Processor Comparison
ClickWerxs vs Clover: What Your POS Provider Isn't Telling You
Clover's all-in-one POS system looks convenient — until you see the $14.95/month software fees, proprietary hardware lock-in, app marketplace add-ons, and flat-rate pricing that overcharges every debit card swipe. Compare Clover and ClickWerxs side by side.
- Clover charges 2.3% + 10¢ flat — no volume discounts at standard tier
- Required $14.95/month software fee on top of processing rates
- Proprietary hardware from $499 to $1,799 per device
- App add-ons can cost $75-$150/month on top of everything else
2.3%+10¢
Clover's in-person rate
$14.95
Monthly software fee (required)
$1,799
Clover Station Duo cost
$0
ClickWerxs monthly POS fees
ClickWerxs vs Clover: Head-to-Head Comparison
A transparent comparison across the features that matter most. We give Clover credit where it's earned — and show where ClickWerxs delivers more value.
In-Person Processing Rate
Online Processing Rate
Keyed-In / MOTO Rate
Monthly Software Fee
Pricing Model
Volume-Based Discounts
POS Hardware Flexibility
App Marketplace Add-Ons
High-Risk Industry Support
Dedicated Account Manager
Next-Day Funding
Month-to-Month Contract
Clover pricing from clover.com, accessed March 2026. Clover rates and terms vary by reseller. ClickWerxs rates vary by merchant profile.
Why Growing Businesses Switch from Clover to ClickWerxs
Clover's bundled POS system looks simple on the surface — but the true cost adds up fast. A $14.95/month software fee, flat-rate processing that overcharges debit cards, and an app marketplace where essential features cost $25-$75/month each. On $50,000/month in card volume, merchants switching from Clover's flat rate to interchange-plus pricing typically save $300-$600/month in processing fees alone — before factoring in eliminated software and app fees.
- Interchange-plus saves 20-40% vs Clover's flat rate on debit cards
- No monthly software fees — zero ongoing POS subscription costs
- Use any terminal brand — no proprietary Clover hardware lock-in
- CRM, customer management, and reporting included free (Command Center)
- Dedicated account manager instead of reseller support lottery
Exact savings will vary by merchant
Where ClickWerxs Beats Clover
Clover's ecosystem is convenient for getting started. ClickWerxs is built for businesses that want to stop overpaying.
Transparent Pricing Without the Monthly Fees
Clover charges 2.3% + $0.10 flat on every in-person swipe — the same rate whether it's a premium rewards card (interchange ~2.2%) or a debit card (interchange ~0.05%). You're paying the same margin regardless of the card's real cost. Add the required $14.95/month software fee, and the true cost of Clover is higher than it appears.
- Debit cards at interchange cost ~0.05% + $0.21 — Clover charges 2.3% + $0.10
- No monthly software subscription fee with ClickWerxs
- Volume-based pricing means your rate improves as you grow
That's a 77% reduction on debit
Escape the Clover Hardware + App Trap
Clover's business model is built on layers of recurring revenue: $499-$1,799 proprietary hardware, $14.95/month mandatory software fee, and an app marketplace where online ordering ($39.95/mo), loyalty ($24.95/mo), and advanced reporting ($14.95/mo) are all paid add-ons. Switch processors? Your Clover hardware stops working entirely.
- Clover app add-ons can cost $75-$150/month on top of processing
- Hardware becomes useless if you leave Clover's ecosystem
- ClickWerxs: CRM, reporting, and customer management included free
ClickWerxsIndustries Clover Won't Touch
Clover, like most aggregator POS systems, restricts merchants in a wide range of business categories. Dozens of legitimate businesses are either banned outright or face sudden account termination. ClickWerxs has dedicated banking relationships for merchants in specialized categories that Clover categorically rejects.
- Case-specific review rather than automatic declines
- Dedicated banking relationships for specialized categories
- Merchants other processors turn away are our core focus
- No blanket category bans — every application is evaluated
Not all high-risk merchants will be approved. Approval subject to underwriting review.
No Reseller Roulette — Direct Relationship
Clover is sold through a network of independent resellers, banks, and ISOs — each setting their own rates, terms, and support quality. Your experience depends entirely on which reseller sold you the system. Some lock merchants into 3-year leases on hardware worth a fraction of the lease cost. ClickWerxs gives you a direct relationship with a dedicated account manager from day one.
- No surprise lease agreements or hidden contract terms
- Your account manager is your single point of contact
- Consistent pricing and support — not reseller-dependent
“We were paying Clover $14.95/month for software, $39.95/month for online ordering, $24.95/month for loyalty — plus 2.3% on every swipe. ClickWerxs switched us to interchange-plus with everything included. We save over $700 a month total.”
Who Should Stay With Clover
Clover works well for certain businesses. We're honest about that.
- You're a new business processing under $10K/month and want an out-of-the-box POS system
- You're already in a Clover contract with hardware lease terms you can't exit
- Your restaurant or retail business specifically needs Clover's table management or menu app
- You value having POS hardware, software, and processing from a single brand
- You're comfortable paying monthly app fees for features you actively use
- Your reseller provides excellent local support and competitive custom rates
- You process exclusively low-risk retail or food service with no restricted category concerns
- You prefer flat-rate predictability over interchange-plus savings at your current volume
How to Switch from Clover to ClickWerxs
The transition is straightforward. Keep Clover running until you're fully set up — no downtime, no rushed cutover.
Free Processing Cost Analysis
Share your Clover statements. We calculate exactly how much interchange-plus saves you — factoring in processing fees, monthly software costs, and app add-on charges.
We analyze your average ticket, debit vs. credit mix, monthly volume, and current Clover add-on costs to build a complete savings picture.
Custom Pricing Proposal
Your dedicated account manager builds interchange-plus rates tailored to your business. No generic rate cards — pricing based on your actual numbers.
Terminal Setup and Configuration
We ship and configure your new terminals. Your account manager handles all technical setup, including payment gateway integration if you process online.
If you use Clover for online ordering, we help you transition to an integrated solution that doesn't charge monthly add-on fees.
Go Live — Phase Out Clover at Your Pace
Start processing through ClickWerxs immediately. Keep Clover active as long as you need during the transition. Cancel Clover subscriptions when you're confident.
What About Your Clover Data?
Your Clover account stays active and accessible even after you stop processing through it. Transaction history, customer records, and reporting data remain available. If you rely on specific Clover apps for non-payment functions like scheduling or inventory, those can continue operating independently while you process payments through ClickWerxs.
- Clover transaction history remains accessible through your account
- Customer data can be exported and imported into ClickWerxs Command Center
- Non-payment Clover apps can continue running independently
- Your dedicated account manager guides every step of the migration
“My Clover reseller locked me into a 48-month lease for equipment worth $800. I was paying $89/month for a $499 terminal. ClickWerxs gave me a straight purchase with no lease games and better processing rates.”
David R.
Auto Repair Shop, Phoenix AZ
“Between Clover's software fee, the online ordering app, and the loyalty program, I was paying $80/month before a single card was swiped. ClickWerxs includes all of that in Command Center for free.”
Sarah M.
Bakery & Cafe, Nashville TN
Frequently Asked Questions: ClickWerxs vs Clover
Paying Too Much for Clover? See What You'd Save.
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