Capvera Payments & the Clover catalog
Clover is not an upsell. It is the rails that clean the file, unlock 0% processing and the 50% residual, and keep the merchant fundable long after the first advance. This is the full January 2026 catalog — every lease cap, every plan, and the clawback rules you are expected to explain.
The offer
What the merchant actually gets
0% processing
On Visa, Mastercard and Amex — depending on approval and volume.
50% residual
Half the processing residual goes back to the merchant, every month.
Hardware + SaaS
Every device priced by lease term, plus six Clover SaaS service plans.
Back-office tools
Reporting and management built into the install, not sold as an extra.
Why this matters on a build
Every dollar that runs through Clover lands on the statement as clean, on-rail revenue. That is what turns a build file into a fund file — and what keeps it fundable on the second and third round.
Clover Duo 2 Bundle
Dual-screen counter POS · 4G capable · priced by lease term
24 months
$218.00
/ month
36 months
$129.00
/ month
48 months
$225.00
/ month
Most expensive term — do not quote this as the price
Read this before you quote it
The Duo 2 is $218 at 24 months and $129 at 36 months — but $225 at 48 months. The longest term is the most expensive, which is the opposite of how most merchants expect leasing to work. If you quote "$225" without naming the term, you are quoting the worst number on the sheet.
Hardware
Every device is priced by lease term
There is no single price for anything on this sheet. Every device has three numbers — 24, 36 and 48 month lease caps. Learn to read the row, because quoting one number without naming the term is how you get caught out.
Clover Flex 4 Terminal
Handheld with built-in printer. The default for tableside, delivery and mobile checkout.
24 MO
$126.50
36 MO
$103.50
48 MO
$80.50
Clover Flex Gen 4 Pocket
Lightweight handheld, printerless. For merchants who take payment but never print.
24 MO
$126.50
36 MO
$103.50
48 MO
$80.50
Clover Compact
Countertop keypad terminal. Wi-Fi / Ethernet — the no-frills counter workhorse.
24 MO
$85.00
36 MO
$76.00
48 MO
$63.00
Clover Mini 3
All-in-one countertop with built-in printer. Note the pricing curve on this one.
24 MO
$30.00
36 MO
$129.95
48 MO
$115.00
Clover Mini 4G LTE
Compact Mini with a cellular connection — for merchants whose counter has no reliable line.
24 MO
$82.95
36 MO
$108.10
48 MO
$129.95
Clover Station Bundle
14" merchant display. The full countertop station for retail and restaurants.
24 MO
$200.10
36 MO
$184.00
48 MO
$195.00
Clover Duo 2 Bundle
Dual-screen counter POS, 4G capable. The bundle covered in detail above.
24 MO
$218.00
36 MO
$129.00
48 MO
$225.00
Clover Kiosk Mini Terminal
Self-order payment module for quick-service counters and any high-throughput front end.
24 MO
$166.00
36 MO
$138.00
48 MO
$103.00
Clover Kitchen Display 14"
KDS for expo and line — tickets routed straight to the kitchen instead of printed.
24 MO
$100.00
36 MO
$83.00
48 MO
$62.00
Clover Kitchen Display 24"
The large-format kitchen display, for busy lines that need to read across the room.
24 MO
$113.00
36 MO
$94.00
48 MO
$70.00
Kits, peripherals and stands — printers, cash drawers, scanners, scales, mounts and contactless readers — are on the full sheet. Open the catalog to price anything not listed above.
SaaS tiers
Four tiers, matched to the business
Sell the tier that fits the merchant's operation — not the most expensive one. A merchant who outgrows their plan is a conversation; one who was oversold is a cancellation.
Starter
$0first device · +$11.95 each extra
Payments-only merchants. Swipe, tap, dip plus virtual terminal, invoicing, recurring and cash discount. Limited App Market access.
+$19.95 if third-party apps are used
Essentials
$29.95first device · +$11.95 each extra
Cash-register replacement. Everything in Starter plus simple inventory, item orders, tips, taxes, loyalty and gift cards. Runs on Go, Flex, Mini and Station.
Retail Growth
$84.95first device · +$19.95 each extra
Stores and product sellers. Full inventory with variants and cost, weight-scale support, exchanges, online store and the full App Market.
Services Growth
$84.95first device · +$19.95 each extra
Salons, shops, appointments. Everything in Essentials plus a service catalog, scheduling, online booking, reminders and no-show fees.
Restaurant Growth
$89.95first device · +$19.95 each extra
Counter and table service. Tables, tabs, coursing and modifiers, online ordering and delivery apps, bill split and tableside pay.
KDS $25 · Kiosk $34.95 per device
Healthcare
$0first device · +$11.95 each extra
Healthcare MCC only. Payments on Compact, Flex and Mini with a HIPAA-oriented boarding path and no full retail inventory stack.
Confirm MCC before quoting
Billed by Clover through the App Market. Pricing from the August 2025 SaaS matrix. Processing rates are separate from plan fees.
ServicePro 911
An App Market add-on for field and home-service companies — dispatch, estimates, service agreements, invoicing and job tracking on Mini, Flex and Station. It is not a Clover SaaS tier and it is billed separately.
Quote the App Market price at boarding — package rates come from ServicePro directly.
Pair it with Services Growth when the merchant also needs Clover appointments and online booking.
Who you are actually dealing with
Clover
The hardware and the App Market — devices, peripherals and stands.
Lesser Private Client Leasing
The leasing side. Billing schedule and the clawback terms live here, not with Clover.
Lease caps in this catalog are internal rates — not advertised consumer pricing. Never present them as published retail prices.
Leasing terms
Billing schedule & clawback rules
This is the part merchants get surprised by, and the part that becomes your problem if you did not explain it. Know both before you write a lease.
Billing schedule
- Charges are billed on the 5th and the 15th of each month.
- No payments are collected during the first 30 days.
- After the initial 30-day period, billing is based on the date the lease started.
- The first billing cycle covers one full month plus a prorated amount for the partial first month.
The headline
The merchant pays nothing for the first 30 days, and the first cycle is a full month plus a prorated partial. Say that out loud on the call — nobody likes discovering a prorated first bill.
Clawback rules
Clawback applies for fraud or misrepresentation
It can be triggered at any point up to lease end — not just in the first few months.
Capvera runs an internal welcome call on every new lease
This is part of the process, and it is also your protection. The call is what documents that the merchant understood what they signed.
Zero clawback if the merchant makes 90 days of on-time payments
Ninety days of clean payments clears the clawback. That is the target, and it starts the day the lease goes live.
Before you present anything
Confirm current billing dates, prorate calculations, the welcome-call process and the clawback terms with Lesser Private Client Leasing. Verify before finalizing — not after.