\n\n

Clover POS Pricing 2026: Every Plan, Hidden Fee & What You’ll Really Pay

Clover is one of America’s most popular POS systems — and one of the most confusing to price. Hardware, software subscriptions, variable processing fees, and App Market add-ons make the true total cost of ownership much higher than it first appears. This guide breaks every cost down so you can buy with eyes open.

Software Plans 2026

Payments (Starter) — Free

Basic payment processing only. No inventory, no reporting, no employee management. For businesses with all other operations handled by separate software.

Standard — $14.95/month

Basic inventory, employee PINs, simple sales reports, App Market access. Suitable for very small service businesses or seasonal vendors.

Advanced — $49.95/month

Full inventory management, employee shift tracking, time clock, customer loyalty, real-time reporting, online ordering (restaurants), full App Market access. Where most SMBs land.

Counter Service Restaurant — $54.95/month

Quick-service features: kitchen display integration, order routing, QSR-optimized workflows on top of the Advanced feature set.

Table Service Restaurant — $84.95/month

Sit-down dining: table mapping, course-by-course ordering, server login with tip management, split-check functionality.

Hardware Costs

Processing Fees: The Variable That Changes Everything

Unlike Square’s publicly posted flat rates, Clover’s processing fees vary by where you purchase:

• Clover.com direct: 2.3% + $0.10 (card present) / 3.5% + $0.10 (keyed)
• Fiserv (parent company): Interchange-plus available for higher-volume merchants
• Bank resellers (Chase, BofA, Wells Fargo): Often 2.7%–3.0% with additional fees
• ISOs (Independent Sales Orgs): Wildly variable — always read the full contract

Hidden Costs to Watch

• App Market add-ons: Loyalty ($14.95/mo), scheduling ($17.99/mo), gift cards ($9.95/mo)
• PCI compliance fees: $5–$25/month from some resellers (often negotiable)
• Chargeback fees: $25 per dispute
• Early termination: ISO/bank contracts may carry $500–$2,000 ETF
• Monthly minimums: Some ISOs charge shortfall fees

Real Cost Examples

Small coffee shop (2× Clover Mini, $54.95/mo plan, $20K/mo volume @ 2.3%): ~$8,100 Year 1

Mid-size retail (2× Station Duo, $49.95/mo × 2, $50K/mo volume @ 2.3%): ~$17,600 Year 1

Verdict

Clover can be excellent value or significantly overpriced depending on your purchase path. Buy directly from Clover.com for transparent month-to-month pricing at 2.3%. Avoid bank and ISO resellers unless you fully understand multi-year contracts and have negotiated competitive rates.

Related Reading: For a complete comparison, see our guide to the our Square vs Clover head-to-head comparison.

\n\n