Clover POS pricing: what Clover publishes

What Clover publishes

On its retail systems pricing page, checked on 17 September 2026, Clover shows three packages, each priced two ways: a monthly figure spread over 36 months, or a device price paid up front plus a separate monthly software fee.

Two further published details matter when modelling the cost. The entry-level Starter software plan is shown without an online store, gift cards, loyalty, promotions or shift management — those sit on the higher plans. And instant access to funds, marketed as rapid deposit, is charged at 1.75% of the amount transferred on every plan, which is a cost per use rather than a monthly one.

Clover's pages also state that the prices shown are for buying online. Buying the same hardware through a reseller or an agent is a different transaction, and can carry different pricing.

How the pricing model works

The headline monthly number is the part worth slowing down on. A package shown at $180 a month is a 36-month framing, so the comparable figure against a month-to-month competitor is the total across three years, not the monthly one. Choosing the up-front route instead separates the two costs: you own the device from day one, and the software fee continues monthly for as long as you use the system. Either way you are buying two things — hardware and a software subscription — and paying for a third, the card processing, on a rate that is not on the page.

What Clover does not publish

• Card-processing rates. Neither pricing page shows a percentage or per-transaction fee. On most accounts this is the largest recurring cost of the three.
• Contract length, renewal and notice. The 36-month framing is published; the terms governing it are not.
• Any early termination amount. Not published.
• Whether hardware bought through a reseller is financed separately. Not published; this depends on who sells it.

What to ask before signing

1. The full processing rate in writing — percentage and per-item, for card-present, keyed and online, with the monthly fees listed separately.
2. The term, how it renews, and the notice period to leave.
3. The early termination amount as a number, not a formula in a clause you have not read.
4. Whether the hardware is sold, rented, or financed under a separate agreement, and the name of that agreement.
5. Whether the device can be moved to another processor later, and at what cost.
6. How you export your product, customer and sales data if you leave.

How an independent agent's quote differs

This is a difference in structure, not a claim about price. A bundled quote gives you one number that contains the software, the hardware and the processing margin together. We place the merchant account with a processor and itemise the parts: interchange as published by the card networks, network assessments, and the markup shown separately, with the POS priced on its own. You can then compare a bundle against an itemised quote on the same twelve months of your own card volume. Sometimes the bundle wins. The point is that the comparison becomes possible.

If you want that done against your statements rather than against a brochure, the free statement analysis works through the last three months line by line.

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• Early termination fees and liquidated damages clauses
• Payment processing for restaurants
• Retail payment processing and POS

Clover is a trademark of its owner and is used here for identification only. CELER Merchants is not affiliated with, or endorsed by, this company. Prices and terms change; confirm current pricing with the provider before deciding.