate pricing. Its headline rate is 3.50% + $0.10, which works out to about 3.70% effective on a $50.00 sale. International / cross-border: Pass-through on international cards; varies by contract. Chargeback fee: $25.00 per chargeback (varies by plan). Monthly fee: $0–$165/mo software plan + hardware cost. Clover (Fiserv) is a POS + payments bundle. Card-present rates are around 2.3%–2.6% + $0.10 and card-not-present around 3.5% + $0.10, depending on the plan and reseller. Hardware (Station, Flex, Mini) is an upfront or financed cost. Rates and monthly fees vary widely by the merchant-services reseller selling Clover.
Source: Fiserv (Clover) pricing. Data as of June 2026.
Note: These are general estimates, not a quote or offer. Your real rate depends on your card mix, volume, region, risk profile and the contract you sign.
Clover fee structure
| Pricing model | Flat rate |
|---|---|
| Headline rate | 3.50% + $0.10 |
| Monthly fee | $0–$165/mo software plan + hardware cost |
| International / cross-border | Pass-through on international cards; varies by contract |
| Chargeback fee | $25.00 per chargeback (varies by plan) |
| Payout speed | Next business day (standard) |
| Best for | retail and restaurant point-of-sale |
Source: Fiserv (Clover) pricing. Snapshot June 2026 — processors change pricing; verify on the provider's pricing page before relying on a figure.
What you pay per transaction
| Transaction size | Rate applied | Fee charged | Effective rate |
|---|---|---|---|
| $10.00 | 3.50% + $0.10 | $0.45 | 4.50% |
| $50.00 | 3.50% + $0.10 | $1.85 | 3.70% |
| $200.00 | 3.50% + $0.10 | $7.10 | 3.55% |
Source: Fiserv (Clover) pricing page. Data as of June 2026.
Cost pros & cons
Where Clover saves money
- Full POS ecosystem (hardware + apps)
- Strong for retail and restaurants
- Next-day funding
Watch-outs
- Rates/fees vary by reseller — shop around
- Hardware lock-in
- Higher card-not-present rate
Frequently asked questions
What are Clover's payment-processing fees?
Clover charges 3.50% + $0.10 on card payments. For a $50.00 transaction that works out to roughly 3.70% effective. There is no monthly fee on the standard plan. Snapshot June 2026 — processors change pricing; verify on the provider's pricing page before relying on a figure.
Does Clover charge a monthly or setup fee?
$0–$165/mo software plan + hardware cost.
How much does Clover charge for international cards and chargebacks?
International / cross-border: Pass-through on international cards; varies by contract. Chargeback / dispute fee: $25.00 per chargeback (varies by plan). International cards and disputes can dominate the effective rate for global merchants.
Is Clover good for my business?
Clover is best for retail and restaurant point-of-sale. Full POS ecosystem (hardware + apps). Watch out: rates/fees vary by reseller — shop around. Model your real volume and ticket size in our calculator before deciding. These are general estimates, not a quote or offer. Your real rate depends on your card mix, volume, region, risk profile and the contract you sign.
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Source & accuracy
Figures are a dated snapshot from Fiserv (Clover)'s pricing page (as of June 2026). Payment fees change without notice and vary by region, risk and contract — verify on the vendor's page before signing. These are general estimates, not a quote or offer. Your real rate depends on your card mix, volume, region, risk profile and the contract you sign. See our methodology and disclaimer.
Last updated: 2026-06-29