Clover vs Square: Cost and Fees Calculator
Enter your volumes to compare estimated monthly costs and fees for Clover and Square across the selling types both offer, using published US pricing.
In-person card payments
Full POS system
Estimates combine processing fees and monthly subscriptions on the plans noted above. One-time hardware, setup, and add-ons are excluded. Rates are published or typical US pricing as of mid-2026 and may have changed.
How the Clover vs Square calculator works, and how the two compare
Clover is Fiserv's POS hardware and payments brand, sold directly and through resellers, popular with retail and restaurants. Clover charges 2.6% + $0.10 in person (2.3% + $0.10 on restaurant plans) with software plans from $14.95 to around $59.95 or more per month and hardware from the $99 Go reader to the $799 Mini. Square is an all-in-one flat-rate payments company covering card readers, full POS systems, and online stores. Square charges 2.6% + $0.15 in person on its free plan (readers from $59, Square Terminal $299), and 3.3% + $0.30 online on the free plan; paid plans at $49 and $149 per month lower those rates.
How they are similar: Where they overlap: both Clover and Square cover taking card payments in person with a card reader or terminal and running a full point-of-sale system, which is what this calculator compares. They also share the same commercial model: both operate as flat-rate card processing with published per-transaction fees. In both cases the bill is driven by a percentage of each sale plus any fixed per-transaction fee, which is why your average transaction size changes the effective rate as much as the headline percentage does.
How they differ: Only Square offers online selling, so that side of the business is not part of this comparison. Clover pairs polished proprietary hardware with an app marketplace, but pricing varies by reseller, most plans carry monthly fees, and 36-month agreements are common. Square is the strongest all-rounder: one account covers in-person, POS, invoices, and a free online store, with no monthly fee required to start.
Assumptions used in this calculator
- Clover is modeled on: 2.6% + $0.10 in person, software from $14.95 per month, Go reader $99; 2.6% + $0.10 (2.3% restaurant plans), Register plan from $59.95 per month, Mini from $799.
- Square is modeled on: 2.6% + $0.15 in person, free plan, $59 reader; 2.6% + $0.15, free POS software, Square Terminal $299.
- Rates are published or typical US pricing as of mid-2026 and change often; quote-based providers are modeled at representative rates. Always confirm current pricing with the provider.
- One-time hardware, setup, add-on apps, keyed-in transactions, international cards, and chargeback fees are excluded from the monthly figures.