Punch in your average ticket and monthly transactions. See your true Clover bill, line by line, next to what you'd pay with Payla.
Calculations based on Clover's published 2.3% + $0.10 retail rate and standard software plans. Your actual Clover bill is often higher once add-ons, app revenue share, and Rapid Deposit fees are factored in.
Payla gives you POS, invoicing, payroll, payables, an AI voice receptionist, and a customer portal — for a flat monthly fee. No rake. No marketplace tax. No hardware lock-in.
Try Payla free → See what's includedClover side: 2.3% + $0.10 per transaction is Clover's standard published in-person retail rate. Software plans are Clover's published 2024-2025 US pricing (Canadian pricing is comparable). Hardware is amortized straight-line over 36 months. We do NOT include the 20-30% App Marketplace cut, 1.75% Rapid Deposit fee, or Clover Capital skim — these are listed in "hidden costs" since they're optional.
Payla side: $49/mo flat subscription is our starter plan; we never charge per-transaction or per-employee. Stripe processing is Canadian Visa/MC/Amex at 1.9% + 30¢ (Stripe's published Canadian rate). Stripe interchange-plus available for higher volumes (typically saves another 10-30 bps).
— PCI compliance fees ($10-15/mo charged by most resellers), monthly minimums, statement fees, chargeback fees, and the App Marketplace tax. Most merchants underestimate Clover by 15-25% because of these.
— Tax compliance, payroll runs, accountants. Payla includes payroll for Canadian employees; Clover does not — that's a separate $79+/mo add-on through Gusto or ADP.
— AI voice receptionist included free with Payla; Clover's nearest equivalent is the Services Growth Plan at $84.95/mo for calendars + staff (no AI).