Clover POS cost has three parts: hardware (about $49 for a Clover Go to about $1,899 for a Station Duo), a monthly software plan (from $0 to about $90 a month), and card processing (about 2.3% to 2.6% plus 10 cents in person on Clover’s standard plans, 3.5% plus 10 cents keyed or online). For most businesses, processing is the biggest cost by far, which is why the pricing model matters more than the price of the device.
Prices below are approximate. Clover changes list prices, and resellers and ISOs price hardware, software and processing differently. Treat these as ballpark figures and confirm yours in writing.
Clover hardware prices
Approximate list prices, as reported by resellers:
| Device | What it is | Approximate price |
|---|---|---|
| Station Duo (Gen 2) | Full countertop POS with a customer-facing screen | ~$1,899 |
| Station Solo | Countertop POS, single screen | ~$1,799 |
| Mini (Gen 3) | Compact countertop POS | ~$849 |
| Flex (Gen 3/4) / Flex Pocket | Handheld POS for tableside, line-busting or field work | ~$699–$749 |
| Compact | Small countertop terminal | ~$275* |
| Go | Card reader that pairs with a phone or tablet | ~$49 |
| Kiosk | Self-order screen | Quote only |
Compact pricing is thinly reported. Confirm before you budget for it.
Sources: reseller-reported pricing, such as this September 2026 breakdown. Your price may be higher or lower depending on who you buy from, and some providers discount or bundle hardware with a processing agreement.
Which device do you need?
- Restaurants: a Station Duo or Solo at the counter, plus Flex handhelds for tableside ordering and pay-at-table. See restaurants.
- Retail and convenience: a Station Duo or Mini at checkout. See retail.
- Service businesses and trades: a Flex or Go in the field, plus invoicing. See services.
Gen 1 devices: time to plan an upgrade
Clover Gen 1 devices stopped receiving app updates on May 15, 2026. They may still power on and take payments, but no app updates means features and fixes stop arriving. If your counter still has Gen 1 hardware, budget for a replacement now rather than when something breaks on a Friday night.
Clover software plans
Clover sells hardware with a monthly software plan. Reported plans as of September 2026:
| Plan | Built for | Monthly fee | In-person rate |
|---|---|---|---|
| Payments only | Taking cards, no POS software | $0 | Plan rate |
| Essentials | Service professionals, simple setups | $14.95 | 2.6% + 10¢ |
| Counter Service Restaurant | Quick service, cafés | $59.95 | 2.3% + 10¢ |
| Retail Growth | Retail with inventory | $84.95 | 2.3% + 10¢ |
| Table Service Restaurant | Full service, tabs, tables | $89.95 | 2.3% + 10¢ |
Keyed, invoiced and online transactions are reported at 3.5% + 10¢ on every plan. Source: reseller-reported Clover pricing. Clover can change plans and rates. Merchants who sign through an independent sales organization (ISO) often have different software and processing pricing.
Add-on apps from the Clover App Market can carry their own monthly fees. Count them.
Other costs that don’t show up on the price tag:
- Extra devices. A second register or two handhelds doubles or triples the hardware line.
- Peripherals. Kitchen printers, cash drawers and scanners may be extra.
- Statement and PCI fees from your processor, which can run $5 to $15 and $20 to $40 a month.
- Online ordering and invoicing at the higher keyed and online rate.
Processing: the cost that dwarfs everything else
Here is a business doing $30,000 a month in card sales with a $30 average ticket, so 1,000 transactions, on a Counter Service Restaurant plan with a Mini.
| Cost | Calculation | Monthly | First year |
|---|---|---|---|
| Hardware (Mini) | ~$849, one time | — | ~$849 |
| Software | $59.95 / month | $59.95 | $719 |
| Processing | 2.3% × $30,000 + $0.10 × 1,000 | $790 | $9,480 |
| Total | ~$850 | ~$11,048 |
Processing is more than 85% of the first-year cost. The device is a rounding error by comparison. After year one, it’s closer to 93%.
And that assumes every card is swiped, tapped or dipped. Keyed and online sales at 3.5% + 10¢ cost more.
See your number. Put in your own volume and ticket size and see what processing costs you in a year. Run the savings calculator
What’s inside a flat Clover rate
A flat rate bundles two very different things into one number:
- The cost of the card. Interchange (paid to the bank that issued the card) and assessments (paid to Visa, Mastercard and the other networks). Every processor pays these. Nobody can negotiate them.
- The processor’s margin. Everything above that cost.
On a typical card mix, interchange and assessments on our $30,000 example come to somewhere around $600 a month. (Our fees explained guide works through that number.) So of the ~$790 the flat plan charges, roughly $180 a month is margin. Your share may be higher or lower: a café full of debit cards has a lower cost floor than a restaurant full of premium rewards cards, but on a flat rate both pay the same.
That is the core problem with flat pricing. You can’t see the margin, so you can’t compare it or negotiate it.
How cost-plus pricing changes the picture
On cost-plus (interchange-plus) pricing, interchange and assessments pass through at cost, exactly as the card networks set them, and the processor’s own markup and fees, such as a small percentage plus a few cents per transaction, are listed separately. Every statement shows both parts.
What that means for a Clover owner:
- You see the margin. The processor’s fees are written into your agreement and show on every statement.
- Cheap cards stay cheap. Debit and standard credit cost you less than premium rewards cards, instead of all being charged the same rate.
- Keyed and online sales are priced on cost. Card-not-present interchange is higher, but you pay that real cost, not a separate 3.5% bucket.
- You can compare quotes fairly. Two cost-plus quotes differ only by what each processor charges above cost, so add up every one of those lines on your own card mix.
Cost-plus doesn’t always come out cheaper for very small or very low-volume businesses, so run the numbers on your own statement. Interchange-plus pricing explained walks through a full example.
Three-year view
The device is a one-time cost. Software and processing repeat every month. Over three years, using the same $30,000-a-month example on Clover’s standard plan:
| Standard plan pricing | |
|---|---|
| Hardware (Mini) | ~$849 |
| Software (36 × $59.95) | ~$2,158 |
| Processing (36 × $790) | ~$28,440 |
| Three-year total | ~$31,447 |
Processing is about nine-tenths of that total. Shaving even a tenth of a percentage point off what you pay above cost is worth about $1,080 over three years at this volume, more than the price of the Mini.
Clover direct vs. through a reseller
You can buy Clover in several ways: directly, through a bank, or through an independent sales organization (ISO) or reseller. The device is the same. The deal around it isn’t.
- Hardware price can be higher, lower, discounted or bundled.
- Software plans can be packaged differently, or bundled into the processing price.
- Processing can be flat rate, tiered, or interchange-plus.
- Contract terms range from month-to-month to three years with an early-termination fee.
- Support can mean a national call center or a local rep who picks up.
Compare the total monthly cost in dollars, not the price of the box.
Buy, lease, or bundle?
- Buy outright if you can. You own it, and you can change processors.
- Be careful with leases. Many are non-cancellable and outlast your processing contract. Ask for the total of all payments before you sign. Our list of hidden credit card processing fees covers the lease trap in detail.
- “Free” hardware usually comes with a processing agreement. Read the term and the early-termination fee, commonly $295 to $495 or more.
- Keep what you have where possible. Switching processors doesn’t always mean buying new equipment.
What to ask before you buy Clover
- What is the total hardware cost, and do I own it?
- What is the monthly software fee, including any apps I need?
- What are my processing rates in person, keyed and online?
- Is the pricing flat, tiered or interchange-plus, and what is every fee you charge above cost?
- Is there a contract term, an auto-renewal, or a termination fee?
- Is any equipment leased, and can the lease be cancelled?
How Mojo helps
Mojo Payments runs Clover on cost-plus pricing: interchange at cost, no tiers, no “non-qualified” surcharges, month-to-month, with no cancellation fee and no equipment lease. On top, we build a pricing program from your statement, with the lowest price on the payments you run most and tools, like a PIN debit prompt so debit isn’t run as credit, that lower the cost of the rest. In many cases you can keep your existing devices. Apply online and upload a statement, and we’ll return a quote within 24 hours showing every fee line, current next to proposed, and tell you plainly if we can’t lower your total. Get your free statement review.
Frequently asked questions
How much does a Clover POS system cost?
Hardware runs from about $49 for a Clover Go reader to about $1,899 for a Station Duo, based on reseller-reported list prices. Software plans run from $0 to about $90 a month, and processing on Clover's standard plans is about 2.3% to 2.6% plus 10 cents in person.
What is the monthly fee for Clover?
Reported software plans range from $0 for payments only to $14.95 for Essentials and up to about $89.95 for Table Service Restaurant. Pricing through an independent sales organization can differ, so get the monthly figure in writing.
Are Clover Gen 1 devices still supported?
Clover Gen 1 devices stopped receiving app updates on May 15, 2026. If you are still running Gen 1 hardware, plan an upgrade, and compare buying outright with any lease before you sign.
Can I get interchange-plus pricing on Clover?
Yes, if you sign through a processor or ISO that offers it. Clover's standard plans use a flat rate, but the same devices can run on cost-plus pricing, where interchange passes through at cost and the processor's own fees are listed separately.
This guide is general information, not legal or financial advice. Card-brand rules and state laws change, so confirm specifics for your business.