How does Clover compare with Payzium for a retailer at $50,000 a month?

At $50,000 a month, $35 average ticket and 95 percent card-present, Clover's published rate comes to about $1,323 a month and Payzium's published rate to about $808: a difference of $515 a month, or $6,177 a year, in Payzium's favor. Estimates from published rates, not a quote.

What does the Payzium estimate for retailers 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 debit-leaning card mix at 95 percent card-present. The per-transaction line is counted at the $35 average ticket the competitor estimate uses.

Clover versus Payzium, for retailers

Clover fees for retailers, next to Payzium's published rate.

Three monthly card volumes, priced at $35 average ticket and 95 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
$529
Payzium
$326
You keep
$203
Difference per year
$2,435
Monthly card volume
Typical $50,000
Clover
$1,323
Payzium
$808
You keep
$515
Difference per year
$6,177
Monthly card volume
High $120,000
Clover
$3,175
Payzium
$1,914
You keep
$1,260
Difference per year
$15,125

Monthly card volume	Average ticket	Card-present	Clover	Payzium	Difference per month	Difference per year
Low $20,000	$35	95%	$529	$326	$203	$2,435
Typical $50,000	$35	95%	$1,323	$808	$515	$6,177
High $120,000	$35	95%	$3,175	$1,914	$1,260	$15,125

Clover column: its published retail, standard and advanced plans (retail growth software), online-only pricing at 2.3% + $0.10 tapped, 3.5% + $0.10 typed in [1]. 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 $35.

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.

Retail and card fees.

Retail sits in the middle of the card-cost range. Tickets are larger than a restaurant's, most transactions are still card-present, and the card mix leans toward consumer credit, with rewards cards common in apparel, electronics and specialty stores. That mix is exactly where a flat rate and a published margin drift apart, because rewards interchange is higher than standard interchange and a flat rate prices every card as if it were the expensive kind.

Returns and exchanges deserve a line of their own. On many plans a returned sale does not give back the processing fee, and on some plans the return itself carries a fee, so a store with a generous return policy pays for cards twice on the same sale. Chargebacks follow the same logic; a store that sells online as well as in person will see a higher dispute rate on the online share, and the fee per dispute varies widely between processors.

Seasonality is the third factor. A retailer that does a large share of the year in the last quarter is often placed in a pricing tier by its average month, and then pays the tier's per-transaction fee on the busy months at a rate that was set for the quiet ones. Interchange-plus does not use tiers in that sense; the margin is the margin regardless of the month.

The table above uses a typical retail ticket and a card-present share that assumes most sales happen at the counter with some online orders. A store that sells mainly online should read the online comparison instead, since keyed and e-commerce interchange rates are higher and the difference between plans is larger there.

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.

Read the full promise

Questions.

How does Clover compare with Payzium for a retailer at $50,000 a month?
At $50,000 a month, $35 average ticket and 95 percent card-present, Clover's published rate comes to about $1,323 a month and Payzium's published rate to about $808: a difference of $515 a month, or $6,177 a year, in Payzium's favor. Estimates from published rates, not a quote.
What does the Payzium estimate for retailers 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 debit-leaning card mix at 95 percent card-present. The per-transaction line is counted at the $35 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

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