Clover Pricing: What Will You Actually Pay?

Clover pricing: what does it actually include?

Clover pricing is not one number — it's a combination of hardware, a monthly software plan, and a per-transaction processing fee. Most merchants only notice the processing fee once it starts showing up as a large monthly total.

When a business asks "what does Clover cost," they usually mean the sticker price of the terminal. But the terminal is a one-time or leased cost. The processing fee is the part that keeps charging every single time a customer taps, swipes, or inserts a card. Over a year, that fee typically outweighs the hardware and software costs combined for any business doing meaningful card volume.

How much does Clover hardware cost?

Clover sells several terminal models, and pricing varies by device and whether you buy outright or lease. This is a one-time or fixed monthly cost, separate from what you pay every time a card is processed.

Hardware cost is worth comparing across providers, but it's a smaller piece of the total picture than most merchants assume. A cheaper terminal with a high processing rate can still cost more over twelve months than a pricier terminal with a lower effective rate. That's why it helps to look at the full setup — plan, hardware, and processing fee — rather than the device price alone.

What is the Clover monthly software plan fee?

Clover charges a recurring software plan fee on top of the processing fee, and the amount depends on which plan tier a business selects (retail, restaurant, services, etc.).

This plan fee is fixed regardless of how many transactions run through the terminal. A business processing $5,000 a month and one processing $50,000 a month pay the same plan fee, but the transaction fee scales with volume. That's an important distinction when comparing total cost — the plan fee is predictable, but the processing fee is where volume-driven cost grows.

What is the Clover processing fee, and can it be reduced?

The processing fee is the percentage (plus often a small flat fee) charged on every card transaction. It's usually the largest recurring cost in a Clover setup, and it scales directly with sales volume.

One way businesses address this cost is dual pricing, where the card price and the cash price are shown separately at checkout. Instead of the processing fee being folded into every sale's margin, the customer paying by card sees the card price, and the customer paying cash sees the cash price. MidPay's dual-pricing approach is built around this separation, so the processing cost isn't hidden inside your product margin.

Does dual pricing work with an existing Clover terminal?

Dual pricing is a pricing structure, not a hardware replacement — the question is really about how your processor configures pricing display, not the terminal itself.

Businesses evaluating a switch often want to know whether they need new hardware. The more useful comparison is a side-by-side of your current all-in Clover cost against a dual-pricing structure, which is exactly what the Clover fees vs. MidPay comparison is designed to show — plan fee, processing fee, and the effect of separating card and cash pricing.

How do I compare my current Clover cost against dual pricing?

The clearest way is to pull your last Clover statement and look at the total processing fees paid over a month, separate from the plan and hardware costs.

That processing-fee total is the number most affected by switching to a dual-pricing model. From there, you can look at how Clover fees compare against a dual-pricing setup using your own volume, rather than a generic estimate. Every business's card-versus-cash mix is different, so the comparison is most useful when it's based on your actual statement.

Is Clover pricing negotiable?

Some elements, like the plan tier or hardware terms, can vary by reseller. The processing fee structure is where most of the long-term cost difference actually shows up between providers.

Rather than negotiating a single line item, it's worth stepping back and asking whether the overall pricing model — bundled processing fees baked into your margin — is the right structure for your business at all. Dual pricing offers a different structure: the card price and cash price are shown separately, so the cost tied to card acceptance isn't absorbed the same way.

What should I do before switching from Clover?

Before changing anything, get a clear, side-by-side view of what you're paying now versus what a dual-pricing model would look like for your transaction mix.

MidPay's dual-pricing model shows the card price and cash price separately, so the cost of accepting cards isn't buried in your everyday pricing. If you want to see exactly how this applies to your business, you can see your rate without committing to anything.

See your rate: https://midpay.me/apply. Have questions first? Call 1-855-464-3576.

Frequently asked

Is Clover pricing the same for every business type?

No. Clover offers different plan tiers for retail, restaurant, and service businesses, and the plan fee changes depending on which tier you select. Processing fees can also vary by how transactions are entered (in person versus online).

Does Clover charge extra for online or invoice payments?

Card-not-present transactions, like online orders or emailed invoices, are typically priced differently than in-person swipes or taps. It's worth checking your statement to see how much of your volume falls into each category.

What is dual pricing, in simple terms?

Dual pricing means displaying two prices for the same item: one for customers paying by card and one for customers paying cash. It separates the cost tied to card acceptance from the base price of the item.

Can I switch to dual pricing without buying new hardware?

Dual pricing is a pricing configuration, not necessarily a new terminal purchase. The best way to know for certain is to compare your current setup against a dual-pricing structure for your specific volume.

Will switching affect how my customers check out?

Customers will see two prices instead of one — a card price and a cash price — at the point of sale. Beyond that display difference, the checkout process itself stays familiar.

How do I find out my exact rate?

You can request a rate review that looks at your actual transaction volume and mix rather than a generic quote. Call 1-855-464-3576 or see your rate at https://midpay.me/apply.