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Why Is Clover Charging Me Extra Fees?

Unexpected fees can seriously hurt your business margins. You deserve to know exactly what you're being charged for and why. Let's investigate these charges together.

Quick Fixes to Try Right Now

1

Review Your Monthly Statement

Download your statement from the Clover Dashboard. Look for line items labeled 'regulatory fee,' 'PCI compliance,' or 'service charges.'

2

Check for Rate Increases

Compare current rates to your original contract. Processors often increase rates after the initial promotional period ends.

3

Identify Non-Qualified Surcharges

Transactions that don't meet certain criteria get charged higher 'non-qualified' rates. Review which transactions triggered these fees.

4

Contact Your Processor

Call your payment processor (not Clover directly) to get an explanation of each fee. Request this in writing.

5

Request a Fee Audit

Ask for a complete breakdown of all fees. Many merchants discover they're being charged for services they don't use.

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.

Frequently Asked Questions

What are common hidden fees with Clover?
Common hidden fees include PCI compliance fees, statement fees, batch fees, regulatory fees, minimum processing fees, and annual fees.
Can I negotiate Clover fees?
Yes, many fees are negotiable, especially if you have high processing volume. Contact your processor and ask for a rate review.
Why did my Clover rates increase?
Rates often increase after promotional periods end, when card networks raise interchange fees, or when your processor adjusts pricing.
How do I dispute Clover charges?
Contact your payment processor in writing, reference your contract, and request a detailed explanation. You can also file a complaint with the BBB.