Payment processor comparison
Clover vs Anytime Capital
Clover is a hardware business first: Station Solo, Mini, Flex and Go, with software plans priced by vertical and an in-person rate as low as 2.3% + 10¢. Card-not-present is another story, at 3.5% + 10¢ for keyed-in payments. Anytime Capital Payments charges 2.75% + 30¢ for links, invoices and online checkout, with no hardware and no monthly fee.
- 2.75% + 30¢ online against Clover's 3.5% + 10¢ keyed
- No hardware, no software subscription
- Instant payouts to your Anytime Capital account
Updated October 2026. Clover figures from its published US pricing; where a figure is not published, we say so.
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In-person payment
Quick answer
Is Clover cheaper than Anytime Capital?
In person on the right plan, yes: Clover's Station Solo bundles price card-present sales at 2.3% + 10¢, lower than any online rate including ours, though those bundles carry $84.95 to $89.95 a month in software plus the hardware. For card-not-present payments (keyed-in, phone orders, invoices), Clover publishes 3.5% + 10¢ against Anytime Capital's 2.75% + 30¢: $3.60 against $3.05 on $100, though Clover's smaller fixed fee makes it cheaper below about $27. Clover's Rapid Deposit costs 1.75%; Anytime Capital pays out instantly to your Anytime Capital business account.
Published fees
Clover vs Anytime Capital fees, line by line
| Fee | Clover | Anytime Capital |
|---|---|---|
| Online card rate | 3.5% + 10¢ keyed-in and card-not-present; no separate ecommerce rate published | 2.75% + 30¢ (2.5% + 30¢ for your first 30 days with the launch offer) |
| In person | 2.3% + 10¢ on Station Solo bundles and some service plans; 2.6% + 10¢ on Clover Go Starter | Customers scan and tap to pay on their own phone; no terminal to buy or rent |
| ACH bank payments | Not published | ACH bank debit on payment links and invoices; current rate on the pricing page |
| International cards | Not published | May carry an extra fee, shown in your dashboard before you accept the payment |
| Currency conversion | Not published | May carry an extra fee, shown in your dashboard before you accept the payment |
| Instant payout | 1.75% with Rapid Deposit, up to $10,000 per request | Instant, 24/7, to your Anytime Capital business account |
| Disputes | Not published | Shown in your dashboard; pre-dispute alerts can refund small payments automatically |
| Monthly fee | $0 to $89.95 a month in software by plan, plus hardware | $0: no monthly, setup or PCI fees |
US pricing as of October 2026. “Not published” and “quote-only” mean no official figure was found, not that the fee is zero.
What a $100 online card sale costs
Percentage plus fixed fee, as a share of a $100 sale, at each published US rate
- Anytime Capital
- Clover
Clover: published US online rates as of October 2026. Anytime Capital: 2.75% + 30¢, or 2.5% + 30¢ for the first 30 days with the launch offer. Excludes international, currency-conversion, dispute and payout fees, and any monthly plan.
| Sale | Clover keyed-in | Anytime Capital | Launch offer, first 30 days |
|---|---|---|---|
| $10 | $0.45 | $0.58 | $0.55 |
| $100 | $3.60 | $3.05 | $2.80 |
| $1,000 | $35.10 | $27.80 | $25.30 |
Credit where due
What Clover is genuinely good for
- Restaurants and retailers that want countertop hardware and POS software bundled by one large acquirer.
- Businesses with high card-present volume that qualify for 2.3% + 10¢ on a Station Solo bundle.
- Owners who want a register, kitchen printing and a handheld from one vendor.
Clover is hardware first
Clover's catalogue is built around devices: the Station Solo countertop, the Mini, the Compact, the handheld Flex and the Go reader, each paired with software plans for restaurants, retail and services. For a restaurant that wants order entry, kitchen printing and tableside payment from one vendor, that bundle is the point.
Its best in-person rate, 2.3% + 10¢, comes with the Station Solo bundles and some service plans. Clover Go Starter is 2.6% + 10¢. Rates vary by plan and vertical, so the rate on your statement depends on what you signed up for.
Available to pay out
$248,310.42
+$31,904.18 today · 412 payments
Payouts
The card-not-present gap
Clover publishes 3.5% + 10¢ for keyed-in and card-not-present payments, and we did not find a separate ecommerce rate on its pricing pages. On a $100 phone order that is $3.60; on a $1,000 invoice, $35.10. At 2.75% + 30¢ the same payments cost $3.05 and $27.80.
The 10¢ fixed fee does help on small tickets: below about $27, Clover's keyed rate costs less than ours. Above it, and for anything a customer pays from a link or an invoice, Anytime Capital Payments is cheaper.
Rapid Deposit at 1.75%, or one balance
Clover Rapid Deposit moves money to your bank 24/7 for 1.75% of the amount, up to $10,000 per request. On a $6,000 weekend that is $105 to have it before Monday.
With Anytime Capital Payments, sales sweep into your Anytime Capital business account instantly, 24/7, already spendable on employee cards, and payable to suppliers by RTP, wire, ACH or local rails in 71+ countries.
What the monthly bill includes
Clover software runs from $0 to $84.95 a month on Professional Services plans and $84.95 to $89.95 on Station Solo bundles, with hardware on top. A promotion for new merchants runs through December 31, 2026, so check the current terms.
Anytime Capital Payments has no monthly, setup or PCI fees and no hardware. It is not a restaurant POS; if you need one, Clover or Square will serve the counter better, and Anytime Capital can still take the deposits, catering invoices and online orders.
Side by side
Clover vs Anytime Capital, row by row
A green check marks the platform with the edge on that row. Anytime Capital leads on 6 of 10.
In-person card rate
- Clover
- 2.3% + 10¢ on Station Solo bundles; 2.6% + 10¢ on Go Starter
- Anytime
- Key in an amount on any phone, tablet or laptop; the customer scans the code and taps to pay on their own phone. No terminal hardware
Keyed-in and card-not-present
- Clover
- 3.5% + 10¢
- Anytime
- 2.75% + 30¢, lower on payments above about $27
Monthly software
- Clover
- $0 to $89.95 a month by plan, plus hardware
- Anytime
- $0: no monthly, setup or PCI fees
Hardware
- Clover
- Station Solo, Mini, Compact, Flex and Go
- Anytime
- None needed, and none sold
Fast access to sales
- Clover
- Rapid Deposit 1.75%, up to $10,000 per request
- Anytime
- Instant into your Anytime Capital business account, 24/7
ACH
- Clover
- Not published
- Anytime
- ACH bank debit on payment links and invoices; current rate on the pricing page
Chargebacks
- Clover
- Not published
- Anytime
- Shown in your dashboard; pre-dispute alerts can refund small payments automatically
Payment methods
- Clover
- Cards and contactless wallets on Clover hardware
- Anytime
- Cards, Apple Pay and Google Pay on every checkout; ACH on links and invoices; USDC and USDT by payment request
Global supplier payouts
- Clover
- Deposits to your bank
- Anytime
- Local rails in 71+ countries plus SWIFT
Business account, cards and payouts on one balance
- Clover
- Processing and POS; banking from other providers
- Anytime
- Payments, an Anytime Capital business account, employee cards, global payouts in 71+ countries and crypto and stablecoin liquidity on one balance
At a glance
Clover in six lines
- Background
- Part of Fiserv. Rates vary by plan and business type.
- Payout speed
- Standard deposit timing not published on the pages we reviewed; Rapid Deposit moves funds 24/7 for 1.75% per transfer, up to $10,000 per request
- Payment methods
- Cards and contactless wallets on Clover hardware, and keyed-in card payments
- Fraud tools
- Not published on the pricing pages we reviewed
- Point of sale
- Station Solo, Mini, Compact, Flex and Go hardware with Clover software
- Support
- Not published on the pricing pages we reviewed
Launch offer
Try Anytime Capital Payments: 2.5% + 30¢ for your first 30 days
Then 2.75% + 30¢ per card or wallet payment, with no monthly, setup or PCI fees. Links, invoices and in-person payments from day one, instant payouts to your Anytime Capital business account, and payouts on local rails in 71+ countries.
- 2.75% + 30¢ online, 2.5% + 30¢ for 30 days
- No monthly, setup or PCI fees
- Instant payouts to your business account, 24/7
- Live US business team
Payouts
Every way to get paid out
Sales settle into your Anytime Capital Payments balance. From there, each payout goes on the rail that suits it, from your own business account in seconds to a supplier abroad on local rails.
- Instant, 24/7
Your Anytime Capital business account
Sweep settled sales into your Anytime Capital business checking in seconds, nights and weekends included, and spend it the same minute.
- Seconds, any day
RTP and FedNow instant transfers
Push money to any US bank account that receives instant payments, around the clock, with confirmation the moment it lands.
- Same day
Domestic wire
Fedwire for large or time-critical payments: closings, inventory, payroll top-ups and anything a counterparty wants by wire.
- Same day or next day
ACH and same-day ACH
Low-touch transfers to any US bank account for vendors, contractors and your own accounts elsewhere, scheduled or on demand.
- Minutes to same day
Local rails in 71+ countries
Pay suppliers in their own currency over the rail they already use (SEPA Instant, Faster Payments, PIX, SPEI, UPI, PayNow and mobile money), with SWIFT for everywhere else.
- Minutes, including weekends
Stablecoins: USDC and USDT
Same-day on-chain transfers to a supplier, contractor or your own wallet, with no correspondent bank in the way.
- Same day
Crypto liquidity
Convert balance to bitcoin, ether, solana and 38+ other assets, or crypto back to dollars, at desk-quoted rates and send it out the same day.
- Instant
Employee and vendor cards
Fund physical and virtual business cards straight from your payments balance, with limits per person, team or merchant.
For developers and AI agents
REST API, signed webhooks and an MCP endpoint, with every docs page available as Markdown.
Questions
Clover vs Anytime Capital: FAQ
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Where to go next
Important Disclosures
- Information about Clover is drawn from its own published US pricing and pages (clover.com/pricing (Station Solo, Go and Professional Services pages), clover.com/financial-solutions/rapid-deposit and clover.com/shop) as of October 2026. Prices and features change; where a figure was not published or Clover's pages disagreed, this page says so rather than giving a number. Check current pricing before you decide.
- Anytime Capital and Clover are independent companies. This page is not endorsed by, affiliated with or sponsored by Clover. Third-party names, logos and trademarks belong to their owners and are used only to identify the company compared.
- Product views on this page are illustrations of the Anytime Capital dashboard and checkout.
- This comparison is for information only and is not financial, tax or legal advice.
- Anytime Capital is a fintech company, not a bank. Payment processing, banking and payout services are provided by Anytime Capital's licensed partners. Rates shown are for US card payments; international cards, currency conversion and disputes may carry additional fees shown in your dashboard before you accept a payment.