Clover's fee structure involves multiple components: hardware, software subscriptions, and payment processing rates. This guide explains each fee category clearly so you can understand and manage your total cost.
Step-by-Step Instructions
- Hardware fees: Clover devices range from approximately $49 (Clover Go) to $1,799+ (Clover Station Duo). Hardware is proprietary and cannot be used with a different processor.
- Software subscription fees: monthly plan fees vary by tier (Starter, Standard, Advanced) and business type. Ranges from approximately $14.95 to $90+ per month per device.
- Processing fees: set by your merchant processor. Common structures include flat-rate (e.g., 2.6% + $0.10 per transaction) or interchange-plus (interchange rate + a fixed markup).
- Chargeback fees: typically $15–$25 per chargeback, charged by your processor regardless of dispute outcome.
- Third-party app fees: apps from the Clover App Market carry fees ranging from free to $99+ per month each.
- Rapid deposit fees: same-day funding carries an additional fee (typically 1–1.5% of the deposit amount).
- Review your monthly statement line by line and cross-reference each charge against your plan agreement.
📌 Important Note: Fee structures vary significantly depending on how you purchased Clover (direct vs. through a bank or ISO reseller). Always request a complete fee schedule in writing before signing any agreement.
Frequently Asked Questions
Cancellation fees depend on your processor agreement, not Clover directly. Some contracts carry early termination fees of $500 or more. Review your contract carefully before signing.
Some resellers add fees not clearly disclosed at sale. Request an itemized fee breakdown from your processor and dispute any unauthorized charges in writing with a paper trail.
Yes, especially at higher transaction volumes. If you process more than $15,000/month, contact your processor to negotiate a lower rate or switch to interchange-plus pricing.
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