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## Popular FAQs

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# Merchant Services Fees

## Competitive pricing for businesses of all sizes

We're here to help you focus on growing your business with clear, upfront pricing.

Call 866-380-9828 to get started.

## Monthly cost overview

###

Your total costs in any given month consist of your transaction processing, services, and software costs.

##### *This chart is for illustrative purposes only. Actual costs and distribution depends on your specific usage.

Transaction processing Transaction processing

## Dynamic pricing built for growth

Higher processing volume unlocks lower rates

With our dynamic pricing, as your monthly sales reach the minimum for a lower rate, we automatically adjust it for the month—no action needed from you. Your pricing will depend on the volume processed each month and how the payments are accepted.
$0 - $39,999.99
Per tap, dip, or swipe: 2.60% + $0.15
Per online or keyed in: 3.50% + $0.15
$40,000 - $79,999.99
Per tap, dip, or swipe: 2.50% + $0.15
Per online or keyed in: 3.40% + $0.15
$80,000 and up
Per tap, dip, or swipe: 2.40% + $0.15
Per online or keyed in: 3.30% + $0.15

You can predict your monthly payments and will benefit from easy-to-understand statements. Plus, we don't charge extra fees for downgrades, chargebacks, voice authorization, or foreign transactions.

You may be eligible for custom pricing. Contact us at 866-380-9828 Monday through Friday, 6 a.m. to 5 p.m. Pacific Time, or request a call.

Services Services

## Monthly Services

Enjoy no application fees, no monthly minimums, and no early termination fees

Merchant account fee: $9.95 per month, per merchant ID (MID) (typically one per merchant location)

The monthly fee includes:

- Reporting and analytics to track sales and costs
- Advanced fraud protection and real-time risk evaluation
- Tools to manage disputes and chargebacks
- 24/7 U.S.-based support

We have options for other e-commerce or non-WF solutions, please consult a Merchant Services consultant.

PCI Compliance Program fee: $10.00 per month, per merchant ID

PCI compliance is required by card networks. The program includes:

- Adherence to card network compliance requirements
- Access to a variety of web security tools
- $100,000 in breach insurance coverage
- A web portal and data depository for sorting PCI-related information

Software Software

## Plans built for businesses

From basic to advanced—the choice is yours

All software plans include access to the Clover platform with business management tools like sales reporting and employee management. Each plan also supports card payments on your device or on the web with connectivity to e-commerce platforms, invoicing, a virtual terminal, and more.

Select from a range of plans from basic to industry-specific software designed for restaurants, service providers, and retail businesses. These advanced plans offer enhanced features such as:

- Extensive business management tools
- Branded website builder
- Robust menu, appointment, or inventory capabilities
- Free App marketplace access, and more

Available plans vary based on Clover device.

Transaction processing

## Dynamic pricing built for growth

Higher processing volume unlocks lower rates

With our dynamic pricing, as your monthly sales reach the minimum for a lower rate, we automatically adjust it for the month—no action needed from you. Your pricing will depend on the volume processed each month and how the payments are accepted.
$0 - $39,999.99
Per tap, dip, or swipe: 2.60% + $0.15
Per online or keyed in: 3.50% + $0.15
$40,000 - $79,999.99
Per tap, dip, or swipe: 2.50% + $0.15
Per online or keyed in: 3.40% + $0.15
$80,000 and up
Per tap, dip, or swipe: 2.40% + $0.15
Per online or keyed in: 3.30% + $0.15

You can predict your monthly payments and will benefit from easy-to-understand statements. Plus, we don't charge extra fees for downgrades, chargebacks, voice authorization, or foreign transactions.

You may be eligible for custom pricing. Contact us at 866-380-9828 Monday through Friday, 6 a.m. to 5 p.m. Pacific Time, or request a call.

Services

## Monthly Services

Enjoy no application fees, no monthly minimums, and no early termination fees

Merchant account fee: $9.95 per month, per merchant ID (MID) (typically one per merchant location)

The monthly fee includes:

- Reporting and analytics to track sales and costs
- Advanced fraud protection and real-time risk evaluation
- Tools to manage disputes and chargebacks
- 24/7 U.S.-based support

We have options for other e-commerce or non-WF solutions, please consult a Merchant Services consultant.

PCI Compliance Program fee: $10.00 per month, per merchant ID

PCI compliance is required by card networks. The program includes:

- Adherence to card network compliance requirements
- Access to a variety of web security tools
- $100,000 in breach insurance coverage
- A web portal and data depository for sorting PCI-related information

Software

## Plans built for businesses

From basic to advanced—the choice is yours

All software plans include access to the Clover platform with business management tools like sales reporting and employee management. Each plan also supports card payments on your device or on the web with connectivity to e-commerce platforms, invoicing, a virtual terminal, and more.

Select from a range of plans from basic to industry-specific software designed for restaurants, service providers, and retail businesses. These advanced plans offer enhanced features such as:

- Extensive business management tools
- Branded website builder
- Robust menu, appointment, or inventory capabilities
- Free App marketplace access, and more

Available plans vary based on Clover device.

## Explore point-of-sale hardware

View options

‍

## FAQs

What are transaction processing fees? What are transaction processing fees?

These are the costs a business incurs when processing customer transactions through credit cards, debit cards, and other electronic payment methods. Sometimes referred to as merchant fees, these fees cover various expenses including transaction processing through the card networks, security measures, and fraud prevention.

Why is it more expensive to process online and keyed-in payments? Why is it more expensive to process online and keyed-in payments?

Processing card-not-present (CNP) payments typically involve higher costs due to an increased risk of fraud and chargeback liability. In card-present transactions, both the cardholder and card are physically present, while CNP transactions rely on transmitting card information online. This difference contributes to a greater potential for unauthorized use. Card networks and processors generally apply higher interchange fees to CNP transactions to account for these risks.

Is point-of-sale hardware included in this pricing? Is point-of-sale hardware included in this pricing?

No. Point-of-sale hardware devices can be purchased for a one-time cost. You can add hardware at any time.

We offer a range of Clover point-of-sale devices to support your business, though hardware is optional. By choosing a Clover solution, your merchant account fee covers access to the Clover Gateway, allowing you to process card payments via invoice, recurring billing, online, or through a virtual terminal—all without hardware. Plus, the Clover dashboard offers sales analytics along with features for managing customers and employees.

Are any other costs to consider? Are any other costs to consider?

You can choose from a variety of Clover software plans from $0, for entry-level payment processing, to advanced plans designed for restaurants, service, and retail businesses that unlock robust features that help streamline business operations.

There are many value-added services and apps from the Clover App Market, to customize your solution - from employee payroll, customer loyalty programs, and more to help you manage business operations and grow.

Can I get a detailed breakdown of costs before signing up? Can I get a detailed breakdown of costs before signing up?

Yes. We can provide a customized quote and fee breakdown tailored to your business needs. Please reach out to a Merchant Services consultant at 866-380-9828.

How was your experience? Give us feedback.

Clover software plans vary by solution and are billed directly to the merchant by Clover. Each Clover account supports only one software plan across all devices. Additional hardware or accessories may incur separate fees. Clover software, including applications and third-party offerings available through Clover or the Clover App Market, are subject to the respective developer's terms, and may include additional fees. All fees are subject to change. Existing merchants can view their current software plan and pricing through the Clover dashboard.

Clover solutions are offered by WF Bank, N.A., which does not provide, and is not responsible for, third-party software or applications, including those offered by Clover.

If you accept payments using equipment or a gateway that you did not receive from WF, the online or keyed rates and fees may apply to tap, dip, and swipe transactions.

There is no early termination fee or long-term commitment for card processing services.

PCI non-compliance fees apply. This fee amount applies for Level 3 and Level 4 merchants with 1-25 MIDs only. If you have more than 25 MIDs, contact your Merchant Services consultant for more details on this fee.

Merchant Services are provided by WF Bank, N.A.

When you use a WF Bank deposit account for settlement or other Merchant Services purposes, you must use a WF Bank business or commercial deposit account. Deposit products offered by WF Bank, N.A. Member FDIC. Merchant Services are subject to application, credit review of the business and its owners, and approval.

The Clover name and logo are registered trademarks owned by Clover Network, LLC, and are registered or used in the U.S. or many foreign countries.

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