Clover fees: the rate isn't set by Clover.

Here's what most Clover merchants were never told: Clover makes the hardware and software, but your processing rate is set by whoever sold you the account — a bank, an ISO, or an independent rep. That's why two identical shops on identical Clover Minis can pay wildly different rates. One got a fair deal. The other got whatever the rep could get away with.

Where Clover accounts hide their padding

Tiered "qualified / non-qualified" pricing that quietly reroutes most of your transactions to the expensive tier.
Monthly junk fees — statement fees, batch fees, "regulatory" products, PCI non-compliance charges that exist because nobody helped you file the paperwork.
Rate creep — small increases added over time, banking on you not reading page 3 of the statement.
Equipment leases — the worst offender. A 48-month non-cancellable lease on hardware worth a few hundred dollars.

Good news: in many cases you can keep your Clover hardware and just move the account behind it to honest pricing. We'll tell you if your devices qualify when we review your statement.

Find out what you're actually paying

Send us one recent statement. We'll translate every line, calculate your true effective rate, and show you what a fair rate looks like for your volume — in plain English, within a day. If your rep gave you a genuinely good deal, we'll tell you that too.

Review my Clover statement free →

Clover is a trademark of Clover Network, LLC / Fiserv. We're not affiliated — we help you compare what you're paying on it.

Common questions

Can I really keep my Clover hardware?

Often, yes. If your device supports a standard processing back end, we can typically move the account behind it to fair pricing without replacing the terminal.

Why do two Clover shops pay different rates?

Because Clover itself doesn't set the rate — the bank or rep who sold the account does. That's the single biggest reason identical hardware produces wildly different bills.