What are Clover's processing fees?

On Clover's published US pricing: 2.3% + 10¢ in person on Station Solo bundles and some service plans, 2.6% + 10¢ on Clover Go Starter, and 3.5% + 10¢ for keyed-in and card-not-present payments. Clover also charges $0 to $89.95 a month in software by plan, plus hardware, and instant deposits cost 1.75% with Rapid Deposit, up to $10,000 per request. Rates vary by plan and business type. Prices as of October 2026.

How much does Clover charge on $1,000?

$23.10 in person on a Station Solo bundle, $26.10 on Clover Go Starter, and $35.10 keyed in. At 2.75% + 30¢, a $1,000 invoice or payment link costs $27.80 with Anytime Capital.

What is Clover's keyed-in rate?

3.5% + 10¢ for keyed-in and card-not-present payments, which is $3.60 on $100. Clover publishes no separate ecommerce rate.

How do I calculate what to charge to cover Clover fees?

Add 10¢ to the amount you want to receive and divide by one minus the rate: 0.965 keyed in, 0.977 on a Station Solo bundle, 0.974 on Go Starter. To receive $100 keyed in, charge $103.73.

How much is Clover Rapid Deposit?

Clover lists 1.75% with Rapid Deposit, up to $10,000 per request, with funds moving 24/7. With Anytime Capital, settled sales sweep instantly into your Anytime Capital business account.

Is Clover cheaper than Anytime Capital?

In person, yes: Clover's 2.3% to 2.6% + 10¢ is below our 2.75% + 30¢, though it comes with hardware and a software plan. For keyed-in and remote payments, Clover's 3.5% + 10¢ costs more above about $27 a sale: $3.60 against $3.05 on $100.

Does this calculator save what I type?

No. The arithmetic runs in your browser and nothing you type is sent or stored. “Copy link to this result” puts your figures in the link itself, so they travel with it when you share it. The rates are each processor's published US pricing; yours can differ if you have negotiated pricing.

Free calculator

Clover fee calculator

Sale amount

Rate3.5% + 10¢

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

Payments a month→ $720.00 a month at Clover, $610.00 with Anytime Capital ($1,320.00 a year less)

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

Clover fees on common sale amounts, with Anytime Capital's fee on the same sale
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

What to charge so you receive each amount after Clover fees, and after Anytime Capital's
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

Clover's published US rates and the fee each charges 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.

Beyond the feeClover vs Anytime Capital: the full comparisonPayout speed, fraud tools, in-person options, support, and where Clover is the better choice.

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, payouts to your bank (instant where eligible), and QuickBooks Online or Xero sync.

Claim 2.5% + 30¢See pricing

2.75% + 30¢ online, 2.5% + 30¢ for 90 days
No monthly, setup or PCI fees
Payouts to your bank, instant where eligible
Live US business team

Payment processing

A complete payments stack, from your website to your bank account

Checkout, 3D Secure, risk rules and instant payouts in one product, at 2.75% + 30¢ per card or wallet payment, 2.5% + 30¢ for your first 90 days. No gateway to bolt on and no separate merchant account.

Your website
A Pay button, the checkout inline, or a hosted checkout on pay.yourbusiness.com.
Checkout
Visa, Mastercard, Amex, Discover, Apple Pay, Google Pay and ACH, in your logo and colour.
- AMEX
- ACH
3D Secure
Customers confirm larger payments with their bank, which usually moves fraud liability to the issuer.
Risk rules
Block card countries, cap amounts and decline high-risk scores before the card is charged.
Instant payout
Settled sales land in your Anytime Capital bank account, nights and weekends included.

Harbor & Pine · Wholesale order #1182$384.00 paid out to your bank account ••4821Processing

3D Secure and risk rules, in the dashboard

Payment rules in the Anytime Capital dashboard: block card countries, require 3D Secure on payments of $500 or more, and a maximum amount per payment

Add checkout to any website

<a href="https://anytime-capital.com/pay/business/pl_8fK2mQ"   data-anytime-pay="pl_8fK2mQ">Pay $384.00</a><script async src="https://anytime-capital.com/embed/anytime-pay.js"></script>

Customers pay in a secure window over your page. Where a builder strips scripts, the same link opens your hosted checkout on your own domain.

See payment processing

The real product

Invoices, checkouts and receipts your customers actually see

Every screen below is the Anytime Capital product, rendered with demo data: your logo and colours on the invoice, the checkout and the receipt, and the money in your account the minute it settles.

Anytime Capital product views, demo data.

One platform

Everything a business banks on, in one account

A business bank account that pays 71 countries in local currency, employee expense cards, payment processing and crypto, on one balance.

Operating account

Available

$482,310.55

Account: •••• 4821
Routing: •••• 0371
Receive by: ACH · Wire · RTP · FedNow

Weber FeinmechanikSEPA Instant€8,420.00Sending
Textiles OrtizSPEIMX$184,300Sending
Mehta Spice TradersUPI₹695,000Sending

Receive by ACH, wire, RTP and FedNow in your business's own name

Pay suppliers and contractors in 71 countries over the rail their bank already uses

SEPA Instant, Faster Payments, PIX, SPEI, UPI, PayNow and mobile money, with SWIFT everywhere else

Card sales land in the same balance the minute they settle

See the bank account

Docs and API

Integrate in an afternoon, or let your AI agent do it

A REST API, signed webhooks and an MCP server, with docs written to be pasted: every page is also Markdown, and each one comes with a prompt for your AI assistant.

MCP server: https://anytime-capital.com/api/mcp
Docs as one file: /docs/llms-full.txt

Read the quickstart All docs

Create a payment link

curl -X POST https://anytime-capital.com/api/v1/payment-links \
  -H "Authorization: Bearer $ANYTIME_API_KEY" \
  -H "Idempotency-Key: order-1042" \
  -H "Content-Type: application/json" \
  -d '{
    "title": "Consulting — October",
    "amountCents": 12500,
    "singleUse": true,
    "metadata": { "orderId": "1042" }
  }'

MCP connection

Let your AI agent run payments, with a key you can revoke

Our MCP server gives Claude, Cursor, GitHub Copilot, Gemini and OpenAI agents the same API your developers use: payments, payment links, invoices and customers, with the same limits and the same activity log.

ClaudeClaude Code & Desktop
CursorMCP server
GitHub CopilotMCP in VS Code
GeminiMCP in Gemini CLI
OpenAIMCP in the Agents SDK
WindsurfMCP server

48 tools

list_payments
get_payment
list_payment_links
create_payment_link
get_payment_link
update_payment_link
deactivate_payment_link
list_invoices
create_invoice
get_invoice
send_invoice
list_customers
create_customer
get_customer
update_customer
list_refunds
get_refund
create_refund
list_products
create_product
get_product
update_product
archive_product
list_subscription_plans
create_subscription_plan
get_subscription_plan
list_subscriptions
get_subscription
cancel_subscription
pause_subscription
resume_subscription
list_discount_codes
create_discount_code
get_discount_code
deactivate_discount_code
list_payouts
get_payout
get_balance
list_disputes
get_dispute
list_webhook_endpoints
create_webhook_endpoint
get_webhook_endpoint
update_webhook_endpoint
delete_webhook_endpoint
list_events
get_event
send_test_event

Connect the MCP server

Claude Code · harbor-and-pine

$ claude mcp add --transport http anytime-capital https://anytime-capital.com/api/mcp --header "Authorization: Bearer ak_live_…"

✓ Added HTTP MCP server anytime-capital

> Invoice Northwind Studio $2,400 for the October retainer, due in 14 days, and send it.

⏺ anytime-capital · create_invoice({ customerName: "Northwind Studio", lineItems: [{ description: "October retainer", quantity: 1, unitCents: 240000 }], dueDate: "2026-11-07", send: true })

⎿ Invoice sent to dana@northwind.studio · $2,400.00 due Nov 7 · reminders on

> How much did we take by card this week?

⏺ anytime-capital · list_payments({ createdFrom: "2026-10-19" })

⎿ 214 payments · $31,904.18 gross · 2 refunds

Developer settings in the Anytime Capital dashboard: API keys, including one for Claude over MCP, and a webhook endpoint

Questions