# Paydude vs Clover: Fee Calculator

URL: https://www.paydude.io/resources/tools/paydude-vs-clover-fee-calculator
Type: Free interactive calculator
Summary: Compare Clover's published rate against Paydude tier pricing at your own volume and average transaction size.

Both sliders matter. Volume decides which Paydude tier applies; ticket size decides how much the fixed per-transaction fee costs you, which is where Clover and Paydude differ most.

## Summary

Clover publishes 3.5% + 10¢ for domestic cards. Paydude starts at 2.6% + 25¢ and improves automatically with volume. Clover is a point-of-sale platform, and its card-present rates are competitive. Compare on effective rate at your own ticket size, not on headline percentages.

## Published rates

**Standard published rates for domestic cards, September 2026**

|  | Paydude | Clover |
| --- | --- | --- |
| Card rate | 2.6% (falling to 2.5%) | 3.5% |
| Fixed fee | 25¢ (falling to 15¢) | 10¢ |
| Monthly fee | $0 | $0 |
| Subscriptions | No extra percentage | Priced separately |
| International cards | No surcharge | Surcharged |
| Amex and premium cards | +0.3% | Passed through |
| Chargeback fee | $12 | $15–$25 typical |

> **Verify before deciding:** These are published list prices as of September 2026. Rates change, and Clover may quote you something different. If you already process payments, your own statement is a better source than any published figure.

## Where Clover wins

Most of your volume happens across a counter. Clover gives you hardware, a register and card-present pricing that Paydude does not offer at all.

## Where Paydude wins

Online and card-not-present volume, where Clover's 3.5% keyed rate is well above a published 2.6%.

Card mix changes this comparison more than the headline rate does. The [overpayment calculator](https://www.paydude.io/resources/tools/how-much-are-you-overpaying-calculator) models Amex, premium and international share, and reports the point at which Paydude stops being cheaper.

**See the full rate card** Every tier and every situational fee, published up front. — [View pricing](https://www.paydude.io/pricing)

## Frequently asked questions

### Is Paydude cheaper than Clover?

On published base rates for domestic cards, Paydude starts at 2.6% + 25¢ against Clover's 3.5% + 10¢. Whether that is cheaper for you depends on card mix: Paydude surcharges Amex and premium cards at +0.3% but does not surcharge international cards, where most providers add 1–1.5%.

### When should I choose Clover?

Most of your volume happens across a counter. Clover gives you hardware, a register and card-present pricing that Paydude does not offer at all.

### Can I switch from Clover to Paydude?

Switching means migrating stored payment tokens, which are specific to the provider that issued them. Most major providers will run a PCI-compliant migration of the underlying card data. Confirm that path exists before committing — it is the main technical obstacle to any processor change.

### Where do these rates come from?

Both figures are publicly published standard rates for domestic card payments as of September 2026. Neither is a negotiated or promotional rate, and Clover may quote you something different from its list price.