Software plan
- What to check
- Register, retail, restaurant, or service features
- Monthly impact
- Recurring
- Comparison tip
- Match features to workflow
payment / comparison
Clover Monthly Fees
Separate POS software, hardware, and processing fees before comparing providers.
POS costs usually include more than a subscription. Use this checklist to compare monthly software, hardware, processing, and add-on fees.
Fee comparisonDecision checklist
| Cost area | What to check | Monthly impact | Comparison tip |
|---|---|---|---|
| Software plan | Register, retail, restaurant, or service features | Recurring | Match features to workflow |
| Hardware | Terminal, reader, printer, cash drawer | Upfront or lease | Avoid unnecessary bundles |
| Processing | Card-present and keyed rates | Volume-based | Calculate effective rate |
| Add-ons | Payroll, loyalty, online ordering | Optional recurring | Audit after 60 days |
Hardware
- What to check
- Terminal, reader, printer, cash drawer
- Monthly impact
- Upfront or lease
- Comparison tip
- Avoid unnecessary bundles
Processing
- What to check
- Card-present and keyed rates
- Monthly impact
- Volume-based
- Comparison tip
- Calculate effective rate
Add-ons
- What to check
- Payroll, loyalty, online ordering
- Monthly impact
- Optional recurring
- Comparison tip
- Audit after 60 days
Best fit signals
- Retailers comparing POS systems
- Restaurant operators
- Local service businesses taking card payments
When to use this
Research POS monthly fees before choosing a provider.
What you get
A POS decision should compare monthly software, hardware amortization, add-ons, and card processing together.
Useful next step
Use the estimate to compare options, pressure-test pricing, or decide which fee model deserves a closer look.
Problems this helps with
- POS quote complexity
- Hardware and software bundles
- Processing rates tied to provider choice
Example estimate
A POS decision should compare monthly software, hardware amortization, add-ons, and card processing together.
Calculate payment fees
Continue with a related tool or comparison that helps turn the estimate into a clearer decision.
Related fee tools
FAQ
Are monthly POS fees the full cost?
No. Processing fees, hardware, add-ons, and contractual terms can change total monthly cost.
Should I compare POS and payment processing together?
Yes. A low software fee can be offset by higher processing costs.
What should I calculate first?
Estimate processor cost from your real monthly sales, average order value, and transaction count.