Clover POS Global Fee Calculators
Calculate merchant fees, interchange rates, and hardware lease breakeven points for Clover POS across all international retail and restaurant markets.
Card Present: 2.30% + $0.10 | Keyed: 3.50%
Card Present: 1.35% + £0.10 | Keyed: 2.20%
Card Present: 2.30% + CA$0.10 | Keyed: 3.50%
Card Present: 1.30% + €0.10 | Keyed: 2.10%
Card Present: 1.25% + €0.08 | Keyed: 2.10%
Card Present: 1.30% + €0.10 | Keyed: 2.10%
Card Present: 1.20% + €0.08 | Keyed: 2.10%
Popular Clover Head-to-Head Comparisons
Frequently Asked Questions
What are official Clover POS credit card processing rates in 2026? ▼
Directly through Fiserv, Clover charges 2.3% + $0.10 for in-person card payments on the Register plan ($49.95/mo software) and 2.6% + $0.10 on the Starter plan ($14.95/mo). Keyed-in transactions cost 3.5% + $0.10.
What is the Clover hardware leasing trap that merchants must avoid? ▼
Many independent merchant ISOs lock store owners into non-cancelable 48-month equipment leases (paying $50/mo for 4 years = $2,400 for a $599 Clover Flex). Merchants should always buy Clover hardware upfront or choose month-to-month terms.
At what processing volume does Clover become cheaper than Square? ▼
Because Clover Register charges 2.3% + $0.10 vs Square's 2.6% + $0.10 (a 0.30% savings), businesses processing more than $16,700 monthly save enough on transaction processing to completely offset Clover's $49.95/mo software fee.
Can Clover merchants negotiate Interchange-Plus wholesale pricing? ▼
Yes. Retailers and restaurants processing over $30,000 monthly can negotiate Interchange-Plus (IC+) wholesale pricing directly with Fiserv or merchant banks, typically interchange + 0.20% to 0.40% + $0.08.
Does Clover assess processing fees on customer tips and sales taxes? ▼
Yes. Card processing percentage fees apply to the gross authorized charge, including the subtotal, state/local sales tax, and tips added by guests.
How do Clover hardware devices differ across retail and restaurant setups? ▼
Clover Flex ($599) is a handheld terminal with built-in receipt printer; Clover Mini ($899) is a compact countertop POS; and Clover Station Duo ($1,799) includes merchant and customer-facing displays for high-throughput retail.
Can US Clover merchants implement cash discounting or dual pricing? ▼
Yes. The Clover App Market provides verified cash discounting and surcharge apps that automatically apply compliant 3% credit card surcharges, passing payment overhead to cardholders.
What chargeback and dispute fees apply to Clover merchant accounts? ▼
Fiserv charges between $15.00 and $25.00 per formal chargeback filed by cardholders, depending on the merchant agreement tier and merchant ISO contract.