Nothing stings like unexpected fees eating into your hard-earned profits. Phoenix merchants are discovering charges they never agreed to—PCI fees, statement fees, and rate increases buried in the fine print.
Review the last 3 months of statements line by line. Note any fees you don't recognize or didn't expect.
Find your original agreement and compare quoted rates to actual charges. Note any terms about rate increases.
Call Clover and ask for a detailed breakdown of every fee. Get it in writing. Some fees can be negotiated or removed.
Add up all fees (not just processing rate) and calculate your effective rate. Many Phoenix merchants find they're paying 4-5% when they were quoted 2.9%.
Get quotes from other processors. Transparent pricing exists—you don't have to accept hidden fees as normal.
| 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.