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Clover pricing, checked November 1, 2026

Clover POS pricing for restaurants: what a month really costs

Clover's restaurant plans start at $135 a month on its own site, and card fees come on top. Here are the plans, the rates, the hardware, the contract terms and a worked month with every number shown.

Server holding a handheld card terminal at a restaurant counter while pointing at its screen
Photo by Kampus Production on Pexels.

One-minute answer

  • Clover sells restaurants software and hardware as one 36-month bundle: $135, $185 or $245 a month for quick service, and $179, $239 or $354 for full service.
  • Card fees are separate: 2.3% + 10¢ in person and 3.5% + 10¢ typed in, which is the rate to use for online orders.
  • Our example counter restaurant takes $45,600 in card sales on the $135 plan and pays $1,455.80 for the month, or 3.19% of sales.
  • Over 36 months, buying the hardware up front costs $773 to $3,622 less than the subscription on the bundles compared here.
  • Clover's FAQ calls subscriptions non-cancelable, and these prices apply only on Clover.com. A bank or reseller quote can differ.

Plans

How much does Clover POS cost per month?

A restaurant pays $135 to $354 a month on Clover.com, depending on service style and hardware. Each price below is the Restaurant Growth software bundled with the named hardware.

Quick-service plans

Plan and hardware36-month planOr buy
StarterMini$135/mo$849+ $89.95/mo
StandardStation Duo$185/mo$1,899+ $89.95/mo
AdvancedStation Duo + Flex$245/mo$2,648+ $109.90/mo

Full-service plans

Plan and hardware36-month planOr buy
StarterStation Solo$179/mo$1,799+ $89.95/mo
StandardStation Solo + Flex$239/mo$2,548+ $109.90/mo
AdvancedStation Solo + Flex + Duo$354/mo$4,447+ $129.85/mo

Source: Clover quick-service pricing and Clover full-service pricing, checked November 1, 2026.

What the cheapest plans leave out

  • The quick-service Starter plan does not include the customer database, promotions, loyalty or gift cards.
  • The full-service Starter plan does not include tap cards or mobile wallets.
  • On full-service Standard, tap cards and mobile wallets work on the Flex only.
  • On full-service Advanced, they work on the Flex and Station Duo only.

If tapping a card at the table is the point of buying Clover, the honest full-service starting price is $239, not $179.

Per transaction

What does Clover charge per card transaction?

Clover charges 2.3% + 10¢ when a card is tapped, swiped or inserted, and 3.5% + 10¢ when it is typed in. Its FAQ describes typed-in as card-not-present, like an online sale or phone order.

OrderIn personTyped in or online
$8 coffee and pastry$0.28$0.38
$35 dinner for two$0.91$1.33
$80 family order$1.94$2.90

Our arithmetic from Clover's published rates, rounded to the cent. The fee is a percentage of the amount charged, so tax and tip on the card raise it. Clover also lists Rapid Deposit, which pays out within minutes of a sale, at a 1.75% fee.

The 3% line on the receipt

Why do some Clover merchants add 3%?

Because Clover offers a surcharge program. It adds 3% to eligible credit card sales so the business can reduce its processing costs. It is the merchant's decision, not a charge every Clover business makes.

  • It covers credit cards only. Debit, including Signature, PIN and PINless, and prepaid cards cannot be surcharged.
  • Running a debit card as credit does not make it eligible, because the card type does not change.
  • Once it is enabled, the fee is applied automatically to credit card sales.
  • A service charge cannot stand in for it. Clover says using one to recover card fees violates card network rules.
  • Clover says surcharging is prohibited in some states. It also cannot be applied to online or typed-in sales when the card's ZIP code is in a place that does not permit it, such as Connecticut, Massachusetts or Puerto Rico.
  • A merchant adds it by contacting Clover support. It is not on by default.

On a $35 credit card order, 3% adds $1.05 to the guest's bill. Clover's in-person fee on that order is $0.91. Before you turn it on, weigh how guests will read that line.

Eligibility varies by state and card network, and Clover's help page says compliance is the merchant's job. Our guide to surcharge rules covers the Visa and Mastercard limits and the state rules we checked.

Worked examples

What does a real month on Clover cost?

These are two made-up restaurants, not client results or industry averages. Swap in your own order counts and the arithmetic still holds.

Example A: counter restaurant, $1,455.80 a month

  • Plan: quick-service Starter at $135 a month.
  • In person: 1,800 orders at $22, which is $39,600 in sales.
  • Typed in or online: 200 orders at $30, which is $6,000 in sales.
  • In-person fees: $39,600 × 2.3% + 1,800 × 10¢ = $1,090.80.
  • Typed-in fees: $6,000 × 3.5% + 200 × 10¢ = $230.00.
  • Total: $135 + $1,090.80 + $230.00 = $1,455.80, or 3.19% of $45,600.

Example B: table-service restaurant, $1,833.80 a month

  • Plan: full-service Standard at $239 a month.
  • In person: 1,200 checks at $48, which is $57,600 in sales.
  • Typed in or online: 100 orders at $40, which is $4,000 in sales.
  • In-person fees: $57,600 × 2.3% + 1,200 × 10¢ = $1,444.80.
  • Typed-in fees: $4,000 × 3.5% + 100 × 10¢ = $150.00.
  • Total: $239 + $1,444.80 + $150.00 = $1,833.80, or 2.98% of $61,600.

Neither total includes tax, paid apps, kitchen displays or anything a reseller adds. A rate just 0.1 point higher on Example A's in-person sales adds $39.60 a month, which is $475.20 a year.

Restaurant owner adding up bills at a desk with a pink calculator and a pencil
Run the month on your own numbers before you sign. Photo by Kaboompics on Pexels.

Subscribe or buy

Is it cheaper to buy Clover hardware or subscribe?

Over the full 36 months, buying costs less on all six bundles. The buy option pays for itself around month 19 to 21, because the monthly fee drops.

BundleSubscribeBuySaved
Quick-service Starter$4,860$4,087$773
Quick-service Standard$6,660$5,137$1,523
Quick-service Advanced$8,820$6,604$2,216
Full-service Starter$6,444$5,037$1,407
Full-service Standard$8,604$6,504$2,100
Full-service Advanced$12,744$9,122$3,622

Our arithmetic, rounded to the dollar: monthly price × 36, against the up-front price plus the monthly fee × 36. Card fees are the same either way, so they are left out.

When the subscription is still the better call

  • You do not have $849 to $4,447 to spend up front on hardware.
  • You want the warranty the subscription includes. Without one, Clover lists a limited one-year warranty.
  • You expect to upgrade the hardware, since Clover allows an upgrade to break the subscription.

Resellers

Why do two Clover quotes look so different?

Clover says its website prices are only available on Clover.com. Citi, PNC, Wells Fargo and more than 3,000 other financial institution partners sell Clover too, and their terms can differ.

One public example is Gravity Payments' Clover plan sheet. It lists Restaurant Growth at $89.95 for the first device and $19.95 for each extra device, plus a $5 monthly Clover platform fee and 3¢ extra per key-entered transaction. That is one seller, not a rule for all of them.

Eight things to get in writing before you sign

  1. The in-person rate and the typed-in rate, as percent plus cents.
  2. Whether the monthly software fee is per device or per location.
  3. Every platform, statement, compliance or PCI fee, by name and amount.
  4. The total contract length for both the hardware and the processing.
  5. The exact fee for ending early, and the date it stops applying.
  6. Whether the hardware is bought, leased or subscribed, and who owns it at the end.
  7. Which paid apps the quote assumes, and what each one costs.
  8. Who answers the phone when the POS goes down: Clover or the seller.

The contract

What is the catch in a Clover contract?

The main catch is that the commitment outlasts a bad month. Clover's own FAQ spells these out, so read them before the price.

  • Subscriptions are non-cancelable and ineligible for refunds, though they can be paid off at any time.
  • Your first bill arrives 30 to 60 days after you sign up.
  • At the end of the term you buy or return the hardware. If you do neither, the subscription extends at the same monthly charge, with 30 days' notice.
  • Termination fees can vary by provider, so the answer depends on who sold you Clover.
  • Clover devices cannot be used with other processors.
  • The Equipment Protection Program is not available in New York or Oregon, where an extended warranty applies instead.
Hand signing a printed agreement with a pen on a desk
The term and the exit are worth more attention than the rate. Photo by Kampus Production on Pexels.

Hardware

How much is Clover hardware on its own?

Clover devices run from $199 for the Go reader to $1,899 for Station Duo. The bundle prices above equal these list prices added together.

DeviceBuyMonthly option
Clover Go reader$199Not shown
Clover Compact$349$16/mo
Clover Flex Pocket$699$35/mo
Clover Flex$749$40/mo
Clover Mini$849$45/mo
Clover Station Solo$1,799$174/mo
Clover Station Duo$1,899$180/mo
Kitchen display, 14"$799+ $25/mo per device
Kitchen display, 24"$899+ $25/mo per device

Source: Clover shop, checked November 1, 2026. Monthly device prices run 36 months. Clover's kiosk is sold through sales, with no price published. Confirm what each monthly option includes, because the shop page and the restaurant bundles price them differently.

Extras

What else can a Clover bill include?

  • Paid apps. Clover's terms say apps can carry their own agreements and fees.
  • Kitchen displays, at $25 a month per device on top of the hardware price.
  • Rapid Deposit, at the 1.75% fee shown above, if you want money within minutes.
  • Payroll integrations, listed as an optional add-on.

Clover also advertises a $450 statement credit. It requires a 3-year contract and $10,000 or more in card transactions in your first four billing cycles. The offer expires December 31, 2026, and credits must be approved by January 31, 2027. Do not let it decide the contract.

Where Orderitto fits

Do you need anything besides Clover for online orders?

Often, no. Orderitto is not a POS and does not replace anything on this page. If all you need is a way to take online orders on Clover, Clover's own no-fee ordering costs less than an Orderitto plan.

Orderitto earns its place when you want your own branded mobile app, loyalty, promo codes and automated marketing on top of Clover. Clover integration is listed on the Orderitto Pro plan, at $1,299 for setup plus $249 a month, with no per-order commission on direct orders.

Card fees do not settle the choice. Orderitto restaurants handle Stripe directly, typically at 2.9% + 30¢, which is $1.32 on a $35 order. Clover's typed-in rate is $1.33 on the same order. The two match at about $33 and Clover costs less below that.

Keep comparing

Frequently asked questions

How much is Clover POS per month for a restaurant?

On Clover.com, quick-service plans cost $135, $185 or $245 a month for 36 months, with hardware included. Full-service plans cost $179, $239 or $354 a month. Card fees are charged on top of those prices.

What are Clover's credit card processing fees?

Clover's restaurant pricing pages list 2.3% + 10¢ for a card that is tapped, swiped or inserted, and 3.5% + 10¢ for a card that is typed in. A $35 order costs about $0.91 in person and $1.33 typed in.

Why do some Clover merchants add 3%?

Clover runs a surcharge program that adds 3% to eligible credit card sales to offset processing costs. A merchant adds it by contacting Clover support, and it does not cover debit or prepaid cards. Clover says surcharging is prohibited in some states, so the rules depend on where you operate.

Is there still a monthly fee if I buy Clover hardware outright?

Yes. Buying up front removes the 36-month subscription, but the software fee stays. Clover lists $89.95 a month on its entry bundles and up to $129.85 on the largest full-service bundle.

Can I cancel a Clover subscription early?

Clover's FAQ says subscriptions are non-cancelable and ineligible for refunds. It also says a subscription can be paid off at any time, and can be broken during a buyout or an upgrade.

Why is my Clover quote different from the Clover website?

Clover says the prices it shows are only available on Clover.com. Banks and other sellers set their own terms, and Clover says contract terms and termination fees can vary by provider. Compare the written quote line by line.

Can I move Clover hardware to another card processor?

Clover's pricing FAQ says its devices cannot be used with other payment processors. Treat the hardware as tied to the Clover account, and include that in any plan to leave.

Does Clover charge extra for online ordering?

Clover lists no-fee online ordering as included on the restaurant plans compared here. Online orders are still card-not-present sales, so use the 3.5% + 10¢ typed-in rate when you model them.

Keeping Clover and want your own app?

See how branded ordering, loyalty and repeat marketing run next to your Clover setup, and whether the numbers work for your restaurant.

Sources checked

  • Clover quick-service pricingChecked November 1, 2026 for plans, bundles, rates and the statement credit.
  • Clover full-service pricingChecked November 1, 2026 for plans, bundles, rates and what each plan includes.
  • Clover pricingChecked November 1, 2026 for the Clover.com-only price note and its FAQ: contract terms, warranty, sellers, and card-not-present wording.
  • Clover shopChecked November 1, 2026 for device prices and monthly options.
  • Clover surcharge help pageChecked November 1, 2026 for the 3% surcharge program and what it cannot cover.
  • Clover termsChecked November 1, 2026 for separate app agreements and fees.
  • Gravity Payments Clover plansChecked November 1, 2026 as one reseller's published sheet, not a Clover price.
  • Orderitto pricingChecked November 1, 2026 for plan prices, the Clover integration line and Stripe processing.