Find your credit card processing rate
The credit card industry is complex by nature. That's why we use a completely transparent interchange-plus pricing model — so you see exactly what you pay on every single transaction.
What is interchange?
Interchange is the rate that your customer's issuing bank — the bank that provided their credit card — charges for depositing the funds from a purchase into your bank account. The interchange rate incentivizes financial institutions to participate in this ecosystem and pays for the benefits consumers expect: fraud protection, travel rewards, purchase insurance, and the ability to pay after the fact.
Every processor in the world pays interchange. The only question is whether they pass it through to you transparently, or bundle it into a flat rate and keep the spread. Learn more about interchange-plus vs. flat-rate pricing.
What you won't pay
No hidden monthly charges
No statement fees, PCI fees, or "regulatory" charges.
No equipment lease traps
No multi-year non-cancellable terminal leases.
No silent rate creep
When interchange updates in April or October, your rep explains the impact — in advance.
Watch out for these on your statement
Whether you decide to work with Clearo or not, here are the fees you should scrutinize on any processor's statement. If you can't get a straight explanation for any of these, that's a red flag.
Why your rate is custom
We don't list a one-size-fits-all rate on our website because your pricing depends on real variables: your industry, average transaction size, monthly volume, card mix (debit vs. credit vs. rewards), and whether you take payments in person or not. See how we compare to Square.
A restaurant doing 500 small-ticket card-present transactions a day has a completely different interchange profile than a professional services firm processing five large keyed-in invoices a month. Quoting both the same markup would mean one of them is overpaying.
We build pricing around your actual situation. Book a call or send us a recent statement for a free statement review — we'll show you your current effective rate, the individual fee components, and what the same volume would cost with Clearo.
See How We Compare
Honest, side-by-side breakdowns with no spin.
Ready to lower your processing costs?
See exactly what you're paying and how much you could save — no commitment required.
Related Services
Everything you need to accept payments and reduce costs.
Payment Processing
Transparent interchange-plus pricing
POS Terminals
Countertop, wireless, and portable terminals
Online Payments
Secure website checkout and payment gateway
Mobile Payments
Accept payments from phone or tablet
Virtual Terminal
Phone and remote payment processing
Surcharging Program
Pass processing costs to credit card users
Other Industries We Serve
Clearo works with businesses across Canada — find your industry below.
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.
Ready to save on processing?
Fill out a quick form and a Clearo rep will reach out within one business day with a personalized recommendation.
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