Pricing · For Dental

Two pricing programs.
One predictable bill.

Pick how you want the per-transaction math to work: a Cash Discount program where card payers cover processing, or a Flat Rate at 2.3% + $0.10 per transaction. Same Clover hardware, same dashboard, no long-term contract either way.

Cash Discount 2.3% + $0.10 Flat No Long-Term Contract Free Statement Review
See programs
Pricing Menu
Cash Discount
Program 01
Virtually 0%processing
Listed prices include a small inventory adjustment that covers card processing. Cash payers receive a discount equal to that adjustment at checkout.
Flat Rate
Program 02
2.3%+ $0.10 / auth
Same rate for every card, every transaction. No separate monthly base.
No long-term contracts
No “program” or hidden fees
Every other fee disclosed below
Scroll
Choose Your Program

Two ways to pay for processing

Same Clover devices, same software plans, same cloud dashboard. The difference is whether your card payers cover processing or whether you absorb a flat rate on every transaction.

Most popular

Cash Discount

Card payers cover processing

Effective rate to practice Virtually 0%
Discount offered to cash payers ~4% at checkout

Your listed prices include a small inventory adjustment (typically ~4%) that covers card processing. Patients paying with cash receive a discount equal to that adjustment at checkout — so cash payers pay the un-adjusted price, card payers cover processing through the listed price, and the practice nets roughly the same amount per visit either way.

  • Compliant in all 50 states (positioned as a discount, never a surcharge)
  • Built-in price display and disclosure prompts on Clover devices
  • Most patients keep paying with card — the workflow stays familiar
  • Visa, Mastercard, Amex, Discover, Apple Pay, Google Pay
Get Started

Flat Rate

One rate. Every card. Every transaction.

Monthly base Virtually $0
Per transaction 2.3% + $0.10/auth

The same rate for swipe, chip, tap, or keyed. The same for credit and debit. No qualifying tiers, no surprise reclassifications — the rate you see is the rate you pay.

  • Predictable monthly bill, no matter the card mix
  • Same rate for in-person, keyed, and Virtual Terminal transactions
  • Next-day funding on settled batches
  • Visa, Mastercard, Amex, Discover, Apple Pay, Google Pay
Get Started
Why Dental Practices Choose Us

Built for the way you actually run

Fast deposits, real human support, no long-term contracts, and pricing you can explain to your team in one sentence.

Next-day funding

Settled batches land in your operating account the next business day. Your practice cash flow stays predictable.

Real human support

When something matters at the counter, you get help quickly — not an endless ticket loop or a chatbot.

No long-term lock-in

We earn your business every month. Simple onboarding, switch programs as your practice grows.

Clean statements

Every fee is disclosed below. No “program” charges, no “regulatory recovery” lines, no junk fees.

How Each One Works

The math behind each program

Same hardware, same dashboard, same patient experience — only the per-transaction structure changes.

Program 01

How Cash Discount works

Your listed prices include a small inventory adjustment that covers the cost of card processing. Patients paying with card pay the listed price. Patients paying with cash receive a discount equal to that adjustment, so they pay the un-adjusted price. The Clover device handles the display and disclosure automatically.

Base service price $245.00
+ Inventory adjustment(~4% to cover processing) + $9.80
Listed price (card price) $254.80
Cash payer(adjustment refunded at checkout) $245.00
Practice nets either way ~$245

The cost of card processing is built into your pricing structure, not deducted from your margin. The practice nets roughly the same amount per visit whether the patient pays with cash or card — and your effective processing rate is virtually 0%.

Program 02

How Flat Rate works

You pay a flat 2.3% + $0.10 per authorization, regardless of card type. No qualified vs. non-qualified buckets, no rewards-card surcharges, no quarterly statement renegotiations. The rate is the same the first day and the last day of the month.

Visit total $245.00
Processing(2.3% + $0.10) $5.74
Practice nets per visit $239.26

Predictable. The same rate runs for swipe, chip, tap, keyed, and Virtual Terminal — so your monthly bill scales linearly with your volume.

Free statement review

Send us your last processing statement and we'll show you exactly what you're paying today — line by line — vs. what you'd pay on Cash Discount and on Flat Rate. No commitment.

Get a review
Full Disclosure

Every line item, up front

The headline rates above and every other fee that could appear on your statement — side by side for both programs.

Cost
Cash Discount
Flat Rate
Monthly base
Program-funded
Virtually $0
Effective rate to practice
Virtually 0%
2.3% + $0.10 / auth
AVS (keyed sales)
$0.05 / trans
$0.05 / trans
Batch fee
$0.10 / batch
$0.10 / batch
Retrieval
$25 / instance
$25 / instance
Chargeback
$25 / instance
$25 / instance
Voice authorization
$2.00 / instance
$2.00 / instance
Account closure
$50 / location
$50 / location
PIN debit (if applicable)
Pass-through ($48/yr)
Pass-through ($48/yr)
ACH reject
$30 / instance
$30 / instance
Wireless service (if applicable)
$17 / mo
$17 / mo
Clover Go mobile (if applicable)
$10 / mo
$10 / mo
PCI non-compliance (if applicable)
$49.95 / mo
$49.95 / mo

PCI non-compliance fees only apply if your practice doesn't complete the annual PCI self-assessment. We help you complete it during onboarding — most practices never see this fee.

FAQs

Questions about pricing

What's the difference between Cash Discount and Flat Rate?›

With Cash Discount, your listed prices include a small inventory adjustment (typically ~4%) that covers card processing. Patients paying with card pay the listed price; patients paying with cash receive a discount equal to that adjustment at checkout. The practice nets roughly the same amount per visit either way — and your effective processing rate is virtually 0%.

With Flat Rate, you pay a flat 2.3% + $0.10 per transaction on every card sale, regardless of card type or how it's run. Your prices stay where they are today and your monthly bill scales predictably with your card volume.

Is Cash Discount legal in my state?›

Yes. Cash Discount is compliant in all 50 states. The key is that the program is positioned as a discount for paying with cash, not a surcharge for paying with card. The listed price is the card price, and cash payers receive a small discount at checkout.

Surcharge programs — where the card price is shown as an add-on above a cash baseline — are restricted in several states. We don't run surcharge programs.

How does Cash Discount work at the front desk?›

Your Clover device handles the disclosure automatically. When the patient checks out, the device displays the listed price for card payments and applies the discount if they choose to pay cash. Built-in signage covers the in-office disclosure requirement.

Your front-desk script stays simple: “That'll be $245, or $235 if you'd like to pay cash.” Most patients keep paying with card — the workflow doesn't change for them.

Will you review my current processing statement?›

Yes — complimentary, no commitment. Send us your most recent processing statement and we'll walk through it line by line: what you're actually paying today, where any hidden fees live, and what you'd pay under both Cash Discount and Flat Rate. You decide from there.

Are there contracts or cancellation penalties?›

No long-term contracts. We earn your business every month. The only fee tied to leaving is a one-time $50/location account closure cost — that's the actual processing-network fee for closing a merchant ID. It's disclosed in the table above.

Can I switch between programs later?›

Yes. If you start on Cash Discount and decide Flat Rate fits better — or vice versa — we can switch your account over. Same Clover hardware, same dashboard, same patient experience. Just a configuration change on our side.

What about monthly minimums or “program” fees?›

None. Your monthly base is $15. There are no minimums, no “regulatory recovery” fees, no “PCI program” fees, no “non-qualified surcharges.” Every fee that exists on your account is listed in the disclosure table above.

Will PracticePay change my pricing when it launches?›

No — your processing structure stays the same. PracticePay (launching 2026) adds patient-facing features like text-to-pay, recurring billing, and a branded portal on top of your existing Clover account. Your transactions continue to run on whichever program you're on. Any PracticePay subscription pricing will be disclosed separately when the product launches.

Ready when you are

Send us your statement.
We'll show you what we'd save you.

No commitment, no pressure. Just a clear line-by-line comparison under both programs.

Get Started