When Clarity Follows.
Led by our Director — 30+ Years with numerous #1 First Data Production Honors.
We map, measure, and master merchant-level RISK to keep accounts stable, processing smooth, and costs consistently at or approaching the fabled Interchange Cost plus 10 Basis Points (IC+ 0.10%) Goldilocks Zone.
Our focus is long-term relationships. While others chase Maximum Profit Per Account, our “Skinny—but Many” philosophy drives Maximum Profit Flow to our clients — creating scalable savings and lasting trust.
Decades of Excellence
Three decades in the trenches taught us one truth — merchants don’t fail for lack of effort; they fail for lack of advocacy.
At Clear Merchant Consulting, we turn experience into advantage. Our awards don’t just sit on a shelf — their collective experiences work in real time, stabilizing approvals, normalizing RISK ratios, and turning volatility into control.
Every account is guided through a process built on precision and foresight — where Skinny-but-Many becomes not just a philosophy, but a system. We structure RISK to serve performance, not restrict it, ensuring the account you build today becomes the portfolio that endures tomorrow.
We manage RISK directly — before it manages you.
- Multiple First Data #1 Awards — recognition earned through measurable performance, not promises.
- 30+ Years of Industry Experience — building and stabilizing accounts across every RISK class.
- Proven Client Success — merchants stay live, compliant, and profitable.
- First Data Chairman's Council & President's Club
We Support Businesses Across Every RISK Trajectory
At Clear Merchant Consulting, we support businesses across the full trajectory of RISK — from emerging operations to seasoned enterprises encountering new demands or shifting conditions.
Every business moves through a natural arc: stability → strain → correction → stabilization.
We read these shifts early, adapt structures with precision, and safeguard processing continuity so your account remains firmly within the Goldilocks Zone — stable, predictable, and acquirer-comfortable.
- Early-Stage & Scaling Conditions When growth introduces new volume or behaviors, we engineer stability before acquirer scrutiny.
- Growing Conditions As expansion accelerates, we realign structure to preserve consistency and smooth performance signals.
- Established Conditions When stability is essential, we maintain equilibrium through clean pricing and predictable approval integrity.
- Specialized Conditions Compliance-sensitive, hybrid, or referral-driven models needing tailored alignment with underwriting logic.
- Strain & High-Pressure Conditions When drift appears, we remediate performance, normalize RISK, and prevent exit-pressure scenarios.
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