Payment processing that costs less and works better
Clearo builds your payment setup around how your business actually operates — not around a preset package. The result: lower fees, cleaner reporting, and a team you can reach when something matters.
Why businesses switch to Clearo
The average small business pays between 2.5% and 3.5% per transaction with a flat-rate processor. That sounds simple, but it hides a lot of margin that goes straight into your processor's pocket.
Interchange-plus pricing works differently. You pay the actual card network cost — set by Visa, Mastercard, and the issuing bank — plus a small, fixed markup from Clearo. That's it. No bundled tiers. No qualified/non-qualified games. Just the real cost of the transaction plus our fee, clearly listed on every statement.
For most businesses processing more than $10,000 a month, this saves 20-50% compared to flat-rate pricing.
What's included
Transparent interchange-plus pricing
You see every line item. Interchange fees from the card networks. Our markup. Assessment fees. Nothing hidden, nothing bundled. If your rates change, you'll know why — and your rep will walk you through it.
Multi-channel processing
In-person terminals, online payment gateways, virtual terminals, mobile payments, and invoicing. All connected through one platform. One set of reports. One funding schedule.
Advanced fraud protection
PCI compliance is included by default. Every transaction is encrypted end-to-end. Online payments include fraud screening and chargeback management tools.
Fast, predictable funding
Choose same-day or next-day funding. Know exactly when your money arrives and what was deducted. Reconciliation should take minutes, not hours.
Dedicated account management
A real person who knows your business. Not a call center. Your rep handles onboarding, monitors your account, and proactively catches rate increases before they hit your bottom line.
How pricing compares
Most processors use one of three models: flat-rate, tiered, or interchange-plus.
Flat-rate (used by Square, Stripe, PayPal) charges the same percentage on every transaction. It's simple, but you overpay on most transactions because the rate is set high enough to cover the processor's worst case.
Tiered groups transactions into qualified, mid-qualified, and non-qualified buckets. It looks cheap at the qualified rate, but most of your transactions quietly land in more expensive tiers. It's the least transparent model in the industry.
Interchange-plus passes through the actual card network cost and adds a fixed margin. It's the most transparent model available and typically the cheapest for any business doing reasonable volume.
Clearo uses interchange-plus. We'll show you exactly what you'd pay before you commit.
Want to see the numbers for your business?
Book a call and we'll do a side-by-side comparison using your actual statements. No cost, no commitment, no sales pitch — just math.
Let's talk about your payments
Tell us a bit about your business and how you currently take payments. A Clearo rep will reach out within one business day with a personalized recommendation — no generic pitch, no pressure.
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.