What is the CLV* DOWNTOWN COFFEE charge?

Understanding Clover Coffee Shop Purchases

CLV* DOWNTOWN COFFEE on your bank or credit card statement is a payment at an independent coffee shop, espresso bar, or neighborhood cafe that uses Clover point-of-sale hardware from Fiserv. Specialty cafes and local coffee roasters widely rely on Clover countertop Station devices or compact Flex readers for quick counter service. The CLV* identifier comes from the Clover payment network and appears on your card statement in place of what you might expect — the coffee shop's own name. The portion after CLV* reflects the business name registered with Clover when the owner set up their merchant account.

Transaction amounts at a coffee shop are typically small — anywhere from $4 to $20 — reflecting a handcrafted espresso drink, cold brew, drip coffee, tea latte, or a pastry and breakfast sandwich. If you selected a tip at the touchscreen counter — a common feature on all Clover terminals — the final settled amount will be slightly higher than the base drink price. Some cafes also sell whole-bean coffee bags, branded mugs, or merchandise at the register, which would add to the total if purchased alongside your drink.

If you are unsure whether this charge is yours, check the transaction timestamp against your normal morning or afternoon coffee routine. A charge between 7 AM and 9 AM near your workplace or commute route is almost always a coffee purchase. You can also visit clover.com/receipt and enter your card details and the transaction date to pull up the digital receipt showing the specific cafe name and location. If the charge occurred in a city you have not visited and no household member can account for it, contact your bank immediately to freeze your card and dispute the transaction.

• Purchase of latte, cold brew, or drip coffee at a local coffee bar
• Counter checkout payment for fresh bagels, muffins, or breakfast sandwiches
• Purchase of whole-bean roasted coffee bags or barista merchandise

Reconciling Coffee Transactions on Your Card

Check the transaction timestamp against your daily commute or work schedule to confirm whether the charge aligns with a routine coffee stop.

1. Review the timestamp to see if the charge aligns with your morning coffee run.
2. Check whether the small charge includes standard digital tip selections.
3. Search your mobile text messages for electronic Clover register slips.
4. Contact support if the charge occurred in a city you have not visited.

Frequently Asked Questions

Part of a family

CLV* DOWNTOWN COFFEE is one of the CLV* Clover Network point-of-sale charges lines — see the whole family decoded.

Verified sources

Every claim on this page is checked against official sources — open them to confirm before you call your bank.

• Clover Quick-Service Dining Point of Sale Overview https://www.clover.com/pos-systems/quick-service-dining
• Fiserv Consumer Card Processing Details https://www.fiserv.com