Clover alternatives

Pros

• Published interchange-plus markup with automatic volume discounts: 0.40% + 8¢ in person up to $50k a month, lower above that.
• No monthly, PCI, statement, annual or batch fee, and no cancellation fee: month-to-month.
• Fee Saver credit card surcharge with no program fee: your customers pay 3% on credit cards and you keep paying the normal rate on debit. In person it currently works only on the Helcim Smart Terminal.

Cons

• No integration with restaurant POS systems such as Toast, Square, Clover or Lightspeed is documented; in-person payments run on Helcim's own app and devices (or its terminal API).
• Online and keyed-in payments carry a higher markup: 0.50% + 25¢ up to $50k a month.
• Support isn't 24/7: phone Monday to Friday 7 AM to 5 PM and Saturday 9 AM to 5 PM, Mountain Time.

Pros

• Published markup for restaurants: interchange + 0.15% + 8¢ in person, and 0.10% for high volume or tickets of $25 or less.
• A public table of every fee, with no PCI, batch, annual, AVS or monthly minimum fees.
• No early termination fee; leaving costs $49.

Cons

• A $20 monthly fee, and Dharma says it doesn't make sense below a few thousand dollars a month.
• The credit card surcharge costs $25 a month extra (or 0.12% on Clover), and debit stays at the normal rate.
• Both bank program guides it publishes state a 3-year initial term and let the bank set a reserve at its discretion and adjust your rates without notice if your volume or ticket change.

Pros

• Published interchange++ pricing: 0.60% + $0.13 over interchange and network fees on Visa and Mastercard, with no monthly or setup fee.
• No closure fee and no fixed term.
• Least-cost routing for US debit cards and 24-hour emergency support.

Cons

• A minimum invoice by industry whose amount isn't published, which weighs most on smaller restaurants.
• American Express (3.3% + $0.10) and Discover (3.95%) carry all-in rates higher than interchange plus a markup.
• Payouts arrive two business days after the sale, and leaving takes two months' notice.

Pros

• Its rates and main fees are published: 2.6% + 15¢ in person on Square Free, with no monthly, PCI, statement, chargeback or inactivity fee.
• Month to month, with no early termination fee: you end it by deactivating your account.
• Deposits the next business day at no extra cost for payments taken before 8 p.m. ET, and instant transfers for 1.95%.

Cons

• The surcharge only covers in-person credit card sales: debit and online sales keep Square's rate, and it isn't available in Connecticut, Maine or Massachusetts.
• Online payments cost 3.3% + 30¢ on Square Free and keyed-in cards 3.5% + 15¢; the lower in-person rates require Square Plus ($49) or Premium ($149) per location.
• 24/7 phone support only with Square Premium; on Square Free, phone support is weekdays 6 am to 6 pm PT and only for the first 90 days.

Pros

• Deposits within hours, seven days a week, at no extra cost with a U.S. Bank business checking account.
• Elavon publishes $0 annual, batch, additional authorization and early termination fees.
• 24/7 phone support.

Cons

• Its Terms of Service set a 3-year term that renews for 2 years unless you give notice 30 days before it ends, even though U.S. Bank's POS page says its plans carry no long-term commitment.
• The published rates and fees are for accounts opened online; the POS plans for restaurants are set up with a specialist, and U.S. Bank says their rates may vary and other fees may apply.
• Fee changes take effect upon notice, and card network increases can be passed on.

Pros

• No percentage markup on Visa, Mastercard and Discover: interchange plus 15¢ in every channel.
• Its fees are in a public table, with a $0 termination fee and month-to-month service.
• Next-business-day payouts at no cost; instant payouts for 1.5%.

Cons

• $250 a month makes it expensive at low volume; Finix says it works best from $5,000 a month.
• No integration with a named restaurant POS: its terminals work standalone or through its POS API.
• Regular support is by email only, with no phone line.

Pros

• Next-day deposits by default and same-day at no cost for batches closed by 10:30 a.m. ET, and technical support around the clock.
• A published in-person rate of 2.69% with no per-transaction fee, and no PCI fees under PCI Plus.
• Works with other POS systems, and offers a dual pricing program.

Cons

• Above $100,000 in 12 months on any one card network you move automatically to a 3-year agreement, at fees set at that time, whose early termination fee is the fees left in the term (at least $295), which North can estimate from your volume.
• A payment page on your own website is priced by quote, and the dual pricing program's fees aren't published.
• Its devices only process through North, and smart terminals add a monthly software fee per device.

Pros

• No percentage markup on interchange: 8¢ per in-person payment and 15¢ online, plus the monthly plan.
• No penalty for canceling (30 days' notice) and no batch fee.
• CardX credit card surcharge: your customers pay 3% on credit cards and Stax checks card type and state rules automatically.

Cons

• The monthly plan makes it expensive at low volume: $99 a month even under $150,000 a year in card sales.
• Stax doesn't publish the amounts of its PCI platform, annual, dispute and surcharge platform fees, so we can't compute its full cost.
• With the CardX surcharge, consumer debit cards cost you 1.25% + 25¢, more than interchange plus 8¢ on most debit cards, and CardX says debit pricing varies by processor platform (on some, commercial debit costs 2.91%, and keyed-in debit on the CardX terminal doesn't get the 1.25% rate); CardX doesn't serve Connecticut or Massachusetts.

Pros

• Publishes a fixed early termination fee in its posted terms ($295 per location).
• Next-day deposits, with same-day and instant options.
• 24/7 support by phone, chat and email.

Cons

• The monthly Service and Regulatory Mandate fee and the PCI, statement, batch, annual and chargeback fees aren't published, so the full cost can't be calculated before you get a quote.
• 36-month term that renews for 12 months unless you give 60 days' written notice.
• Fees can rise with 15 days' notice, and the posted terms offer no way out without the early termination fee when they do.

Pros

• Publishes its rates and QuickAccept's full fee schedule: no monthly, PCI, statement or batch fees.
• Same-day deposits into your Chase business checking account at no extra cost.
• QuickAccept's terms have no minimum term or early termination fee, and fee changes come with 30 days' notice.

Cons

• QuickAccept only works with a Chase Business Complete Checking account ($15 a month unless waived, for example with $2,000 a month in QuickAccept deposits).
• The QuickAccept phone line is open weekdays only, not 24/7.
• The terms and other fees of standalone terminal accounts set up with an advisor aren't published.

Pros

• Rates drop automatically as your monthly volume grows, in three published tiers.
• Publishes every fixed fee: $9.95 a month per location plus $10 for PCI, with no fees for chargebacks, downgrades or voice authorizations.
• No early termination fee or monthly minimum, per Wells Fargo.

Cons

• With equipment or a gateway not from Wells Fargo, in-person payments may be charged the online or keyed-in rate.
• Deposits arrive the next business day at the earliest, into a Wells Fargo business account.
• The terms behind the offer aren't linked from its pages, so the length of the term, renewal, holds and price-change rules aren't public.

Pros

• A published in-person flat rate of 2.29% + 9¢, with no monthly fee.
• Month to month: the user agreement lets you close the account without cost.
• Hardware bought once: $79 for the card reader (less for your first one) and $199 for the all-in-one Terminal.

Cons

• Card payments in person only work with the PayPal POS app, which isn't built for restaurants.
• Getting money to your bank takes 1 to 3 business days, unless you pay 1.5% for an instant transfer.
• PayPal can place reserves and holds, and raise rates up to 5% with 30 days' notice on accounts it sees as risky.

Pros

• Month to month, with 30 days' notice before fee changes.
• One system for in-person and online sales, with no PCI, statement or setup fees.

Cons

• You pay a Shopify plan on top of the card rates ($39 a month on Basic).
• Shopify POS is built for retail: the industries Shopify lists for it don't include restaurants.
• Its card readers only work with Shopify Payments, and POS Pro is billed yearly for 12 months.

Pros

• The Advantage Program (dual pricing, a supplemental fee or a cash discount) covers every card, so your customers pay the card cost.
• Deposits the next business day by default, and same-day funding is available.
• 24/7 in-house phone support.

Cons

• 36-month term with automatic one-year renewals; leaving early costs a monthly amount per device, from $100 to $750 by volume, for each month left.
• Annual fees per device: $250 program fee and $189.99 regulatory (PCI) fee.
• The monthly administration and premium support fees vary by merchant, and online and keyed-in rates aren't published, so we can't calculate its full cost.

Pros

• No monthly fee with card readers or POS Lite, no chargeback fee and no monthly minimums.
• Hardware bought once: the Plus card reader is $54.
• Next-day payouts to the SumUp Business Account, which has no monthly fee.

Cons

• 3.5% + 15¢ online and keyed in.
• Card payments only work through SumUp's own app or POS, which isn't built for full-service restaurants.
• Paid POS plans lock you into 12-month contracts that renew automatically.

Pros

• No minimum term and no penalty for closing the merchant account.
• With Simplified Pricing, American Express costs the same as Visa and Mastercard.
• 24/7 phone support for merchants.

Cons

• You must open a Bank of America business checking account and settle your sales into it.
• Restaurant features (menu and tables, open tabs, tip adjust) need the Growth plan, $79 a month for the first terminal.
• Statement, PCI, batch and chargeback fees aren't published: the fee schedule is only given when you open the account, so its full yearly cost can't be calculated from public data.

Pros

• 24/7 phone support and a ticketing system.
• Sells and supports Clover, plus its own CardPointe terminals and gateway.
• Offers a credit card surcharge program.

Cons

• No published rates, fees or merchant terms: the term, renewal and early termination fee depend on the partner who sells it to you.
• In a class action CardConnect settled in 2021, the court had held that it could charge only the fees listed in the agreement merchants signed.
• No published deposit time.

Pros

• Publishes a monthly fee ($13.95), a $0 setup fee and ranges for its qualified rates.
• If fees go up, the Program Guide it posts lets you leave without penalty before they take effect (30 days' notice).
• Next-day deposits and 24/7 support by phone and email.

Cons

• Tiered pricing: it publishes only ranges for its qualified rates, not your rate, so you can't tell what any card, including rewards, business or keyed cards, will cost.
• Three-year term; the early termination fee is written in your fee schedule, and after the term fees keep running until you cancel in writing.
• Advertises equipment leases without publishing their terms.

Pros

• Month-to-month with no cancellation fee.
• Interchange-plus pricing, with no batch fee and next-business-day funding.
• Credit card surcharging is available.

Cons

• Its markup and monthly fee come by quote, and its own pricing page is inconsistent: "variable rates as low as 0.2% - 1.95%" (a markup range, as Merchant Maverick reads it) and, on the same page, "0% markup on interchange".
• It doesn't publish its PCI, statement, annual or chargeback fees, so we can't compute its cost; Merchant Maverick (July 2026) reports complaints about unexpected PCI fees.
• Its merchant agreement isn't public: price-change, reserve and notice terms are unknown.

Pros

• Publishes its full US merchant terms, current as of February 2026.
• You can leave without the termination fee within 60 days after notice of an increase that isn't a card network pass-through.
• Offers both dual pricing and a surcharge program.

Cons

• 48-month initial term, longer than most, renewing for 24 months unless you give 90 days' notice.
• No published rates or fees; the termination fee, monthly minimum, PCI and annual fees are all in your application.
• A paid equipment protection plan is added automatically unless you opt out, and each unreturned device costs $525.

Pros

• Bundles payments, fraud screening and chargeback handling under one fee.

Cons

• No published rates, fees, contract terms or deposit times: you can't compare its cost before talking to sales.
• Built for e-commerce brands; it names no restaurant POS it works with.
• No dual pricing or surcharge program published.

Pros

• Published rates by plan, with a lower in-person rate on POS Essentials: 2.45% + 15¢.
• SpotOn Dual Pricing covers every card type, so your customers pay the card cost.
• Morning deposits the next business day at no extra cost, and Rapid Fund in under 30 minutes for 0.2%.

Cons

• PCI, statement, batch and other processing fees aren't published (they're in your application), so we can't calculate its cost.
• The processing agreement runs 3 years, the bank can raise its fees with 30 days' notice, and leaving early costs an Account Closure Fee set in your application.
• American Express costs more: 3.19% in person.

Pros

• Instant deposit puts your card sales in your account in seconds (Toast doesn't publish its cost).
• Toast Dual Pricing covers credit and debit cards, so your customers pay the card cost (for eligible new customers).
• 24/7 support by phone or web messaging, included.

Cons

• Toast doesn't publish its card rates or processing fees: they're in your quote. The rates we show come from a third-party review, and without the fees we can't calculate its full cost.
• Processing is only with Toast POS, and the term is set in your order form; leaving early costs the software fees left in it ($150 for each month left on pay-as-you-go).
• Toast Dual Pricing packages can carry a monthly processing minimum.

Pros

• 24/7 phone support for small businesses.
• Month-to-month equipment rental that either side can end with 30 days' notice, besides buying.
• Offers a surcharge program (Fee Assist).

Cons

• No published US rates or fees: you can only compare it with a quote.
• Its published small-merchant terms renew for another 36 months unless you give notice at least 90 days before the term ends.
• Its published terms make Worldpay your exclusive processor at all your locations and give it a right of first refusal: before you leave or don't renew, it can match the offer of the processor you want to move to.

Pros

• Publishes its merchant agreement, with the term, automatic renewal and default termination fee.
• Next-day funding.
• Cash discount with dual pricing (covers every card) or surcharging, through its Empower program.

Cons

• Rates, monthly fees, PCI program fee and equipment are by quote: you can't compare the cost before talking to sales.
• Three-year term that renews yearly; leaving early costs the termination fee ($395 unless your fee schedule sets another amount per location), on top of any other damages they may claim.
• The termination fee also applies if the bank or Xplor Pay ends the agreement for cause, or if your volume stays below what you projected for 90 days in a row.