Clover pricing
What does Clover cost?
What Clover POS costs: the devices, the monthly Clover plan, card processing and setup, and what a Stratamize quote puts in front of you before you sign.
Cash discount program
Cash discount on Clover: 3.5% off for cash
Your posted price is the card price. Customers who pay cash at your counter get 3.5% off, and the discount shows on their receipt. Nothing is ever added for paying by card.
Two-minute request. Our team in Newnan follows up.
Registered ISO · Office in Newnan, Georgia · Serving businesses nationwide
How it works
One posted price, two receipts
You set one posted price on your menu, shelf tags and register. That is what card customers pay, whether they use credit or debit. A customer who pays cash gets 3.5% off, and the discount shows as its own line on their receipt.
Most owners raise their posted prices slightly when they start, so a cash customer pays what they paid before and a card customer pays the posted price. You always set your prices; we show you the math.
- Posted price
- $10.36
- Total
- $10.36
- Posted price
- $10.36
- 3.5% off for cash
- −$0.36
- Total
- $10.00
A $10.00 item posted at $10.36: cash customers keep paying $10.00. Sales tax left off to keep the example simple.
Set up 3.5% off for cash on your Clover
We set up the program with your Clover, including the signs and the staff sentence, and test it with you before your first day.
- Send a two-minute requestWhat you need is already selected.
- Confirm your emailThen finish a short checklist.
- Get approvedUnderwriting reviews it and we keep you posted.
- Get set upWe install your Clover, test it and train your staff.
Price math
Keep your cash price where it is today
To keep today's price as the cash price, divide it by 0.965. That raises the posted price by about 3.63%, slightly more than 3.5%, because the discount comes off the higher posted price.
| Today's price | New posted price (card) | Cash customer pays |
|---|---|---|
| $4.99 | $5.17 | $4.99 |
| $10.00 | $10.36 | $10.00 |
| $25.00 | $25.91 | $25.00 |
| $100.00 | $103.63 | $100.00 |
Some owners round to tidy prices instead. That is your choice, but it means cash customers pay a few cents more than before, and we will say so plainly.
Doing it right
What keeps a cash discount a discount
Always
- The posted price is the card price, everywhere prices appear: menus, shelves, your website, your Google listing and delivery apps
- The discount is for cash, it is the same for every customer, and it is on the sign
- Credit and debit customers pay the same posted price
- It applies to in-person sales only; website and phone orders pay the posted price
- We configure the program on your Clover; your staff never change payment settings
Never
- A shelf or menu price that is the cash price, with something added at the register
- Fee wording on a sign, a receipt or out loud: it is a discount for cash, and only that
- Charging debit customers more than the posted price
- Old, lower prices left on your website, Google listing or a delivery app
- Offering the discount to some cash customers and not others
Rollout
How we roll it out with you
Reprice once
Pick a clean start date. Menus, shelf tags, price lists and the register all show the card price, and so do your website, Google listing and delivery apps.
Signs and one sentence
Signs go up at your entrance and every register. Every employee learns one sentence: "Our prices are what you see posted. If you pay cash, you get 3.5% off."
Test and check back
We run a card sale, a debit sale and a cash sale on install day: the card receipts show no added line, and the cash receipt shows the discount. Then we check back with you after launch.
Why it is allowed
A discount for cash is protected by federal law
Federal law says a card issuer cannot stop a seller from offering a discount to customers who pay by cash or check, as long as the discount is offered to every customer and disclosed clearly. The details above are what keep the program inside those lines.
In Georgia, the Department of Revenue treats a cash discount the seller gives as outside the sales price, so tax is figured on the discounted price for cash sales. Confirm your own situation with your accountant. This page explains how the program works; it is not legal or tax advice.
FAQ
Questions owners ask
Do card customers pay more than the posted price?
No. The posted price is the card price, and credit and debit customers pay exactly that. Nothing is added at the register. Customers who pay cash in person get 3.5% off.
Will we lose customers?
Some customers will ask about it, and a few regulars may notice the new posted prices. With this program the price a customer sees is the price they pay by card, and cash gets a break. We give your staff one plain sentence to explain it.
Does the discount apply to tips?
No. The discount applies to what you sell. Tips are the customer's choice and are not discounted.
Can we use it for website or phone orders?
No. The cash discount is for in-person sales, where a customer can actually pay cash. Website and phone orders pay the posted price.
Which Clover devices support it?
We set up the program on every Clover device we sell, from the Compact and the Mini to the Station Duo, Flex and Go.
Do we need special signs?
Yes. Signs at your entrance and at every register tell customers that posted prices are the regular prices and that cash gets 3.5% off. We provide the signage; please do not write your own.
Sources
Get your Clover set up right.
Tell us about your counter, and we will set up your Clover and the 3.5% off for cash program with you. Our team is based in Newnan, Georgia, and we work with businesses nationwide.
Get Clover pricingCall (770) 629-0928
Approvals usually come back within hours, three days at most.
Book a call with our team- Call our team: (770) 629-0928
- Registered ISO; every account is subject to underwriting approval
- Based in Newnan, Georgia, serving merchants nationwide
- Card details go on the processor’s secure hosted forms; we never handle them