PayHub Payments vs Stripe:
The 2026 Pricing Reality
Pricing Category | PayHub Payments | Stripe Payments (Standard) |
|---|---|---|
Online / Invoices | 3.29% + $0.20 | 2.9% + $0.30 |
Manual Entry (Keyed) | 3.29% + $0.20 | 3.4% + $0.30 |
Monthly Subscription | $30 - $55 / month | $0 |
Faster Funding Fee | $0 (Next-Day Standard) | 1.5% (Min $0.50 per payout) |
Pricing Model | Interchange-Plus | Flat-Rate (Aggregator) |
In-Person (Terminal) | 2.39% + $0.20 | 2.7% + $0.05 |
Stripe Paymenrt
In-Person Payments
S2.7% + $0.05
Online / Invoices
2.9% + $0.30
Manual Entry (Keyed)
3.4% + $0.30
Faster Funding Fee
1.5% (Min $0.50 per payout)
Pricing Model
Interchange-Plus
Monthly Subscription
$0
PayHub Payments
In-Person Payments
Starting at 3.29% + $0.20
Online / Invoices
Starting at 3.29% + $0.20
Manual Entry (Keyed)
Starting at 3.29% + $0.20
Monthly Subscription
$30 - $55 / month
Faster Funding Fee
$0 (Next-Day Standard)
Pricing Model
Flat-Rate (Aggregator)
Trusted by Local Businesses
Since joining it’s been a seamless addition to business! Thanks for looking out for the small business owner!!! Highly recommended for any electronic transfer needs!
I can’t say enough good things about my experience with PayHub. From the very beginning, their service has been great. I was looking for a reliable payment processing solution for my business, and PayHub delivered beyond my expectations.
They work like a clockwork. When we call with a question, or a problem, they answer right away or solve the problem. We are with them since 2017 and we have no complaints.
2008
Family Owned and Operated
2 Minute
Average Response Time
Zero
Hidden Fees Ever
24/7
Support
See what our customers have to say about their experience with PayHub Payments
Feature Name | PayHub | Square | PayPal | Banks |
|---|---|---|---|---|
24/7 Phone Support | Yes | No | No | Yes |
Custom Integrations | Yes | No | No | Yes |
No Long-Term Contracts | Yes | Yes | No | No |
Local Support Team | Yes | No | No | No |
Next-Day Funding | Yes | Yes | Yes | Yes |
Transparent Pricing | Yes | Yes | No | No |
Free Setup & Training
| Yes | No | No | No |
Built for Businesses That Have Outgrown Clover
PayHub Payments provides the flexibility, support, and pricing transparency many businesses eventually realize they need beyond basic flat-rate processors.
.jpg)
Frequently Asked Questions
The hardware may be the same, but the support experience is very different. PayHub Payments provides complete setup assistance, menu programming, staff training, ongoing support, pricing guidance, and a dedicated team you can actually reach when questions come up.
Yes. Our team helps configure your Clover system around how your business actually operates. Depending on your setup, this may include menu building, taxes, modifiers, employee permissions, reporting configuration, devices, and workflows.
In many cases, yes. PayHub Payments works with a wide range of POS systems, invoicing tools, QuickBooks, e-commerce platforms, and other business software integrations. While Square or existing Clover hardware is not supported, our team can help recommend compatible solutions and guide you through a smooth transition.
That’s one of the biggest advantages of working with PayHub Payments. Our team provides ongoing support for questions, troubleshooting, updates, workflow adjustments, and day-to-day operational help whenever possible.
Yes. We work with a wide range of industries and help tailor Clover setups based on your workflow, services, inventory, invoicing needs, employee access, and customer experience.
Is PayHub Payments Right for Your Business?
Clover is built for a closed ecosystem, PayHub Payments is built for business flexibility. We trade "proprietary" for the freedom and transparency you've earned.
Clover
Rising Monthly "App & Software" Fees
Clover’s "Payments Only" plan is free, but to run a business, you'll need plans ranging from $14.95 to $89.95/mo per device, plus extra for the apps you need.
Proprietary Hardware "Lock-In"
Clover hardware is beautiful but a closed platform. If you leave Clover, your expensive station or Flex devices often become "bricks" that cannot be used elsewhere.
Call-Center Fatigue & Dropped Tickets
As a massive corporate entity, Clover's support is often outsourced. Merchants report long hold times and a "one-size-fits-all" approach to troubleshooting.
Standard 2-Day Deposit Delay
Clover's standard funding takes 1-2 business days. While they offer "Rapid Deposit," it often comes with additional fees that chip away at your daily revenue.
Restrictive 3-Year Contracts
Many Clover resellers require 36-month contracts with steep early-termination fees, making it expensive to switch if your business needs change.
Payhub Payments
Transparent Interchange-Plus Savings
Pay only the wholesale cost of processing plus a small, clear margin. Our Interchange-Plus model ensures your effective rate decreases as your business scales, keeping more profit in your pocket.
Stable Dedicated Merchant Accounts
We provide pre-vetted, dedicated merchant accounts. By performing underwriting upfront, we eliminate the fear of sudden fund holds or account deactivations.
24/7 Expert Human Support Team
Access genuine local care with a dedicated account manager on speed dial. Our expert team is available 24/7 to resolve issues in real-time, so you never miss a sale.
Built-In Standard Next-Day Funding
Speed is our standard, not a paid upgrade.
PayHub Payments provides Next-Day Funding as a core feature for every small business, ensuring your cash flow remains uninterrupted.
Flexible Open-Platform Integrations
PayHub Payments offers seamless integrations with industry-standard POS systems. Use your existing hardware or upgrade to our flexible terminals without being "locked in."
Get Started Today
Location
720 Hopmeadow Street
2nd Floor
Simsbury, CT 06070
Business Hours
Monday - Friday: 8:00 AM - 6:00 PM
24/7 Phone Support Available
PayHub Payments vs Clover
Feature | Clover Through PayHub Payments | Clover Direct |
|---|---|---|
Dedicated Point of Contact
| Yes | Not Always |
Software Integrations | Reviewed With Your Workflow | Self-Service |
Help Choosing Hardware | Included | Self-Guided |
Pricing Transparency | Completely custom pricing | Mostly fixed rates |
Next-Day Funding | Included | Varies by Provider |
Payment Processing Guidance | Personalized | Standardized |
Local RelationshipBased Support | Yes | Often Generalized Support
|
Customized Business Setup | Included | Limited |
Clover Hardware | Yes | Yes |