Fiserv Clover Pricing Explained: What Merchants Pay in 2026

Clover Hardware: What Each Device Costs

Clover offers a range of devices for different business types. Each device is purchased upfront (or sometimes leased through a reseller, though outright purchase is generally better value).

Prices are approximate USD. Actual pricing may vary by region, reseller, and any ongoing promotions. Contact Clover or your bank for exact pricing.

Clover Go is the entry-level mobile card reader. It connects to a smartphone or tablet via Bluetooth and is designed for merchants who take payments on the go or at events.

Clover Flex is a handheld device that works independently without a separate tablet. It prints receipts, connects to Wi-Fi and LTE, and is common in table-service restaurants and delivery operations.

Clover Mini is a compact countertop terminal suited for retail and quick-service environments. It supports tap, chip, and swipe payments.

Clover Station is a full POS setup including a touchscreen display, receipt printer, and cash drawer. It is designed for restaurants and retail businesses with high transaction volumes and complex order management needs.

Clover Software Subscription Plans

Clover hardware requires a monthly software subscription to operate. Plans vary depending on the type of business and features needed.

These are approximate fees. Exact pricing depends on your device, region, and reseller. Rates may differ from those offered directly through Clover versus through a bank partner.

The Starter plan is the minimum software tier. It covers basic payment acceptance but lacks inventory management and employee features that most growing businesses will need.

The Standard plan adds inventory tracking, employee management, and online ordering capabilities, making it the most common choice for retail and hospitality merchants.

The Plus plan includes advanced reporting, loyalty programmes, and restaurant-specific features like table management. It is typically used by full-service restaurants and higher-volume retailers.

Clover Card Processing Fees

On top of hardware and software costs, Clover charges processing fees on every card transaction.

Processing rates vary based on:

• Your monthly transaction volume
• Whether transactions are card-present (in-person) or card-not-present (online, keyed in)
• Your business type and industry risk profile
• Whether you sign up directly through Clover or through a reseller bank

Typical processing rates for standard merchants:

These are indicative rates for illustration. Actual fees depend on your specific plan and account agreement. Always confirm with Clover or your reseller.

Card-present rates are lower because in-person transactions have lower fraud risk. Card-not-present and keyed-in transactions are priced higher to reflect that elevated risk.

Total Monthly Cost: A Worked Example

To understand the real cost of Clover, you need to add hardware (amortised), software, and processing together.

This is notably higher than the headline processing rate of 2.3%. Adding software and amortised hardware is how Clover's real cost differs from flat-rate competitors like Square.

Clover vs Square vs SumUp: How Does the Pricing Compare?

Square offers a free card reader and $0 monthly fee for basic usage, making it the lowest-cost entry point. However, Clover tends to offer more robust POS features for restaurants and retailers at scale.

SumUp is particularly competitive in the UK and EU, with straightforward pricing and no monthly fees.

Fiserv and Clover: Understanding the Relationship

Fiserv is one of the largest payment processing companies in the world, processing billions of transactions annually across banking, merchant services, and financial technology.

Clover is the POS and merchant-facing brand that Fiserv acquired in 2019. When a business signs up for Clover:

• Clover provides the hardware and software platform
• Fiserv or a Fiserv reseller partner is the underlying payment processor
• Some merchants receive Clover through their bank, which is itself a Fiserv partner

This structure matters because it affects who sets processing rates and terms. Merchants who receive Clover through a bank or reseller may see different pricing than those who go directly to Clover. In some cases, reseller pricing can be less transparent than direct pricing, so it is worth comparing. This is similar to how payment provider risk models determine pricing outcomes for all providers.

Who Is Clover Designed For?

Clover is designed for small to medium-sized merchants operating physical locations, particularly in:

• Retail (clothing, gifts, specialty stores)
• Restaurants and cafes (from quick service to full table service)
• Service businesses (salons, spas, repair shops)
• Professional services accepting in-person payments

It is not designed for:

• Online-only businesses (Stripe or similar are better fits)
• Enterprise merchants with global acquiring needs (Checkout.com, Adyen)
• Very early stage businesses that want zero upfront cost (Square's free reader is more accessible)

For UK and European merchants, Clover's availability is more limited. Merchants in these markets should compare alternatives including Square, SumUp, iZettle, and Zettle, which have stronger local support and pricing.

Is Clover Available in the UK?

Clover has expanded into some international markets through Fiserv's global partnerships, but availability and product range in the UK are not as extensive as in North America.

UK merchants looking for a similar POS experience have strong alternatives:

• Square (full POS hardware, growing UK presence)
• SumUp (competitive rates, strong UK and European coverage)
• iZettle / Zettle (now owned by PayPal, well-established in UK)
• Dojo (UK-focused, popular with hospitality businesses)

If you are in the UK and specifically researching Clover, it is worth checking current availability directly with Fiserv UK, as product offerings in this market continue to evolve.

Clover for Resellers and ISO Partners

Fiserv operates an extensive reseller programme for Independent Sales Organisations (ISOs), value-added resellers (VARs), and financial institutions that distribute Clover hardware and processing services to merchants.

Key points for resellers:

• Fiserv sets a baseline interchange structure; resellers negotiate their own merchant-facing markup
• Clover hardware can be purchased at wholesale and resold or leased to merchants
• Reseller agreements typically include revenue sharing on processing volume
• Support and liability structures vary by reseller agreement

For merchants receiving Clover through a bank or reseller partner, it is worth understanding that the pricing and terms you receive may have been set by the reseller, not Clover directly. Comparing offers across multiple channels is advisable before committing. For a broader look at Fiserv's capabilities and where it fits in the payment landscape, our provider deep dive covers the full picture.

Frequently Asked Questions About Clover Pricing