Clover
- In-person rate
- Custom quote
- Online rate
- Custom quote
- Monthly fee
- Custom quote
- Terminal cost
- Hardware quoted
- Contract length
- Varies
- Settlement time
- Standard payouts
- Est. monthly cost
- —
Clover
Fiserv-owned POS and payments brand sold through Australian acquiring partners.
- In-person rate
- Custom quote
- Online rate
- Custom quote
- Monthly fee
- Custom quote
- Contract
- Varies
Best for
Hospitality and retail venues looking for an all-in-one POS terminal with established hardware.
Pricing breakdown
Every fee we track, grouped by where it applies.
In-person payments
EFTPOS terminal and tap-to-pay transactions.
- Transaction rate
- Custom quote
Sold through Australian acquiring partners. Rates vary by partner.
- Monthly fee
- Custom quote
- Terminal cost
- Hardware quoted
- Setup fee
- Custom quote
Online payments
Online checkout and keyed-in card transactions.
- Transaction rate
- Custom quote
- Monthly fee
- Custom quote
- Setup fee
- Custom quote
Other fees
- Chargeback fee
- Custom quote
Varies by acquiring partner.
- AMEX rate
- Custom quote
- International card surcharge
- Custom quote
- Early termination fee
- Varies
Depends on reseller terms.
- Instant payout fee
- Same-day available
- Refund fee
- Custom quote
- PCI compliance fee
- Custom quote
Contract terms
- Contract length
- Varies
- Settlement time
- Standard payouts
- Least-cost routing
- Yes
- Recurring billing
- Yes
Via Clover apps marketplace.
Last verified 14 May 2026.
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
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
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.
How Clover compares
Side-by-side with the closest alternatives by estimated monthly cost.
Zeller
$633/mo est.
- In-person rate
- 1.4%
- Online rate
- 1.7% + $0.25
- Monthly fee
- Free
- Terminal cost
- From $99
- Contract length
- No lock-in
- Settlement time
- Next business day
- Est. monthly cost
- $633/mo
Stripe
$723/mo est.
- In-person rate
- 1.7% + $0.30
- Online rate
- 1.7% + $0.30
- Monthly fee
- Free
- Terminal cost
- Hardware quoted
- Contract length
- No lock-in
- Settlement time
- Standard payouts
- Est. monthly cost
- $723/mo
Square
$757/mo est.
- In-person rate
- 1.6%
- Online rate
- 2.2%
- Monthly fee
- Free
- Terminal cost
- $65
- Contract length
- No lock-in
- Settlement time
- Next day
- Est. monthly cost
- $757/mo
Common questions about Clover
The same questions Australian merchants ask before signing up.
Clover does not publish a standard rate in Australia. Pricing is quoted based on your business size, industry, and card mix. Request a quote on their site, or use our free fee calculator to compare against providers that do publish rates.
Clover contract terms in Australia: Varies. Check the fine print for any early termination fees before signing.
Clover settles funds on a standard payouts schedule for Australian merchants. Settlement timing can be a deciding factor for cash flow, see how it compares on our payment-providers comparison page.
Clover AMEX pricing in Australia is not publicly listed. Ask their sales team whether AMEX acceptance and rates are included.
Yes. Clover offers least-cost routing in Australia, which can lower the cost of contactless debit transactions by routing them through the cheaper EFTPOS network. This is a real saving for busy retail and hospitality merchants.
Clover is best suited to hospitality and retail venues looking for an all-in-one pos terminal with established hardware. To see how it stacks up for your specific volume and card mix, try our free fee calculator.
We may earn a commission when you click through to Clover and sign up, where a commercial arrangement is in place. This never affects ranking, the data we publish, or the comparisons we make on this page. Read our terms for the full picture.
Compare Clover
Compare Clover against every other Australian provider on price, contract terms, and features.