As a business owner, you have rights that merchant services companies must respect. Too often, merchants don't know their rights and accept unfair treatment. Knowledge is power - let's make sure you know where you stand.
You have the right to review your complete agreement. Request a copy if you don't have one - every term should be documented.
Payment processors must disclose fees. If you're seeing charges you don't understand, demand itemized explanations in writing.
Review early termination terms carefully. Some states limit ETF enforceability. Understand what you'd owe if you need to leave.
Keep records of all interactions with Clover. These records protect you if disputes arise about what was promised.
| 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.
You have rights to clear fee disclosure, proper notice of changes, access to your contract terms, and dispute resolution. Specific rights depend on your state and contract.
Most contracts allow rate changes with notice (typically 30 days). However, they must provide that notice. Surprise increases may be challengeable.
Document the violation, complain formally in writing, file with the FTC and state AG, and consult an attorney if damages are significant.
Protections vary by state. Some states regulate merchant agreements more strictly. Federal laws provide some disclosure requirements but limited direct protections.