Clover logo

Clover

Fiserv-owned POS and payments brand sold through Australian acquiring partners.

Best for

Hospitality and retail venues looking for an all-in-one POS terminal with established hardware.

In-person rate
Custom quote
Online rate
Custom quote
Monthly fee
Custom quote
Contract
Varies
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Pricing breakdown

All prices in AUDPrices checked

Every fee we track, grouped by where it applies.

In-person payments

EFTPOS terminal and tap-to-pay transactions.

Transaction rate

Sold through Australian acquiring partners. Rates vary by partner.

Monthly fee
Hardware cost
Hardware quoted
Setup fee

Online payments

Online checkout and keyed-in card transactions.

Transaction rate
Monthly fee
Setup fee

Other fees

Chargeback fee

Varies by acquiring partner.

AMEX rate
International card surcharge
Early termination fee
Varies

Depends on reseller terms.

Instant payout fee
Same-day available
Refund fee
PCI compliance fee

Contract terms

Contract length
Varies
Settlement time
Standard payouts
Least-cost routing
Yes
Recurring billing
Yes

Via Clover apps marketplace.

How Clover compares

All prices in AUDPrices checked

Side-by-side with the closest alternatives by estimated cost.

Assumes $15,000/mo volume, $50 average transaction, 70% in-person and 30% online.

Clover logo

Clover

In-person rate
Custom quote
Online rate
Custom quote
Monthly fee
Custom quote
Hardware cost
Hardware quoted
Contract length
Varies
Settlement time
Standard payouts
Est. monthly cost
Visit Clover
Square logo

Square

$267/mo est.

In-person rate
1.6%
Online rate
2.2%
Monthly fee
Free
Hardware cost
$65
Contract length
No lock-in
Settlement time
Next day
Est. monthly cost
$267/mo
Zeller logo

Zeller

$246/mo est.

In-person rate
1.4%
Online rate
1.7% + $0.25
Monthly fee
Free
Hardware cost
From $99
Contract length
No lock-in
Settlement time
Next business day
Est. monthly cost
$246/mo
Stripe logo

Stripe

$303/mo est.

In-person rate
1.7% + $0.10
Online rate
1.7% + $0.30
Monthly fee
Free
Hardware cost
From $89
Contract length
No lock-in
Settlement time
Standard payouts
Est. monthly cost
$303/mo

Common questions about Clover for payment providers

The same questions Australian merchants ask before signing up.

  • Clover does not publish standard transaction rates in Australia. Pricing is set by the acquiring partner or reseller through which you obtain Clover hardware and services, so rates vary depending on who you sign up with.

  • Contract terms depend on the Australian acquiring partner you sign with, not Clover directly. Some resellers include fixed-term hardware finance agreements. Always confirm contract length, terminal ownership, and exit terms with the specific partner before proceeding.

  • Yes. Clover terminals in Australia support least-cost routing for eligible contactless debit card transactions, though activation may depend on the acquiring partner through which the terminal is deployed.

  • Clover has a native POS ecosystem with purpose-built hardware (Station, Mini, Flex) and access to the Clover App Market, which includes a range of vertical-specific apps for hospitality, retail, and service businesses. This is one of its main strengths over generic payment terminals.

  • Clover is owned by Fiserv, a US-headquartered global payments giant. In Australia, Clover hardware and services are distributed through acquiring partners rather than directly. The Fiserv backing provides stability and a mature product ecosystem, but the partner-dependent model means your customer experience varies by reseller.

  • Clover suits hospitality and retail businesses that want mature, dedicated POS hardware with a strong app marketplace. It is a good fit where staff already know the Clover system or where vertical-specific POS features are a priority. Businesses that want transparent flat-rate pricing should compare carefully.

Strengths and trade-offs

Pros

  • Mature POS hardware ecosystem
  • Strong app marketplace for vertical workflows
  • Owned by Fiserv (global payments giant)

Cons

  • Pricing varies by reseller, not transparent
  • Less Australia-specific than locally built alternatives

Accepted payment methods

Cards, wallets, and other methods supported by Clover for Australian merchants.

Cards

  • Visa
  • Mastercard
  • EFTPOS
  • AMEX

Digital wallets

  • Apple Pay
  • Google Pay
  • Samsung Pay

About Clover

Clover is a US-built POS and payments platform owned by Fiserv. In Australia, hardware and processing are typically sold through bank and ISO partners; pricing varies by partner and is custom-quoted.

Clover was founded in 2012 and is headquartered in Sunnyvale, USA.

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Compare Clover

Compare Clover against every other Australian provider on price, contract terms, and features.