Stop Overpaying on Every Transaction
Interchange-plus pricing you can check line by line, no long-term contract, and a rep who answers the phone. Send a statement for a free review and see what you could save.
Do you know what your processor really charges?
Card processing is confusing, and plenty of processors are happy to keep it that way. Rates get bundled into one number, fees show up under names nobody explains, and the "competitive pricing" from the sales call is hard to find on the statement.
Maybe you signed up because a rep said the rates were good. Nobody walked you through the interchange costs or why your effective rate keeps creeping up, and when you call with a question, you reach a call center.
We built Clearo to work differently.
What changes when you switch to Clearo
You see exactly what you're paying and why
We price on interchange-plus: you pay what the card networks charge, plus our markup on its own line. Your statement shows each fee by name, and if one looks wrong, your rep will go through it with you.
Savings without changing how you operate
We look at how you take cards today and where the money goes, then change the pricing, the terminals or the fee setup where that helps. Based on its client records, Clearo says businesses moving from flat-rate pricing have saved 20 to 50% on processing costs; yours depends on card mix, average ticket and volume.
You get a person, not a portal
Every Clearo client gets one account rep who knows the business. When you have a question about your account, your statement or your rates, you call that person instead of opening a ticket.
You keep full flexibility
There's no long-term contract, no cancellation fee and no three-year equipment lease. If the numbers stop working for you, you're free to go.
How switching to Clearo works
Tell us how you take payments
Fill out the form or book a call. We'll ask how you take payments now, what kinds of sales you run, your monthly volume and your average ticket. It takes about 10 minutes.
We put together a recommendation
We go through your statements, find where you're overpaying, and suggest a setup that fits how you sell. You get a side-by-side of what you pay now and what you'd pay with Clearo.
You start taking payments
We handle the switch. Your rep runs onboarding and tests everything with you before you go live. Clearo says setup takes under 48 hours.
There\'s no obligation. If we can\'t lower your costs, we\'ll say so.
Accept payments however your customers want to pay
In-Person
- Countertop, wireless and portable terminals
- Chip, tap, and swipe
- Interac, Visa, Mastercard, Apple Pay and Google Pay
- From authorized partners such as Clover and Helcim
Online
- Hosted checkout for your website
- Gateway integration for custom checkouts
- Fraud screening with AVS, CVV checks and velocity rules
- PCI compliance support
Mobile
- Tap to pay on a phone
- Mobile card readers for chip and tap
- Take payments at the job site or market
- Suits field service and on-site work
Virtual Terminal & Invoicing
- Take phone and email payments in a browser
- Send invoices customers can pay by card
- Set up recurring billing for repeat clients
- Create payment links for one-off charges
However a customer pays, you're on the same interchange-plus pricing, with one dedicated rep who knows your account.
What to expect when you switch
Case study: Commerce Media Group, Toronto, Ontario
A Toronto marketing firm paying 3% through QuickBooks Payments moved to Elavon processing with Benji Pays inside its QuickBooks Online invoices, and its processing costs fell by about 30% a year.
"Commerce Media Group highly recommends Clearo for any processing needs, as it's not just about the solution that can be provided. It's making sure the company has the best interests at heart."
Built for businesses that take payments every day
Restaurants
Countertop and wireless terminals for chip, tap and swipe
Retail
Terminals from partners such as Clover and Helcim, on interchange-plus pricing
Medical & Dental
Patient invoices, payment links and recurring billing
Automotive
Interchange-plus pricing for larger repair and sales tickets
Home Services
Mobile card readers in the field, plus invoices and payment links
Professional Services
Invoices, recurring billing and QuickBooks Online invoice payments
E-commerce
Hosted checkout or gateway integration, with AVS and CVV checks
Wellness & Fitness
Recurring billing for memberships, plus front-desk terminals
B2B & Franchises
Invoices, payment links and ACH alongside cards
Nonprofits
Online donations, monthly giving and event payments
Hotels & Lodging
Front-desk terminals from our partners, plus phone bookings
Don't see your industry? We probably work with businesses like yours. and find out.
Not ready to talk? Start here
Run your own numbers
Work out your effective rate, what a surcharge would add, or how flat-rate and interchange-plus pricing compare on your sales.
Read a guide
Plain-English guides to card fees, surcharging, chargebacks and PCI, grouped by topic and linked to their official sources.
Compare processors
How Clearo prices processing, and Clearo next to Square, Stripe and Helcim with links to each company's own pricing page.
Check the rules where you are
Surcharge rules, sales tax and local facts for US states, Canadian provinces and the cities in them.
Recover up to 100% of your credit card processing costs
A surcharge is a fee added to sales paid by credit card, so the customer who chooses credit covers some or all of what that card costs you.
Clearo sets up the signage, the receipt disclosures and the terminal settings, so customers see the surcharge before they pay.
Applies to credit card transactions only. Debit and prepaid are excluded. Compliant with Visa and Mastercard network rules. Clear signage and receipt disclosure included. Not available in all states, and we'll tell you upfront if it works for your location.
See If Surcharging Works for You
Not sure if you're overpaying? Send us a statement.
Upload your latest processing statement and we'll go through it line by line, pointing out hidden fees, marked-up interchange and charges you don't need. The review is free.
Get Your Free Statement ReviewCommon questions
Clearo says setup takes under 48 hours, and your dedicated rep works through it with you.
Yes. Clearo supports in-person terminals, online payments through hosted checkout or a gateway integration, a virtual terminal for phone payments, invoices and payment links, and mobile payments, all on interchange-plus pricing.
Tell your rep what you use today and they'll explain your options. Clearo is an authorized reseller, so any new terminals come from partners such as Clover and Helcim.
Yes. Clearo's virtual terminal handles phone and email payments, invoices, payment links and recurring billing. If you invoice from QuickBooks Online, Clearo can set up Elavon processing with Benji Pays so those invoices take card payments that sync back to QuickBooks Online.
Send a recent processing statement for a free statement review. We go through every fee on it and work out your effective rate, so you can compare it with interchange-plus pricing on your own numbers.
No. Clearo does not charge cancellation fees. We don't sign clients to long-term contracts either, so you can leave whenever you want.
Square and Stripe publish flat rates for their standard pricing, which is simple and predictable (our comparison pages link their pricing pages and say when we checked them). Clearo uses interchange-plus pricing, which passes through the actual card network cost and adds a small, transparent margin. For businesses processing $10K+ per month, interchange-plus can cost less, depending on card mix.
Let's talk about your payments
Tell us about your business and how you take payments now. A Clearo rep will get back to you within one business day with a recommendation for your setup.
If we can save you money and improve your setup, we'll show you exactly how. If we can't, we'll tell you that too.
See what you're really paying
Fill out a quick form and a Clearo rep will reach out within one business day with a personalized recommendation.
Get Your Free ConsultationNo obligation, and the form takes about 2 minutes.
Works with the payment methods your customers already use