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Paid plans start at $29.95/mo. There's also a free plan.
Clover’s software starts at $0 per month on Starter, but that does not make accepting payments free: the listed in-person rate is 2.6% + $0.10, and keyed-in payments are 3.5% + $0.10. Paid software starts at $29.95 per month for Essentials. Restaurant bundles rise to $135–$354 per month and carry 36-month hardware commitments. Our pricing check, dated Nov. 6, 2026, found annual prices unpublished; budget for processing, devices and add-ons too.
01Every plan, line by line
| Plan | Billed annually | Billed monthly | Built for |
|---|---|---|---|
| Starter (Professional / Virtual / Software-Only) | — | $0 | Businesses starting with Clover software |
| Essentials | — | $29.95 | Small businesses needing core tools |
| Retail Growth | — | $84.95 | Retail businesses |
| Restaurant Growth (standalone) | — | $89.95 | Restaurants using one device |
| Quick-Service Starter | — | $135 | Quick-service restaurants starting out |
| Quick-Service Standard | — | $185 | Growing quick-service restaurants |
| Quick-Service Advanced | — | $245 | Advanced quick-service operations |
| Full-Service Starter | — | $179 | Full-service restaurants starting out |
| Full-Service Standard | — | $239 | Growing full-service restaurants |
| Full-Service Advanced | — | $354 | Advanced full-service restaurants |
| Services Growth | — | $84.95 | Service businesses |
Add-ons and overages
- Platform security fee: $5/month per MID
- Additional devices: $11.95/month each for Essentials; $19.95/month each for other listed growth plans
- Wireless data: $15–$25/month per SIM, including 1GB; overage rate not published
- Rapid Deposit: 1.75%
- Clover Go reader: $199; Station Duo: $1,899
- Kitchen Display: $799–$899 upfront + $25/month per device
- App Market apps: $5–$50/month; third-party app fees vary
02What the plan grid doesn't tell you
Processing fees
The $0 Starter lists 2.6% + $0.10 in-person and 3.5% + $0.10 keyed-in; Essentials lists 2.5% + $0.10 in-person.
Hardware commitments
Restaurant hardware bundles require a 36-month commitment. Listed alternatives include upfront hardware costs plus monthly software charges.
Extra devices and data
Additional devices cost $11.95 or $19.95/month, depending on plan. Wireless data is $15–$25/month per SIM; overage rates are not published.
Security and app fees
The listed security fee is $5/month per MID. App Market apps cost $5–$50/month, and third-party app fees vary.
03Which plan should you buy?
| If you are… | Get | Why |
|---|---|---|
| Businesses starting with software | Starter (Professional / Virtual / Software-Only) | There is no monthly software charge, but processing fees apply and the listed in-person rate assumes purchased hardware. |
| Small businesses needing core tools | Essentials | Listed at $29.95/month, with a 90-day trial for eligible merchants; extra devices cost $11.95/month each. |
| Restaurants using one device | Restaurant Growth (standalone) | Standalone software for one device is listed at $89.95/month, with 2.3% + $0.10 in-person processing. |
04Is Clover worth the money?
Clover can make sense when you want payments and day-to-day POS tools from one provider: the listed features cover inventory, staff, ordering and reporting. But the headline monthly price is not the full bill. Processing fees apply even on the $0 plan, hardware bundles can lock you into 36 months, and annual pricing is unpublished. We’d compare the total equipment, processing and add-on cost with alternatives before switching.
Clover pricing FAQ
Can I use Clover without a subscription?
The listed Starter (Professional / Virtual / Software-Only) plan has a $0 monthly software price. That does not mean you can take payments at no cost: the listed rates are 2.6% + $0.10 in-person with purchased hardware and 3.5% + $0.10 keyed-in.
How expensive is Clover?
The listed software plans range from $0 for Starter to $89.95/month for standalone Restaurant Growth. Hardware-bundle plans range from $135 to $354/month and require a 36-month commitment. Processing fees and add-ons can increase the bill; annual prices are not published.
Is Clover really fee free?
No. Starter has no monthly software charge, but its listed payment processing rates are 2.6% + $0.10 for in-person payments and 3.5% + $0.10 for keyed-in payments. Other possible charges include device fees, a $5/month security fee per MID, wireless data and paid apps.
What are Clover’s credit card processing fees?
The listed in-person rate is 2.6% + $0.10 on Starter, 2.5% + $0.10 on Essentials, and 2.3% + $0.10 on the listed growth and restaurant bundle plans. Keyed-in payments are listed at 3.5% + $0.10 across these plans.