Clover is the Fiserv-owned POS-plus-acquirer product. Retail in-person Standard is 2.3% + $0.10 + $14.95/month plan. Retail online or keyed is 3.5% + $0.10. Plans (Starter, Standard, Advanced) drive both monthly fee and headline rate. Hardware (Mini, Station Solo, Station Duo) is sold separately.
Pulled directly from the vendor pricing page, verified 2026-06-19. We do not re-state any rate the vendor has not put in writing on their own site.
Clover is for SMB retail and restaurant merchants wanting an integrated POS and acquirer in one vendor. The in-person 2.3% rate is competitive against Square Free (2.6%) and Stripe Terminal (2.7%).
The trade-off is hardware lock-in: Clover terminals are proprietary to the Fiserv acquiring stack and cannot be reused with a different processor.
The number on the homepage of Clover is rarely the number a finance team books. Below are the line items that almost always show up, sourced from the same vendor pricing page where possible.
Fiserv-owned POS-plus-acquirer for SMB retail and food service. Tiered plan + headline rate; hardware separate (cross-link to possystemcost.com).