Payzium versus Clover
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.
Clover: what the fees page publishes.
| Line | Rate | Source |
|---|---|---|
| Card rate | Varies by Clover plan and by reseller; check clover.com/en-us/pricing or your Clover reseller quote | [1] |
| Virtual Terminal add-on | $14.95 per month after a 90-day trial | [2] |
- Software plan: Varies by plan and reseller; we could not verify Clover's software fees from consistent public sources [1]
Clover Station, Mini, Flex. Sold outright or leased through a Clover reseller. New-customer credits (up to $450 on Flex or Mini) may apply at time of purchase. [3]
Clover contract candor.
- Clover rates and plan structures vary by reseller. We could not verify Clover's plan-tier and device figures from consistent public sources on 2026-07-07; 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.
At $40,000 per month, 100 percent card-present, blended card mix. Clover: get the plan-tier rate from a reseller quote (we could not verify Clover's rates from consistent public sources). Payzium: interchange plus assessments (pass-through) plus a 0.30 percent margin on credit volume plus $0.05 per transaction plus the $5 monthly account fee. Numbers on Payzium's side are honest and published; Clover's side depends on the plan and reseller.
Payzium all-in effective rate on this fixture
1.70%
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.
Sources.
- [1] Clover pricing landing (JS-rendered; plan and rate detail could not be verified from consistent public sources on the verification date). Verified 2026-07-07. https://www.clover.com/en-us/pricing
- [2] Virtual Terminal add-on $14.95 per month after 90-day trial. Verified 2026-07-07. https://www.clover.com/en-us/pricing
- [3] New-customer credit up to $450 on Flex or Mini. Verified 2026-07-07. https://www.clover.com/en-us/pricing
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.