Free calculator
Clover fee calculator
Phone orders, invoices and other payments where the card is not tapped or inserted.
Fee
$3.60
You receive
$96.40
Effective rate
3.6%
Same payment with Anytime Capital Payments · 2.75% + 30¢
Fee $3.05, you receive $96.95· $0.55 less than Clover
First 90 days at 2.5% + 30¢: $2.80 fee Claim the launch offer
Fee on $100.00 at every rate
- Keyed-in or card-not-present · 3.5% + 10¢$3.60
- In person, Station Solo bundle · 2.3% + 10¢$2.40
- In person, Clover Go Starter · 2.6% + 10¢$2.70
- Anytime Capital · 2.75% + 30¢$3.05
Enter any amount to see what Clover keeps and what you receive on its published US rates: keyed-in and card-not-present payments, and in person on Station Solo bundles and Clover Go Starter. Switch to “What to charge” to work back from the amount you need. For a keyed-in or remote payment, the same sale at Anytime Capital Payments's 2.75% + 30¢ sits beside it; in person, Clover's rates are lower, and the calculator says so.
- The fee on a sale, or what to charge to receive an amount
- Every rate Clover publishes for US businesses
- Beside the same payment at 2.75% + 30¢
Updated October 2026. Published US rates; where a figure is not published, the calculator leaves it out rather than guess.
Quick answer
How much does Clover charge on $100?
It depends on how the card is taken and on your plan. In person, $2.40 on a Station Solo bundle (2.3% + 10¢) or $2.70 on Clover Go Starter (2.6% + 10¢). Keyed in or card-not-present, $3.60 (3.5% + 10¢). A $100 online or invoice payment at Anytime Capital Payments's 2.75% + 30¢ costs $3.05; in person, Clover's published rates are lower than ours.
Common amounts
Clover fees on common amounts
| Sale | Clover fee | You receive | Anytime Capital fee | You receive |
|---|---|---|---|---|
| $10 | $0.45 | $9.55 | $0.58 | $9.42 |
| $25 | $0.98 | $24.02 | $0.99 | $24.01 |
| $50 | $1.85 | $48.15 | $1.68 | $48.32 |
| $100 | $3.60 | $96.40 | $3.05 | $96.95 |
| $250 | $8.85 | $241.15 | $7.18 | $242.82 |
| $500 | $17.60 | $482.40 | $14.05 | $485.95 |
| $1,000 | $35.10 | $964.90 | $27.80 | $972.20 |
| $5,000 | $175.10 | $4,824.90 | $137.80 | $4,862.20 |
Clover: keyed-in or card-not-present at 3.5% + 10¢. Anytime Capital: 2.75% + 30¢, or 2.5% + 30¢ for the first 90 days with the launch offer. Each fee rounded to the cent.
Work backwards
What to charge to receive an exact amount
| To receive | Charge on Clover | Charge on Anytime Capital |
|---|---|---|
| $25 | $26.01 | $26.02 |
| $100 | $103.73 | $103.14 |
| $500 | $518.24 | $514.45 |
| $1,000 | $1,036.37 | $1,028.59 |
| $5,000 | $5,181.45 | $5,141.70 |
The smallest charge, to the cent, that leaves at least the target after the fee: (target + fixed fee) ÷ (1 − percentage), rounded up.
Published rates
Every Clover rate on a $100 payment
| Payment | Published rate | Fee on $100 | You receive |
|---|---|---|---|
| Keyed-in or card-not-present | 3.5% + 10¢ | $3.60 | $96.40 |
| In person, Station Solo bundle | 2.3% + 10¢ | $2.40 | $97.60 |
| In person, Clover Go Starter | 2.6% + 10¢ | $2.70 | $97.30 |
| Anytime Capital, US online card or wallet | 2.75% + 30¢ | $3.05 | $96.95 |
Clover's published US pricing as of October 2026. Launch offer: 2.5% + 30¢ for your first 90 days, $2.80 on $100.
How Clover's fee is worked out
Clover charges a percentage plus 10¢, and the percentage depends on how the card is taken. In person on a Station Solo bundle the fee is the amount × 0.023 + $0.10: $1.48 on a $60 sale. Keyed in, over the phone or on an invoice it is the amount × 0.035 + $0.10: $2.20 on the same $60.
Clover is part of Fiserv and sells hardware first: Station Solo, Mini, Compact, Flex and Go, each with software plans priced by business type. Its best in-person rate comes with the Station Solo bundles and some service plans, so the rate on your statement depends on what you signed up for.
What to charge so you receive an exact amount
Add the 10¢ fixed fee to the amount you want and divide by one minus the percentage. For a keyed-in payment: charge = (target + $0.10) ÷ (1 − 0.035). To receive $200, charge $207.36 keyed in, or $204.81 in person on a Station Solo bundle.
Grossing up a price is different from adding a separate card surcharge. Surcharges are restricted by card-network rules and some state laws: they are capped, must be disclosed before payment and are not allowed on debit cards. Building the fee into your price, or invoicing large amounts by bank payment, avoids the question. This is general information, not legal advice.
Clover fees this calculator leaves out
The calculator covers the processing fee on each payment. These are separate, as of October 2026:
- Software and hardware: $0 to $89.95 a month in software by plan, plus hardware
- Instant deposits: 1.75% with Rapid Deposit, up to $10,000 per request
- Disputes: not published on the pages we reviewed
- International cards: not published on the pages we reviewed
The same sale with Anytime Capital
For payments where the card is not present, Anytime Capital Payments is 2.75% + 30¢ against Clover's 3.5% + 10¢: $3.05 rather than $3.60 on $100, with no hardware or software subscription. Clover's smaller fixed fee makes it the cheaper of the two below about $27 a sale.
In person, Clover's published rates of 2.3% to 2.6% + 10¢ are lower than any online rate, ours included, and a busy counter is what its hardware is for. Anytime Capital's in-person checkout runs on the customer's own phone with no terminal, which suits appointments, deliveries and markets. Many businesses keep Clover at the counter and use Anytime Capital for invoices, deposits and payment links.
Launch offer
Try Anytime Capital Payments: 2.5% + 30¢ for your first 90 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 90 days
- No monthly, setup or PCI fees
- Instant payouts to your business account, 24/7
- Live US business team
Questions
Clover fee calculator: FAQ
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Important Disclosures
- Rates for Clover are drawn from published US pricing (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 change and negotiated pricing differs; check current pricing before you decide. The calculator rounds each fee to the cent, and a processor may round differently.
- Anytime Capital is independent of Clover. This page is not endorsed by, affiliated with or sponsored by any company it names. Third-party names and trademarks belong to their owners and are used only to identify the pricing shown.
- This calculator 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.