Countertop
Clover Mini
A small touchscreen terminal for a fast checkout line, with a built-in printer and PIN pad.
Card processing for bakeries
Bakeries see small tickets, long weekend lines and the occasional big catering order. Small payments make per-sale fees add up fast.
The numbers on this page use a typical bakery sale of $22.
SAVINGS RECEIPT
Example: bakery, $37,500 a month in cards
Their avg. fees$1,428.30
Our fees$957.95
You keep / month$470.34
You keep each year$5,644
Your numbers will differ. Run yours.
What a bakery could keep
Monthly processing cost at three sales levels, using each processor's standard in-person rate.
| Monthly card sales | Square | PayPal | Stripe | Our cost | You keep per year |
|---|---|---|---|---|---|
| $10,000 – $25,000 | $574.32 | $913.02 | $512.27 | $447.05 | $2,634 |
| $25,000 – $50,000 | $1,230.68 | $1,956.48 | $1,097.73 | $957.95 | $5,644 |
| $50,000 – $100,000 | $2,461.36 | $3,912.95 | $2,195.45 | $1,915.91 | $11,288 |
Each row uses the middle of the sales range. "You keep" is the average of the three processors minus our cost, times 12.
Where the fees come from
Every card sale costs a percentage plus a flat fee. On a typical $22 bakery sale, here's what one payment costs.
- Square$0.72
- PayPal$1.15
- Stripe$0.64
- Credit Card Equipment$0.56
On a sale this size, PayPal's flat $0.49 is 43% of its fee, so the per-sale charge matters as much as the rate.
Equipment bakeries use
A countertop terminal keeps the line moving. A pocket reader handles farmers markets and deliveries.
Mobile
Clover Go
A pocket card reader that pairs with your phone, for markets, deliveries and house calls.
Questions bakeries ask us
Can I take payment at a farmers market?
Yes. Clover Go pairs with your phone, and those sales land in the same reports as the shop.
What about large catering orders?
They run through the same terminal. Larger orders are where the percentage rate matters most, so they're worth checking in your savings report.
Do I need a long-term contract?
No. Our plans are month to month with no early termination fee.
Can I keep my current equipment?
Often, yes. Many terminals can be reprogrammed. If yours can't, we'll set you up with a new one.
Service areas
We work with bakeries across the country. Your terminal ships programmed, and your agent sets it up with you by phone.
See what you'd save before you switch.
A side-by-side report against Square, PayPal and Stripe, in about a minute.