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Clover POS Fee Calculators & Rate Breakdown

Integrated cloud point-of-sale and credit card processing ecosystem engineered by Fiserv for retail shops, restaurants, and service vendors. Calculate live processing deductions below or select a dedicated regional calculator.

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$5 $500 $1,000 $2,500
Presets:
Fee Formula:
Summary
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Clover POS Fee
$3.20
Effective Rate
3.20%
Net (96.8%) Fee (3.2%)
Calculate ↑

Clover POS Regional Tool Directory

US (USD) Verified 2026

Clover POS United States

Base Rate: 2.3% + $0.1

Calculate Net Payout →

🍀 Comprehensive Clover POS Fee Guide (2026 Edition)

Clover POS is an industry-standard point-of-sale and merchant processing platform used by hundreds of thousands of retail shops, dining venues, and professional services across North America. Combining dedicated POS hardware (Clover Flex, Mini, Station) with cloud merchant reporting, Clover processing rates range from 2.3% + $0.10 to 2.6% + $0.10 for in-person card present swipes, and 3.5% + $0.10 for keyed-in or virtual terminal orders.

📊 Clover POS Rate Card & Account Tiers

In-Person Card Present (Register/Table Service)
2.30% + $0.10

Standard swipe, EMV chip, and NFC contactless tap rate on mid-to-high volume POS plans.

In-Person Card Present (Starter / Payments Plus)
2.60% + $0.10

Entry-tier hardware plan rate for mobile card readers and standalone terminals.

Keyed-In / Virtual Terminal / Phone Orders
3.50% + $0.10

Higher risk surcharge applied when manually entering credit card numbers without physical card verification.

🌍 Clover POS Global Regional Pricing Comparison

Merchant fees vary by geographic jurisdiction due to localized card interchange legislation. Below is the verified 2026 rate comparison for Clover POS:

Country Currency Base Percent Fixed Fee Cross-Border Surcharge Calculator
US (United States) USD 2.3% $0.1 +1% Calculate →

⚠️ Clover POS Fine Print, Dispute Fees & Payout Terms

Beyond standard transaction percentages, merchant net revenue is affected by ancillary charges and reserve policies:

  • • Monthly Software Subscription: $14.95 to $94.95/month per device depending on industry POS software plan.
  • • Clover Hardware Investment: Proprietary hardware purchase (Flex $599, Mini $899, Station $1,699+) or monthly lease.
  • • Chargeback Dispute Fee: $25.00 per dispute chargeback.
  • • PCI Compliance Non-Validation Fee: May apply if annual merchant self-assessment questionnaire is not submitted.
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Frequently Asked Questions About Clover POS Fees

Frequently Asked Questions

Common merchant processing questions and rate card rules.

What is the standard credit card processing fee for Clover POS?
Clover standard in-person card processing fee is 2.3% + $0.10 for Register and Counter Service plans, or 2.6% + $0.10 for Starter plans. Keyed-in transactions cost 3.5% + $0.10.
How do I calculate what to charge to cover Clover fees? (Clover Reverse Formula)
To receive an exact net amount after Clover's 2.3% + $0.10 in-person processing fee, use the formula: Required Sale = (Desired Net + $0.10) / (1 - 0.023). To receive $1,000 net, you must charge ($1,000 + $0.10) / 0.977 = $1,023.64.
Does Clover charge a monthly fee in addition to transaction rates?
Yes. Clover POS requires an active monthly software subscription ranging from $14.95/month for basic payments up to $94.95/month for full-service restaurant table management systems.
Are Clover merchant fees tax deductible?
Yes. All Clover transaction processing fees and monthly POS software subscriptions are 100% tax-deductible ordinary business expenses on IRS Schedule C.