How it works
Clover is a payments hardware and software platform owned by Fiserv, but it's sold to merchants through a network of independent resellers — ISOs like us — who each set their own processing rates, program fees, and contract terms on top of the same underlying hardware. This is structurally different from Square or Toast, where the company selling you the box also sets the one processing rate that comes with it.
The practical effect: 'Clover fees' isn't one number. A restaurant on Clover through one ISO might be on transparent interchange-plus pricing with no contract; a restaurant on Clover through another ISO might be on a bundled, marked-up rate with a multi-year commitment and an early termination fee. Same hardware, same software, very different cost — the hardware brand tells you almost nothing about what you're actually paying.
When it makes sense
Clover's hardware and software are genuinely well-regarded — the platform itself isn't the issue. It's worth using if the underlying processing arrangement is transparent and fairly priced.
When it typically costs more
If your Clover setup came bundled with a leased terminal, a multi-year contract, or an early termination fee, the hardware may be fine while the processing arrangement around it isn't — those are separable problems.
Common questions
Why do Clover fees vary so much between merchants?
Is my Clover processing rate competitive?
Can I keep my Clover hardware and switch processors?
See the real number for your business.
Free, anonymous calculator — compare what you're paying now against interchange-plus pricing. No statement needed.
Check my fees — free100% anonymous · Nobody will call you
Related comparisons
This page describes publicly known pricing structures and models for general informational and comparison purposes. It does not state any competitor's current specific pricing, which varies and changes over time. Confirm current pricing directly with any provider before making a decision.