30% avg. savings, guaranteed!
Typically sub-2%, risk free

  • Free Clover Station: $1,299 value*
  • Free Clover Flex or Mini: $599 value*
  • Eliminate your processing fees with
    our Cash Discount Program, pay 0%!

Over 100,000 Merchants

Businesses of all sizes trust
Low Merchant Rates.

Find the right processing solutions for your business.

Clover Station

  • Enterprise-level POS system
    Take online and phone orders with contactless and digital wallet payments. Accept payments, manage your team, grow your client base & more with Clover®. Fast chip card processing. Secure and reliable.
  • Over 400 apps in Clover App Market
  • 2 HD displays, drawer, printer
  • FREE placement: $1,299 value*

Clover Mini

  • Full POS in a compact device
    Take online and phone orders with contactless and digital wallet payments. Accept payments, manage your team, grow your client base & more with Clover®. Fast chip card processing. Secure and reliable.
  • Over 400 apps in App Market
  • Built-in printer & barcode scanner
  • FREE placement: $599 value*

Clover Flex

  • Full POS in a handheld device
    Take online and phone orders with contactless and digital wallet payments. Accept payments, manage your team, grow your client base & more with Clover®. Fast chip card processing. Secure and reliable.
  • Over 400 apps in App Market
  • Built-in printer & barcode scanner
  • FREE placement: $399 value*

Credit Card Terminal

  • Feature-rich processing terminal
  • Accept chip cards & Apple Pay
  • Wireless & WiFi options
  • FREE placement: $199 value*

Mobile Card Reader

  • Accept cards on your phone
  • Easy-to-use app
  • Send receipts via text or email
  • FREE placement: $85 value*

Online Processing

  • Accept cards on your computer
  • Send invoices & process checks
  • Easily process recurring payments
  • FREE Gateway setup*

Unique value we provide.

Unique value we provide.

  • Cash Discount Program
  • Free Clover Placements
  • No Setup Fee
  • No Cancellation Fee
  • Same-Day Setup
  • Next-Day Payments
  • Live Customer Support 24/7

Our pricing and competitor comparison.

Forget the fine print and hidden fees. At Low Merchant Rates, we’re here to help you do more with your money.

Low Merchant Rates
Square
Stripe
Live 24/7 Phone Support
Yes
Limited
Limited
Cash Discount Pricing
Yes
No
No
Tiered and Interchange Pricing
Yes
No
No
Free Clover Placement Program
Yes
No
No
Free Chip Card Terminal
Yes
No
No
Free Mobile Card Reader
Yes
Yes
No
Free Shipping
Yes
Yes
No
Cancellation Fee
No
No
No

Apps to power your business.

The Clover App Market offers a library of over 400 apps containing some of the most powerful tools and technology available. From payroll automation and inventory management to industry insights and customer loyalty programs, you’ll have the resources you need to take your POS—and your business—to the next level.

How does it work?

As your merchant services broker, we make the process of accepting payments at your business simple, secure, and cost-effective, all in just five easy steps:

Fill out our 2hr turnaround pricing application, or give us a call.

A short online form is preferred for immediate attention and a 2hr turnaround quote window, but calls are also welcome! Our sales specialists are standing by from 9 a.m. to 6 p.m. EST Monday – Friday, and our customer service team is available 24/7.

Review the best options for your business.

One of our sales specialists will speak with you to learn more about your business, go over pricing, and review equipment options.

Submit your application for approval.

Our application takes about 5 minutes to complete. Apply here, get approved today!

Receive your equipment and begin training.

An account manager will call you after your equipment has been delivered to provide any training needed and answer any questions.

Call us anytime for help.

Our customer service department is open 24/7 to help. Call us anytime for assistance. (650) 429-8520

Pay 0% processing rates with our Cash Discount Program

Adjust the calculator to see your Monthly Savings. Cash Discounting passes the cost of accepting credit cards to your customer. This type of processing is becoming the most popular form of payment acceptance today.

Monthly Savings *
$0

Slide the meter to input your average monthly credit card sales.

*This is an estimate based on Square’s pricing of 2.60% + $0.10 for a swiped sale and 3.5%+ 0.15 for a keyed sale. The model assumes 10 transactions per day with swiping ¾ of sales and keying ¼ of sales.

Choose the best option for your business.

Whether you’re selling in-person or online, we have payment processing solutions that meet the needs of your business and your customers.