Clover POS Pricing

Clover POS pricing depends on your POS system hardware choice, software subscription, and merchant services provider.

Clover is one of the best POS systems available, and we recommend it to nearly all small business types — but is it in your small business budget?

Keep reading this Clover POS pricing guide for a detailed understanding of Clover processing fees and how much money business owners may pay per month to use Clover.

What Is Clover Pricing?

Clover pricing varies for POS hardware, software, and credit card processing. Here are some average rates for Clover POS:

• Clover Hardware: $49 (Clover Go) $599-$649 (Clover Flex and Clover Pocket Flex) $1,699-$1,799 (Clover Station)
• Clover Software: $0 - $84.95/month (for one register)
• Clover Payment Processing Fees: 2.3% - 2.6% + $0.10% per transaction per card-present transaction

Clover Hardware Pricing

As with the cost of POS systems in general, Clover POS pricing depends partly on where you purchase it and which pieces of hardware you want to include in your POS setup. You can only use Clover software if you have Clover hardware, so you have to purchase new hardware if you’re switching from another POS provider or have never had a POS system before.

Your hardware options include the Clover Station Solo, Clover Station Duo (Clover Station with a customer-facing display), Clover Mini, and/or Clover Flex.

The following Clover pricing is what you can expect from Clover.com directly. Other vendors vary in their hardware pricing.

	Clover Station Solo	Clover Station Duo	Clover Mini	Clover Flex or Flex Pocket
	Visit Site Read Review	Visit Site Read Review	Visit Site Read Review	Visit Site Read Review
Pricing	$1,699	$1,799	$799	$599-$649
Hardware Included	Station, cash drawer, receipt printer	Station, customer-facing display, cash drawer, receipt printer	Clover Mini with built-in receipt printer and scanner (cash drawer sold separately)	Clover Flex with built-in receipt printer and scanner (cash drawer sold separately). Flex Pocket is smaller and more portable with no printer
Compatible Software Plans	Retail Growth, Table Service Restaurant	Retail Growth, Counter Service Restaurant	Retail Growth, Table Service Restaurant, Counter Service Restaurant	Essentials, Retail Growth, Table Service Restaurant, Counter Service Restaurant
Monthly Payment Plan (Hardware Plus Software)	$125-$160/month	$135-$140/month	$45-$95/month	$35-$85/month

Additional hardware add-ons, such as scales, barcode scanners, kitchen printers, and debit PIN pads, can drive Clover pricing up further.

For example, if you want to add a Clover mobile reader that you can take anywhere with your phone and sync your sales with your main POS, you can purchase a portable Clover Go device for another $49.

Various vendors may offer lower Clover pricing in terms of hardware (Clover.com hardware prices are MSRP), but those lower prices may come with a catch, such as having to sign a long-term merchant services contract for payment processing.

Clover Software Pricing

Clover charges monthly for subscriptions, but you must sign up for a 36-month or 48-month contract. If you want to terminate your contract, you have to pay a fee equal to the total length of time left on your contract.

These aren’t great contract conditions, but they’re also not uncommon when it comes to buying POS systems.

The following are Clover’s monthly software fees if you purchase your Clover hardware upfront:

To add additional POS devices to any of these plans (at the same physical location), you’ll pay an additional monthly software fee of $14.95/month/device Note: There is also a Clover Virtual Terminal plan ($14.95/month) that does not require you to purchase or lease any hardware upfront. On this plan, you can only accept keyed-in card payments (3.5% + $0.10).

Clover Processing Fees

Credit card processing fees are probably the most important cost to consider when shopping for a POS system. When it comes to Clover, transaction fees vary depending on your merchant account provider.

Clover is always offered in conjunction with a merchant account, whether you buy it from Clover.com or elsewhere. Clover.com offers merchant accounts with a flat-rate pricing structure in which you’ll pay one of the following processing rates, depending on your plan:

• In-Person Transactions: 2.6% + $0.10 (Clover Essentials Plan) or 2.3% + $0.10 (Retail Growth, Table Service, or Counter Service plans)
• Card-Not-Present Transactions: 3.5% + $0.10 per transaction
   (all plans)

Card-not-present Clover transaction fees apply to online orders, virtual terminal/invoice payments, phone orders, keyed-in card numbers, and orders from third-party software providers. If your business generates most of its revenue online, Clover may not be the right payment processor for you.

Note: Clover offers custom credit card processing fees for larger businesses. If your business grows substantially within the first six months of processing payments with Clover, you are eligible for a payment rate review.

Can You Get A Better Rate For Clover Processing Fees?

Not all Clover sellers offer flat-rate processing. Some providers, such as Payment Depot, offer interchange-plus rates, which might work better for higher-volume merchants processing more than $10K/month.

Other less-desirable Clover vendors offer tiered pricing or enhanced billback pricing, which are both confusing and expensive. Some vendors provide flat-rate processing, but their rates may be higher than Clover processing fees.

Best Place To Buy Clover POS

Though Clover is a Fiserv product that comes with a Fiserv merchant account, you have many different options for where to purchase your Clover POS hardware and associated merchant account. Many entities sell Clover, from national banks and merchant services companies to retailers, such as Sam’s Club.

To learn more about where to buy your Clover system, read our post on the best Clover resellers.

Why Clover Fees Can Vary

Though differences in Clover pricing may seem minor at first glance, these costs can add up over time. There are a few reasons for this:

• Payment processing model variations
• Contract length
• Leasing hardware (rather than buying it outright)
• Setup, early termination, and hidden fees (very common in long-term contracts)

Here are a few examples of good and bad Clover POS hardware/software deals:

• Bad Deal: Offers free Clover POS equipment but a tiered processing model that will end up costing your business hundreds of dollars more per month than a flat-rate plan.
• Bad Deal: Has a hardware leasing contract requirement that will cost you less money upfront but will cost you thousands of dollars more over the life of your contract.
• Good Deal: Provides straightforward, month-to-month interchange-plus pricing with no hidden fees and a standard $10 to $25 monthly membership fee.

The Bottom Line On Clover Pricing & Credit Card Fees

To recap, Clover pricing is a good deal for various types of brick-and-mortar businesses that need POS hardware, software, and payment processing. The Clover hardware is on the pricier side, but it is attractive and high-quality; the monthly Clover software plans are affordable and include useful industry-specific features.

However, Clover credit card processing fees vary depending on where you buy your Clover POS system.

For the best Clover pricing, we recommend buying from a merchant services provider that:

1. Lets you buy your Clover POS hardware upfront
2. Offers month-to-month contracts
3. Uses either flat-rate or interchange-plus pricing

In terms of Clover software plans, know that while the Clover Payments and Clover Essentials plans have a lower monthly fee (or no fee when it comes to the Clover Payments plan), you will save on Clover processing fees if you purchase the Register plan or one of the Restaurant plans.