Payzium versus Clover: bundled POS with reseller-quoted rates.
Clover wins as a full countertop POS with a familiar interface and a strong app marketplace. Payzium wins for merchants who want a lower, published card rate on the same-shape Clover hardware.
- In card processing since 2014
- Next-day funding
- Terminal included¹
- Posted pricing
Your volume, against Clover.
$3,016
About $251 a month back in your business compared with Clover, and $9,049 over three years.
How your price is built
At $40,000 a month in card sales
- Network costs (interchange and assessments), passed through at cost
- $631.64
- Payzium margin
- $72.00
- Payzium per-transaction fees
- $40.00
- Monthly account fee
- $5.00
- Your total a month
- $748.64
- Effective rate
- 1.87%
Estimate on Payzium's published US rate card and live US Visa and Mastercard interchange schedules, $50 average ticket. Competitor figures from each processor's published US rates. Final pricing depends on your actual card mix and current network rates.
Clover: what the fees page publishes.
| Line | Rate |
|---|---|
| Card rate | Varies by Clover plan, by vertical and by reseller; check clover.com/pricing or your Clover reseller quote [1] |
| Virtual Terminal add-on | $29.95 per month [2] |
| Full-service restaurant, all three plans (Restaurant Growth software), online-only pricing | 2.3% + $0.10 tapped, 3.5% + $0.10 typed in [4] |
| Quick-service restaurant, all three plans (Restaurant Growth software), online-only pricing | 2.3% + $0.10 tapped, 3.5% + $0.10 typed in [5] |
| Retail, Standard and Advanced plans (Retail Growth software), online-only pricing | 2.3% + $0.10 tapped, 3.5% + $0.10 typed in [1] |
| Personal services, Standard and Advanced plans (Services Growth software), online-only pricing | 2.3% + $0.10 tapped, 3.5% + $0.10 typed in [6] |
| Home and field services, Advanced plan (Services Growth software), online-only pricing | 2.3% + $0.10 tapped, 3.5% + $0.10 typed in [7] |
| Professional services, all three plans, online-only pricing (no card-present rate published) | 3.5% + $0.10 typed in only [8] |
| Fee | Amount |
|---|---|
| Software plan | Varies by plan, vertical and reseller; online-only pricing differs from reseller pricing [1] |
Clover Station, Mini, Flex. Sold outright, on monthly instalments, or through a Clover reseller. New-customer credits (up to $450 on Station, Mini or Flex) may apply at time of purchase. [3]
Sources.
- Retail pricing table (online-only plans): tapped 2.6% + 10c on Basic, 2.3% + 10c on Standard and Advanced; typed in 3.5% + 10c; reseller pricing differs. Verified 2026-09-08. https://www.clover.com/pricing/retail
- Virtual Terminal $29.95 per month. Verified 2026-09-08. https://www.clover.com/pos-systems/virtual-terminal
- New-customer statement credit up to $450 on Station, Mini or Flex. Verified 2026-09-08. https://www.clover.com/pricing/retail
- Full-service restaurant pricing table: tapped 2.3% + 10c on all three plans; typed in 3.5% + 10c. Verified 2026-09-08. https://www.clover.com/pricing/restaurant
- Quick-service restaurant pricing table: tapped 2.3% + 10c on all three plans; typed in 3.5% + 10c. Verified 2026-09-08. https://www.clover.com/pricing/quick-service-restaurant
- Personal services pricing table: tapped 2.6% + 10c on Basic, 2.3% + 10c on Standard and Advanced; typed in 3.5% + 10c. Verified 2026-09-08. https://www.clover.com/pricing/personal-services
- Home and field services pricing table: no tapped rate on Starter, 2.5% + 10c on Standard, 2.3% + 10c on Advanced; typed in 3.5% + 10c. Verified 2026-09-08. https://www.clover.com/pricing/home-field-services
- Professional services pricing table: no tapped rate on any plan; typed in 3.5% + 10c. Verified 2026-09-08. https://www.clover.com/pricing/professional-services
Clover contract candor.
- Clover rates and plan structures vary by vertical and by reseller. Clover's online pricing is marked as available online only, and a Clover reseller quote is the authoritative source for a specific merchant.
- Clover's contract is typically with the reseller (the ISO or merchant services provider that sells the hardware), not Clover directly.
- Payzium runs its own Clover placement program with the volume pledge, term, and per-device fees disclosed plainly on the hardware page, so a merchant looking at Clover through Payzium can see the terms up front rather than piecing them together from a reseller quote.
Where Clover wins.
- Familiar, well-supported POS hardware with a broad app marketplace.
- Solid handheld (Flex) for pay-at-the-table.
- Strong printer and cash-drawer compatibility.
Where Payzium wins.
- Payzium's interchange-plus margin on Program A nearly always beats the Register and Register Lite blended rates at regular in-person volume.
- Payzium's Clover placement terms are disclosed up front: volume pledge, term, and per-device fees.
- Dual pricing on a Clover Register plan without a card-brand registration.
Worked example.
Payzium all-in effective rate on this fixture
1.87%
This is the same rate shown across the site. See the full monthly breakdown on the calculator.
FAQ.
Can I keep my Clover hardware if I switch?
Sometimes. Clover hardware is boarded to a specific processor; migrating a Clover device to Payzium's rails depends on the device's boarding status and the reseller's contract terms. Payzium can quote the terms for placement of new Clover hardware or answer eligibility for existing hardware on a case basis.
Is Payzium a Clover reseller?
Payzium runs a Clover placement program with the volume pledge, term, and disclosure spelled out on the hardware page. Merchants who want a lower card rate on Clover hardware are the right fit.
Ready to see the numbers on your business?
Run your monthly volume through the calculator and see the exact all-in figure your Payzium account would carry.