Clover fees in Canada: what you'll really pay

The bottom line

Clover doesn’t publish its processing rates or plan prices in Canada. You pay a monthly software fee plus a rate per transaction, and the only way to see either is a custom quote.

Two things matter more than the quote itself. Clover devices can’t be used with other processors, and cancellation fees depend on which company sells it to you. Get both in writing before you sign.

Clover fees at a glance

Visit Clover

Pricing model

custom quote

Contract

Set by the reseller; termination fees vary

Payouts

Not published

Clover doesn't publish processing rates. Pricing is by custom quote.

Monthly fees and plans

• Software/hardware plan: not published
• Starter: price not published
• Standard: price not published
• Advanced: price not published

Checked October 19, 2026 on clover.com. Prices change, so confirm with Clover before you sign.

Who it’s for

• Owners who want help in person. Clover says its Canadian business consultants are available in person or by phone, with a free demo and a custom quote.
• Businesses planning to stay with one processor for the long run. The hardware only works with Clover processing, so it suits owners who don’t expect to switch.

Who should skip it

• Owners who want to compare prices before talking to sales. Clover’s Canadian site doesn’t list rates or plan prices.
• Anyone who might switch processors later. Clover devices can’t be used with other processors, so leaving means new hardware.
• Owners who want one clear set of contract terms. Terms and termination fees vary by the company selling Clover to you.

The catch

Your hardware is locked to Clover. Clover says its devices “cannot be used with other payment processors,” even when bought or leased from another company.

The seller sets the terms. Clover is sold directly and by partners. Clover says contract terms and termination fees “can vary based on your service provider.” Two Clover quotes from two sellers can come with different cancellation fees.

No published prices. Clover lists three plans (Starter, Standard and Advanced) but no prices, and no processing rates.

The example rates aren’t real rates. Clover’s pricing page shows example numbers to explain how its rates work. Don’t mistake them for a quote.

What Clover says you won’t pay. Clover’s page says there’s no PCI charge and no batch close fees. Check your quote and contract say the same.

What to ask for in a quote

Since Clover doesn’t publish prices, we can’t estimate a monthly total. Ask for these in writing, then compare them with your current costs in the fee calculator:

1. Who your provider is. Clover Direct or a partner? Your terms depend on it.
2. The processing rate for each payment type: in-person credit, Interac debit, American Express, and online or keyed-in payments. Get the percentage and the per-payment fee.
3. The monthly software fee for the plan you’d be on (Starter, Standard or Advanced).
4. Hardware cost: the price to buy, or the total you’d pay over a full lease. Remember it only works with Clover processing.
5. Contract length and the exact cancellation fee, and what happens to a lease if you leave early.
6. Any other fees, and a written note confirming there’s no PCI charge or batch close fee, as Clover’s page says.

Compared with

• Square: published rates, a flat 2.5% in person, a free plan and month-to-month terms.
• Helcim: interchange-plus with a published 0.40% + 8¢ in-person markup, no monthly fee, and no contract or cancellation fee.