Gateway fees are one of those charges that seem like they should be included in your processing costs. Understanding what you're paying for can help you determine if you need this service and if you're being charged fairly.
A payment gateway securely transmits transaction data between your website/terminal and the processor. For online transactions, it's essential. For in-person only businesses, it may be unnecessary.
If you only process in-person transactions on your Clover terminal, you may not need a separate gateway. The gateway is typically for e-commerce, invoicing, or integrations.
Gateway fees range from $0-50/month plus per-transaction fees. Compare your current costs with alternatives. Some processors include gateway access at no additional charge.
If you need gateway access, negotiate to have the fee reduced or bundled with other services. High-volume merchants can often get gateway fees waived entirely.
| 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 |
Get business funding up to $500,000 with your own dedicated rep - this is their direct line, not a call center.