For Current Clover Merchants
Whether you unboxed your Clover terminal last week or you've been processing six figures a month for years, the contract, the fees, and the hardware lock-in are the same problem. Square doesn't have any of them.
// no cost, no obligation · application takes about 3 minutes
The earlier you check your contract terms, the less it costs to walk away from them.
Monthly software and hidden fees hit the same regardless of volume — the savings compound every month you wait.
At this volume, even small differences in fixed fees and rate tiers are worth a real, line-by-line look.
Side by Side
Processing rates on paper are close. The real gap is contract length, cancellation cost, and what shows up on your statement besides processing.
| Clover | Square | |
|---|---|---|
| Contract Length | Often 36–48 months via reseller | None — month to month |
| Early Termination | Commonly $300–$600 | $0 |
| Hardware After Switching | Locked to your original processor | Runs on any Square account |
| Monthly Software Fee | $14.95–$354, by plan & bundle | Free plan available; $49–$149 optional |
| Add-On Fees | PCI, statement, platform & gateway fees often add $100–200/mo | No statement, platform, or gateway fees |
| In-Person Rate | ~2.3%–2.6% + 10¢, varies by reseller | 2.6% + 10–15¢, published & flat |
| Cancel Anytime | Usually no — termination fee applies | Yes |
| Support Model | Often multiple departments to cancel | Single account, phone or self-serve |
// figures reflect commonly reported industry ranges as of 2026 and vary by your specific Clover reseller — send your statement and we'll confirm your exact numbers.
The Real Cost
Total monthly cost — software, processing, and add-ons combined — reported across similar businesses.
// "Clover total" figures include software, processing, and typical add-ons combined, per industry reporting. Your exact number depends on your plan — that's what your free comparison is for.
Pricing
No hidden fees. No long-term contracts. Only pay for what you use — or choose a plan that saves you more as you grow.
The essentials your business needs to sell in-person, online, over the phone, or out in the field. Only pay when you take a payment.
per location
Get StartedA full suite of features built specifically for food, retail, and appointment-based businesses. Designed to help you grow and thrive.
per location
Try Free for 30 DaysOur most advanced capabilities backed by 24/7 support. Built to streamline operations and help you scale with confidence.
per location
Try Free for 30 DaysSquare Pro
Ask about custom rates, hardware discounts, onboarding support, and dedicated account management for high-volume businesses.
// Square plans, features, and processing rates shown as published at squareup.com/us/en/pricing, July 2026 — confirm current rates before switching.
Clover → Square
Clover doesn't publish one flat number — what you actually pay depends on your reseller, your business type, and the fine print. Here's how its typical tiers stack up against Square's fixed, published pricing.
The pattern repeats at every tier: Clover's sticker price looks close to Square's — until the mandatory 36-month contract, per-device software fees, and $100–$200/month in PCI, statement, and platform charges show up on your first real statement. Square's number is the whole number: what you see is what you pay, and you're never locked in.
// Clover figures reflect Clover's own published terms at clover.com plus commonly reported 2026 industry pricing research; exact costs vary by reseller and business type. Send your last Clover statement and we'll confirm your real numbers, line by line.
The Hardware
Real Square devices, priced and specced — no reseller bundle, no guessing what's on the other side of the switch.
Two screens, zero contract.
A complete countertop system with a merchant-facing display and a customer-facing screen built right in — nothing bundled to a 36-month term to get it.
The floor, in your hand.
A pocket-sized POS with a built-in barcode scanner and camera — take orders tableside or ring up a sale without walking back to the counter.
Checkout and receipt, built in.
A compact all-in-one machine with a receipt printer already inside — plug it in at the counter and start ringing up sales the same day.
Your iPad, turned register.
A swiveling countertop dock that turns an iPad into a full point of sale — an affordable way in if you're already running on Apple hardware.
Let the counter run itself.
A self-service iPad kiosk your customers order and pay from directly — built to cut the line during your busiest rush.
Tap or dip, from your phone.
A pocket reader that pairs with your phone or tablet over Bluetooth — the simplest way to start accepting cards anywhere.
The swipe that never needs a charge.
A simple mechanical swipe reader with no battery to manage — a dependable backup for cards without a chip or tap.
// ¹ magstripe accepted with Square Reader for magstripe, sold separately · prices and financing reflect Square's published rates as of 2026 and are subject to change — confirm current pricing before ordering
Why Owners Switch
The processing percentage is close. These are the things that actually cost people money and time.
Nothing to renegotiate, renew, or get penalized for leaving. You keep the option to change your mind.
There's no countdown you're stuck watching, and no fee waiting at the end of it.
No PCI, platform, statement, or gateway line items quietly stacking on top of processing.
Support and account changes go through a single account — not several departments to track down.
Items, modifiers, and tax rules carried over before you switch — nothing re-entered from scratch on day one.
One location or ten, the setup and pricing stay consistent — no per-location contract juggling.
How It Works
You keep running Clover right up until Square is tested and ready.
Start your Square application directly, or send your last Clover statement first if you want the numbers side by side.
We send back a real, line-by-line breakdown — what you pay now vs. on Square.
Menu, taxes, modifiers, and staff accounts rebuilt in Square, tested before launch.
You switch over on your schedule. We stay on standby through the first week.
Questions
Start your Square application directly — takes about 3 minutes. Or send your last Clover statement first if you'd rather see the numbers side by side before deciding.