How to Get Your Clover Annual Fee Waived: Complete Guide

Annual fees can feel like a penalty for being a loyal customer. The good news is that these fees are often negotiable, especially if you know the right approach. Many merchants successfully get annual fees waived every year.

Quick Fixes to Try Right Now

Time Your Request Strategically

Call 1-2 months before your annual fee is due. Processors are more willing to waive fees to prevent you from switching than to refund fees already charged.

Prepare Your Talking Points

Note your processing volume, how long you've been a customer, and your payment history. High-volume, long-term customers with no chargebacks have the most leverage.

Ask for the Retention Department

Don't waste time with regular customer service. Ask to speak with the retention or loyalty department. These representatives have authority to waive fees.

Be Prepared to Walk Away

Have a competitor quote ready. If they won't waive the fee, state you'll be switching. Often this triggers a supervisor review and approval.

Still Having Issues? Compare Your Options

Feature	Clover	CapClover
Customer Support	✗ Long hold times, unresponsive	✓ Your assigned rep's direct line
Business Funding	✗ Limited or no options	✓ Up to $500,000
Approval Time	✗ Weeks or denied	✓ Same-day decisions
Hidden Fees	✗ Frequently reported	✓ Transparent pricing
Contract Terms	✗ Early termination fees	✓ Flexible terms

Tired of Clover Headaches?

Get business funding up to $500,000 with your own dedicated rep - this is their direct line, not a call center.

Call Now: (971) 408-0163 Pre-Qualify Online

Frequently Asked Questions

What is the Clover annual fee?

The Clover annual fee (also called membership fee or account fee) typically ranges from $79-199/year depending on your processor and plan. It's separate from monthly subscription and processing fees.

Can everyone get the annual fee waived?

While not guaranteed, many merchants successfully negotiate annual fee waivers. Your chances are higher if you: process significant volume, have been a customer for 1+ years, have a clean payment history, and ask the right way.

When is the best time to ask for a fee waiver?

The best time is 1-2 months before your annual fee is scheduled to bill. This gives you leverage and time to switch if they refuse. Asking after the fee is charged is less effective.

What if they refuse to waive the annual fee?

If they refuse, ask for a reduced fee, request other concessions (lower rates, waived monthly fees), or follow through on switching. Sometimes a 'final offer' appears after you submit a cancellation request.