Merchant services, made simple

Take payments.
Keep more of them.

Clear Rate builds the payments stack for America's small businesses — POS systems, card processing, cash discount and funding, with honest pricing and a real person at the end of every call.

Send your latest statement — we'll show your savings in one business day.

Countertop card terminal and tablet point-of-sale system on a café counter
Cash discount program

Pay $0 in credit card processing fees.

Our compliant program passes card costs to the customer — saving most merchants 3–4% on every credit card sale. Transparent at checkout, legal in all 50 states.

See your savings
Typical processor$4,287/mo
With Clear Rate$0/mo
You keep$51,444/yr
What we offer

Everything you need to get paid.

Use one piece or the whole stack. Each one works on its own, and better together.

Point of sale

The right POS, set up for you.

Clover, Square, SpotOn, SkyTab, Aloha, Aldelo and more — installed, supported and serviced by a rep who knows your store.

Card processing

Pricing that fits on one page.

Interchange-plus, fully disclosed in writing. No bait rates, no long contracts, no surprise fees after 90 days.

Cash discount

Pay $0 in processing fees.

A compliant cash discount program that passes card costs to the customer — legal in all 50 states, live in days.

Working capital

Funding, without the bank meeting.

Borrow against future processing volume. No personal guarantees and a decision in days, not months.

ATM programs

Own the ATM. Keep 100%.

Buy your machine, load it yourself and keep every surcharge dollar — or let us handle cash, service and placement.

Recurring & loyalty

Subscriptions that don't drop.

Recurring billing with a built-in card updater, plus branded gift cards and loyalty that plug into your POS.

Bakery owner handing a payment card back to a customer
Why Clear Rate

Built for how you actually run your business.

Honest pricing.
The fees you see are the fees you pay. Every line item disclosed up front, in writing.
Local support.
Dedicated reps, on-site install and same-day service. Terminal down Friday night? We don't wait for Monday.
Fast funding.
Same- or next-day deposits, so your cash flow moves at the speed of your business.

36+ yrs

Combined payments experience

All 50

States served

$0

In long-term contract penalties

1 day

Funding on settled transactions

Savings estimator

What could you save in 30 seconds?

Enter your monthly card volume and effective rate. We'll show a quick estimate of your Clear Rate savings before you ever upload a statement.

  • No personal info required.
  • Compare against your current costs.
  • See cash-discount savings, too.

Rough total charged to cards per month.

$

Your total processing cost divided by volume.

%

Enter your monthly volume and current rate to see an estimate.

This is a rough estimate only. Your actual savings depend on card mix, transaction size, and program choice. We'll confirm the real number when you send us a statement.

Free savings analysis

Free savings review.
See what you'd save.

Send us your most recent processing statement — upload the PDF, or just take a photo of the paper copy with your phone. We'll break down every fee and show you exactly what Clear Rate would cost, usually within one business day.

  • No obligation, no sales pressure.
  • A real person reviews every page.
  • Answer back in one business day.

Your latest processing statement

Upload a PDF or image — or just snap a photo of the paper copy.

Your statement is sent securely and only used to prepare your savings estimate.

Ready to stop overpaying?

Send us your most recent processing statement. We'll show you exactly what you'd save — usually within one business day.