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
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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
All prices in AUDLast verified 13 June 2026Every 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
- Terminal 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.
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 cost.
Assumes $15,000/mo volume, $50 average transaction, 70% in-person and 30% online.
Westpac
$214/mo est.
- In-person rate
- 1.2%
- Online rate
- 1.4%
- Monthly fee
- $24.75/mo
- Terminal cost
- $24.75/mo rental
- Contract length
- No lock-in
- Settlement time
- Instant
- Est. monthly cost
- $214/mo
Bendigo Bank
$229/mo est.
- In-person rate
- 1.4%
- Online rate
- 1.4%
- Monthly fee
- From $19/mo
- Terminal cost
- From $19/mo rental
- Contract length
- No lock-in
- Settlement time
- Next business day
- Est. monthly cost
- $229/mo
NAB
$231/mo est.
- In-person rate
- 1.15%
- Online rate
- 1.4% + $0.25
- Monthly fee
- $25/mo
- Terminal cost
- $25/mo rental
- Contract length
- No lock-in (60 days notice)
- Settlement time
- Next business day
- Est. monthly cost
- $231/mo
Common questions about Clover
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.
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Compare Clover
Compare Clover against every other Australian provider on price, contract terms, and features.