Short answer: A Clover POS costs you three things: the hardware (bought, leased to own or, for the Clover Flex, rented monthly), the processing rate on every card sale, and any monthly fees. Through GT Payments there is no monthly fee on any plan, so the rate you choose usually decides most of the cost.
1. Hardware: buy, lease-to-own or rent
Clover sells the same hardware everywhere; what changes between providers is how you pay for it. Through GT Payments:
| Device | Good for | Ways to get it |
|---|---|---|
| Clover Flex | Pay-at-table, markets, curbside | Buy, lease-to-own or monthly rental |
| Clover Mini | Retail, cafés, quick service | Buy or lease-to-own |
| Clover Station Duo | Restaurants, busy counters | Buy or lease-to-own |
| Station Solo, Kiosk, Kitchen Display, Flex Pocket | See the full lineup | Ask for a quote |
Buying costs the most on day one and nothing after. Lease-to-own spreads the price into monthly payments until the device is yours. Renting a Flex keeps the upfront cost lowest but never ends in ownership. Hardware prices change with promotions and bundles, so we quote them with your rate rather than list them here. Ask for a quote and you will see each option side by side.
2. Processing: the cost on every sale
This is the cost that keeps running for as long as you take cards, and it is usually bigger than the hardware within the first year. Clover works on any of our three published plans:
| Plan | Credit cards | Debit | Monthly fee |
|---|---|---|---|
| Fixed | 2.50% per sale | 0.75% + $0.07 | $0 |
| Variable (interchange-plus) | Interchange + assessment + 0.20% | $0.05 | $0 |
| Surcharge | 2.40% paid by the cardholder, where permitted | $0.05 | $0 |
Which plan is cheapest depends on your card mix, not on the headline rate. Our guide to interchange-plus vs flat rate explains why, and the surcharging guide covers the rules for passing the credit card fee on.
3. Monthly fees
Through GT Payments, none of the three plans carries a monthly fee. The dashboard and reporting, Virtual Terminal and Tap to Pay on a phone come with every account. When you compare quotes elsewhere, look for monthly software subscriptions, statement fees, PCI fees and minimums, which can add up to more than the rate difference.
A worked example: a $25,000 month
Say a café or shop takes $25,000 a month in cards: $20,000 on credit and $5,000 on debit, with an average sale of $35 (about 143 debit sales).
- Fixed: 2.50% of $20,000 is $500.00. Debit is 0.75% of $5,000 ($37.50) plus 143 × $0.07 ($10.01). Total: about $547.51.
- Surcharge: customers who pay by credit card pay the 2.40%. You pay 143 × $0.05 on debit, which is about $7.15.
- Variable: you pay the card networks’ interchange and assessment on credit, plus 0.20% ($40.00), and about $7.15 on debit. The interchange part depends on which cards your customers use, so run it in the cost calculator or send us a statement.
Add the hardware option you choose on top. Over a year, the gap between plans is usually far larger than the difference between buying and leasing a terminal.
Clover pricing questions
How much does a Clover POS cost in Canada?
It is the hardware (bought, leased to own or, for the Flex, rented) plus the processing rate on each sale plus any monthly fees. Through GT Payments there is no monthly fee, and processing is 2.50% on credit on the Fixed plan, interchange + 0.20% on Variable, or paid by the cardholder on Surcharge where permitted. Hardware is quoted with your rate.
Does Clover have a monthly fee through GT Payments?
No. None of our three plans has a monthly fee. Dashboard and reporting, Virtual Terminal and Tap to Pay on a phone are included with every account.
Can I rent a Clover terminal?
The Clover Flex is available as a monthly rental. Other Clover devices can be bought outright or leased to own.
Is the terminal included with a rate plan?
No. The rate plans cover processing only. Hardware is bought, leased to own or, for the Flex, rented, and we quote it together with your rate.