Keep Clover, Lose the Bundled Rate
Clover the hardware is solid. Clover's default bundled Fiserv plan is usually what's overcharging you. See the real gap between that and interchange-plus or dual pricing — often without replacing your terminal.
What Clover's Bundled Plan Actually Costs You
Buy a Clover terminal directly from Clover, a bank, or a big-box reseller and you're typically defaulted into a flat or tiered Fiserv processing plan — plus, often, a multi-year equipment lease that outlives the hardware itself.
| Model | Rate | Who pays the fee |
|---|---|---|
| Clover default bundled plan | Flat or tiered rate, often 3%+ blended | You, on every transaction |
| Interchange-plus (same hardware) | Wholesale cost + small fixed markup | You, but only the real cost |
| Dual pricing / cash discount | Disclosed service fee on card only | The card-paying customer |
Two Ways We Fix the Clover Markup
Both are compliant with Visa, Mastercard, Discover, and Amex rules. We help you pick the right one for your business.
Dual Pricing (Cash Discount)
Keep 100% of your listed price on every sale, on the same Clover terminal. A small, disclosed service fee applies only to card payments, legal in all 50 states under the Dodd-Frank Act when implemented with compliant signage.
Interchange-Plus
See the true wholesale interchange cost set by the card networks, plus one small, fixed markup — instead of Clover's blended default rate that overcharges on lower-cost cards.
Same Clover Hardware, Transparent Pricing
Need new Clover hardware anyway, or want to buy it through us from the start? Every unit below ships with interchange-plus or dual pricing — never a mystery bundled rate.
Switching Off Clover's Rate Without Downtime
Free rate analysis
We review your Clover statement and show your real effective rate vs. our numbers.
Choose your model
Dual pricing or interchange-plus — whichever fits your business and customers.
Reboard or replace
We check whether your existing terminal can move to our account, or set up a comparable Clover device.
Cut over and start saving
Once you've confirmed everything works, we finish the transition. No long-term contracts.
Frequently Asked Questions
Do I have to buy new hardware to get off Clover's bundled rate?
Not necessarily. In many cases we can move your existing Clover terminal onto our merchant account and put transparent interchange-plus or dual pricing on top of it — no new hardware required. We review your specific device and current agreement during a free rate analysis and tell you exactly what's possible before you commit to anything.
Is Clover itself the problem, or is it the processing plan?
Clover the hardware and software is genuinely good — the issue is almost always the bundled Fiserv processing plan it ships with when purchased directly from Clover, a bank, or a big-box reseller. That plan is often a flat or tiered rate well above 3% with a multi-year equipment lease attached. We sell the same Clover hardware, but with transparent interchange-plus or dual pricing and no forced long-term lease.
How is dual pricing different from what Clover's default plan charges?
Clover's bundled plan typically charges a flat or tiered rate on every card, every time, regardless of what it actually costs to process. Dual pricing (cash discount) instead applies a small, disclosed service fee only to card transactions, so your business keeps 100% of the listed price — the fee is absorbed by the customer choosing to pay with a card, not by you.
What if I'm still under a Clover equipment lease?
We review any existing lease before you switch. In many cases, the savings from a properly priced plan offset what's left on the lease within a few months. Ask for a free rate analysis and we'll tell you exactly where you stand before you decide anything.
What if switching, or adding dual pricing, costs me customers?
That's the most common hesitation, and it's why we don't ask you to commit blind. We run every switch month-to-month, and treat the first 90 days as a trial: track it for a full quarter, and if it's not working, we adjust the setup or roll you back at no cost. You're never locked in on our word alone.