Clover POS pricing and fees for restaurants

On Clover.com, a restaurant system costs a monthly subscription for 36 months, or an upfront hardware price plus a monthly fee. Card processing comes on top. Clover's restaurant plans print 2.3% + 10¢ for a card tapped, swiped or inserted, and 3.5% + 10¢ for card details typed in. Your bundle and where you buy change the total.

Many restaurants do not see these prices, because they get Clover through their bank or a reseller. Those sellers set their own rates and contract terms. Use the Clover.com numbers below as a baseline, then compare any quote against them line by line.

What do Clover's restaurant bundles cost?

Clover sorts restaurants into two pricing pages: full-service restaurant systems and quick-service restaurant systems. Each has a Starter, Standard and Advanced bundle, and all six list the Restaurant Growth software plan. The price rises with the devices in the box. Both pages show US prices and say they are only available on Clover.com.

Bundle	Devices listed	Subscription	Buy the hardware
Full-service Starter	Station Solo, cash drawer, receipt printer	Full-service Starter: $179/mo for 36 months	Full-service Starter: $1,799 + $89.95/mo
Full-service Standard	Station Solo, Flex handheld, cash drawer, receipt printer	Full-service Standard: $239/mo for 36 months	Full-service Standard: $2,548 + $109.90/mo
Full-service Advanced	Station Solo, Flex, Station Duo, cash drawer, receipt printer	Full-service Advanced: $354/mo for 36 months	Full-service Advanced: $4,447 + $129.85/mo
Quick-service Starter	Mini with built-in printer; cash drawer is an add-on	Quick-service Starter: $135/mo for 36 months	Quick-service Starter: $849 + $89.95/mo
Quick-service Standard	Station Duo, cash drawer, receipt printer	Quick-service Standard: $185/mo for 36 months	Quick-service Standard: $1,899 + $89.95/mo
Quick-service Advanced	Station Duo, Flex, cash drawer, receipt printer	Quick-service Advanced: $245/mo for 36 months	Quick-service Advanced: $2,648 + $109.90/mo

Only the full-service Standard and Advanced bundles list tableside ordering and firing. On the full-service pages, tap and mobile-wallet payments are marked Flex only on Standard, and Flex and Station Duo only on Advanced. Payroll integrations are an optional add-on on every bundle, and the full-service pages list a kitchen printer as an accessory.

Is the subscription or the purchase cheaper?

Clover's pricing FAQ says a subscription needs no money down and includes a warranty, but processing fees are "priced separately." Subscriptions are "non-cancelable and ineligible for refunds," though you can pay one off or upgrade. At the end of the term you buy or return the equipment. If you do neither, the subscription continues at the same monthly charge, and Clover asks for 30 days' notice before the term ends.

A subscription comes with Clover's Equipment Protection Program, which covers accidental damage, theft and loss. That program is not offered in New York or Oregon, where an extended warranty applies instead. Hardware bought outright gets a one-year limited warranty for manufacturer defects, and Clover sells Clover Care as extra cover.

What are Clover's processing fees?

The FAQ says Clover merchants pay "a monthly software fee plus processing rates per transaction." Rates come in pairs: an in-person rate when the card is at your reader, and a higher "typed-in" rate when the card is not present, "like an online sale or phone order." The six restaurant bundles print the same rates.

How the guest pays	Rate on Clover.com restaurant bundles
Card tapped, swiped or inserted	In person: 2.3% + 10¢ per transaction
Card details typed in, including phone and online card sales per Clover's FAQ	Typed in: 3.5% + 10¢ per transaction
Rapid Deposit, to get funds within minutes of a card sale (optional)	Rapid Deposit: 1.75% fee

Online ordering is listed as "no-fee online ordering" on every restaurant bundle. That describes the ordering page; card payments taken online still count as card-not-present sales under the FAQ's definition. Clover Capital, an advance repaid through card sales, is a separate product with its own terms.

What would a month cost? A worked example

The numbers below are hypothetical. Use them to see how the math works, then swap in your own sales. The example assumes a full-service Starter subscription, $40,000 a month in card sales, 85% of it in person at a $40 average payment, and 15% typed in or taken online at a $30 average payment. It leaves out cash sales, tax, apps with their own fees, chargebacks and Rapid Deposit.

Line	Hypothetical input	Monthly cost
Bundle	Full-service Starter subscription	Bundle line: $179.00
In-person cards	$34,000 across 850 payments at 2.3% + 10¢	In-person line: $867.00
Typed-in and online cards	$6,000 across 200 payments at 3.5% + 10¢	Typed-in line: $230.00
Total	$40,000 in card sales	Total: $1,276.00

In this example, processing ($1,097) is about six times the subscription and works out to roughly 2.74% of card sales. Shifting more sales to typed-in or online cards raises that figure, so check your own card mix before you compare quotes.

Over 36 months, the Starter subscription in this example adds up to $6,444. Buying the same bundle outright adds up to $5,037.20 ($1,799 plus 36 payments of $89.95), before tax or shipping. The subscription costs more and carries the fuller warranty described above. Ask whether the monthly fee on the purchase side continues after month 36; the pricing page does not say.

What if you buy Clover through a bank or reseller?

Clover's FAQ says "Clover is sold by leading financial institutions such as Citi, PNC, and Wells Fargo," and it names Restaurant Depot and Sam's Club as retailers. On termination fees, it says "Contract terms and any termination fees can vary based on your service provider," whether you buy from Clover Direct or a partner. It also warns that devices bought or leased elsewhere "cannot be used with other payment processors."

Fiserv's small-business page sells Clover as its system for small businesses, and Clover's offer terms name First Data Merchant Services LLC as the company that decides promotion eligibility. The seller who signs you up can set different rates, terms and exit fees, so treat the Clover.com table as a reference point.

What should you ask before you sign?

1. Who is my contract with, and who processes my cards: Clover Direct, my bank or a reseller?
2. What are my in-person, typed-in and online card rates, in writing, for Visa, Mastercard, Discover and American Express?
3. Which software plan is included, what is the monthly software fee, and does it change after an introductory period?
4. Is the hardware a subscription, a lease or a purchase? What happens at the end of the term, and how much notice do I owe?
5. What is the termination fee if I close or switch in year one or two?
6. If I use a promotion, what does it require? Clover's $450 statement credit for new merchants who buy Station, Mini or Flex online ends December 31, 2026. It requires a 3-year contract, $10,000 or more in card transactions within the first four billing cycles, and credit approval by January 31, 2027.
7. Do any apps I need, such as payroll, delivery or phone ordering, carry their own fees?
8. Can I keep my devices if I leave this seller, or are they tied to this processor?

If you plan to add AI phone ordering, Maple Pro lists Clover among its supported POS systems. The Clover integration page lists what to test with your own menu.

Published by Maple. This AI-assisted guide combines Clover's published US prices, rates and FAQ answers with an original cost worksheet using hypothetical sales figures. It does not report a quote from any bank or reseller, and it does not claim anyone tested Clover hardware.