Clover versus Payzium, for home-services contractors
Clover fees for home-services contractors, next to Payzium's published rate.
Three monthly card volumes, priced at $350 average ticket and 65 percent card-present, on Clover's published rate and on Payzium's.
What the month costs, side by side.
- Monthly card volume
- Low $20,000
- Clover
- $550
- Payzium
- $333
- You keep
- $216
- Difference per year
- $2,597
- Monthly card volume
- Typical $50,000
- Clover
- $1,374
- Payzium
- $826
- You keep
- $549
- Difference per year
- $6,583
- Monthly card volume
- High $120,000
- Clover
- $3,298
- Payzium
- $1,939
- You keep
- $1,360
- Difference per year
- $16,315
| Monthly card volume | Average ticket | Card-present | Clover | Payzium | Difference per month | Difference per year |
|---|---|---|---|---|---|---|
| Low $20,000 | $350 | 65% | $550 | $333 | $216 | $2,597 |
| Typical $50,000 | $350 | 65% | $1,374 | $826 | $549 | $6,583 |
| High $120,000 | $350 | 65% | $3,298 | $1,939 | $1,360 | $16,315 |
Clover column: its published home and field services, advanced plan (services growth software), online-only pricing at 2.3% + $0.10 tapped, 3.5% + $0.10 typed in [7]. Payzium column: interchange and network assessments at cost, the published margin at the tier for that volume, the per-transaction fee and the monthly account fee. A positive difference means Clover costs more.
Clover's figures are its online-only plan pricing for the vertical named in the row; reseller-sold Clover accounts are priced differently. The tapped rate is applied to the card-present share and the typed-in rate to the rest.
Average ticket sets the per-transaction count on both sides: the competitor's per-transaction fees and Payzium's per-transaction line are counted at $350.
The Payzium column is the calculator's engine, so the calculator's disclosure applies here as written:
Calculator output is an estimate. Final pricing depends on your actual card mix, current network rates effective on the date of your transactions, and any optional add-ons. The model assumes an average transaction value of $50. Visa and Mastercard revise their US interchange schedules twice a year; this calculator reflects schedules effective April 2026.
Home services and card fees.
Home services trades, from plumbing and HVAC to landscaping and cleaning, accept most of their cards away from a counter. A technician takes payment at the customer's door on a phone or a portable reader, the office keys a card over the phone for a deposit, or the customer pays an emailed invoice online. Each of those is a different interchange category, and the share of each is what decides the effective rate.
The in-the-field share is the cheapest when the card is tapped or inserted on a reader, and the most expensive when the technician types the number in because a reader was not to hand. Plans that quote one number for "mobile" payments usually mean the tapped case; the keyed case is quoted separately and higher, and it is the one that happens on a job site more often than anyone plans for.
Invoices are the second factor. Home services tickets are large and often paid days after the work, from a link in an email or a text. That is card-not-present at invoice interchange, and it is where a flat rate's online number applies. A business that invoices most of its work should compare the online columns, not the in-person ones.
Third, seasonality and ticket spread. An HVAC contractor has a summer that looks nothing like its spring, and a single install can be worth a month of service calls. Tiered plans set on the average month price the peaks badly; interchange-plus does not care which month it is.
The table above uses a typical service ticket and a card-present share that assumes readers are used in the field for most jobs, with a keyed and invoiced share for deposits and larger installs. A contractor who invoices nearly everything should expect the keyed share, and the gap between plans, to be larger.
Clover: what the fees page publishes.
- 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]
Honest Rate Promise
Eligible Payzium-controlled processing cost only. Interchange and network fees excluded.Payzium's written commitment to merchants in the United States that interchange and card-network fees pass through at cost and every Payzium fee is on the pricing schedule. The instrument covers Payzium-controlled fees; it does not modify the merchant processing agreement.
Questions.
How does Clover compare with Payzium for a home-services contractor at $50,000 a month?
At $50,000 a month, $350 average ticket and 65 percent card-present, Clover's published rate comes to about $1,374 a month and Payzium's published rate to about $826: a difference of $549 a month, or $6,583 a year, in Payzium's favor. Estimates from published rates, not a quote.
What does the Payzium estimate for home-services contractors include?
Interchange and card-network assessments passed through at cost, Payzium's Tier 1 margin for $50,000 a month in card volume, the $0.05 per-transaction fee and the $5 monthly account fee, computed for a blended card mix at 65 percent card-present. The per-transaction line is counted at the $350 average ticket the competitor estimate uses.
Is this table a quote?
No. The Payzium column is the calculator's engine, so the calculator's disclosure applies here as written: Calculator output is an estimate. Final pricing depends on your actual card mix, current network rates effective on the date of your transactions, and any optional add-ons. The model assumes an average transaction value of $50. Visa and Mastercard revise their US interchange schedules twice a year; this calculator reflects schedules effective April 2026.
Sources.
- [1] 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
- [2] Virtual Terminal $29.95 per month. Verified 2026-09-08. https://www.clover.com/pos-systems/virtual-terminal
- [3] New-customer statement credit up to $450 on Station, Mini or Flex. Verified 2026-09-08. https://www.clover.com/pricing/retail
- [4] 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
- [5] 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
- [6] 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
- [7] 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
- [8] 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
Related pages.
Other processors for home-services contractors
Clover for other trades
Statement lines to check
See what you are paying now.
Send one processing statement. We rebuild it by hand against our published rates and tell you what the same month would have cost.