Clover processing fees by plan
Clover’s published Flex pricing charges, per sale (Clover pricing):
- Starter: 2.6% + 10¢ for cards tapped, swiped or inserted.
- Essentials: 2.5% + 10¢.
- Services growth: 2.3% + 10¢.
- Typed-in cards: 3.5% + 10¢ on every plan.
Rapid Deposit costs 1.75%. The plan itself is a separate monthly cost.
| A $50 card sale | Fees | Fee rate | You keep |
|---|---|---|---|
| Starter · tapped | $1.40 | 2.80% | $48.60 |
| Essentials · tapped | $1.35 | 2.70% | $48.65 |
| Services growth · tapped | $1.25 | 2.50% | $48.75 |
| Any plan · typed in | $1.85 | 3.70% | $48.15 |
Clover Processing Fees: Tapped vs Typed-In Cards
The biggest jump on Clover isn’t between plans, it’s between card-present and typed-in payments: 2.6% versus 3.5% on Starter. If you take phone orders, a payment link or an invoice usually costs less than keying the card yourself.
Clover Transaction Fees Plus Monthly Plan: True Monthly Cost
Clover’s lower-rate plans cost more each month, so the cheaper percentage only pays off at volume. Buying the device outright:
- Essentials adds $29.95/month for 0.1 points off Starter.
- Services growth adds $84.95/month for 0.3 points off.
Bundled financing runs $40, $70 or $125 a month for 36 months.
The arithmetic is blunt. Essentials’ 0.1% saving covers $29.95 only above about $30,000 a month in card sales. Below that, Starter is the better deal on fees alone; pick a bigger plan for its features, not its rate.
Small tickets and the 10¢
Clover’s fixed fee is 10¢, lower than many rivals’ 15¢–30¢, which helps cafés and food trucks. A $12 card sale on Starter costs $0.41. That’s 3.4% of the sale, where the percentage alone would be 2.6%. If most of your sales are under $15, compare the fixed fee before anything else: Square’s in-person rate is 2.6% + 15¢.
| Fee | Amount | Charged on | When |
|---|---|---|---|
| Starter · card present | 2.6% + 10¢ | Each sale | $40/mo for 36 months with Flex, or $749 outrightsource |
| Essentials · card present | 2.5% + 10¢ | Each sale | $70/mo for 36 months, or $749 + $29.95/mosource |
| Services growth · card present | 2.3% + 10¢ | Each sale | $125/mo for 36 months, or $749 + $84.95/mosource |
| Typed-in card (all plans) | 3.5% + 10¢ | Each sale | Every salesource |
| Rapid Deposit | 1.75% | Deposit | Optionalsource |
Compare Clover with Square, Stripe and QuickBooks on your own volume in the credit card processing fee calculator.