How to Enable a Credit-Card Surcharge or Cash Discount in Clover (2026)
Clover (Fiserv) supports surcharge and cash-discount programs through its app marketplace and settings. What Clover automates, what your state still requires, and the setup pattern.
Last verified: 2026-08 · Educational reference, not legal advice
The setup is typically done through a surcharge/cash-discount app in the Clover App Market or the device settings. Verify the current menu in Clover’s help center — labels shift between firmware versions.
What Clover handles for you
Clover surcharge apps generally apply the fee at the terminal, cap it at the network maximum, and exclude debit cards. Cash-discount apps instead post a higher card price and a lower cash price. Some configurations auto-populate the receipt surcharge line.
What you still must do
- Confirm your state’s surcharge status with the per-state tool — banned in CT, MA, PR; contested in CA, TX, ME; restricted in 7 states.
- Install/enable the surcharge or cash-discount app from the Clover App Market and set the percentage (cap at the lower of 3% Visa / 4% Mastercard or your actual cost).
- Give your acquirer / networks about 30 days’ notice before activating.
- Post entrance and checkout signage, and confirm the printed receipt shows the surcharge as a separate line.
- Run a test sale and inspect the receipt before going live.
A Clover app that "supports surcharging" is not a legal clearance. In banned or contested states, switch the app to cash-discount mode or disable surcharging.
Verify your state first.Check your state’s verdict →
Related guides
Frequently asked questions
Most Clover surcharge apps are designed to exclude debit cards to comply with the Durbin Amendment, but you should confirm the setting and test a debit-as-credit transaction before relying on it.
Yes. Clover supports cash-discount / dual-price apps, which are legal in every state and avoid the contested-state risk.
Yes, you set the percentage, but it must stay at or below the lower of your actual processing cost or the network ceiling (3% Visa / 4% Mastercard).
Educational content, not legal advice. Cashbizly is an independent educational resource. Nothing here is personalized legal advice and it does not replace a licensed attorney or your state’s Attorney General.
Our state-by-state status reflects the consensus of published 2025–2026 compliance guides (card-network rules, LawPay, Stax, NCSL) as of the “last verified” date on each page. Surcharge law changes frequently and is actively litigated — always confirm current figures with your state Attorney General or a professional. Read our full disclaimer.