THE DETAILS

Clear Merchant Consulting provides specialized merchant services consulting for businesses of all risk levels. With 30 years of Award Winning experience, we help entrepreneurs and SaaS partners secure transparent Interchange-Plus pricing and reliable bank relationships for long-term stability. Let us empower your business with our expertise.

The Right Bank-Grade Merchant Account For You — Built to Last

Interchange-Plus pricing. Durable omni-channel flexibility across today’s leading terminals and gateways.

Pricing Snapshot

Interchange-Plus +0.25% (IC+25 Basis Points)

  • $37.19 Monthly Account Fee
  • 30¢ Transaction Fee
  • Authorize.net Payment Gateway Included 
  • No Application Fee
  • No Activation Fee
  • Online Accounting Console Included
  • Fraud Prevention Analysis 
  • Best-In-Class Risk Mitigation Tools*
  • No Early Termination Fee

Select Your Processing Type

CARD-PRESENT TRANSACTIONS                           

For businesses with 90%+ in-person transactions

  • Traditional Retail and face-to-face transaction acceptance

  • Compatible with ALL modern Point-Of-Sale terminals and registers

  • Omni-channel ready — add Online later without duplicating fixed fees

CARD PRESENT (CP) APPLICATIONS BEGIN HERE

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CARD-NOT-PRESENT TRANSACTIONS

For online, phone, invoice, or subscription billing

  • Secure payments gateway for e-commerce  transactions

  • Invoicing, recurring billing, and virtual terminal supported transactions

    • Omni-channel ready — add Retail later without duplicating  fees

CARD NOT PRESENT (CNP) APPLICATIONS BEGIN HERE

Click here

What You Need Before You Begin

  • Minimum 500 FICO (600+ for no-reserve consideration)

  • Business Tax ID & Articles of Formation

  • Business bank statement (personal if newly formed)

  • Void check or bank verification letter

  • Website published (where applicable)

  • Valid government-issued ID

Recommended (not required):

  • Dedicated business phone number

  • Phone answered or recorded in the business name

What to Expect After You Finish

  1. Application is submitted into the Secure Automated Approval System. 

  2. Same-day review during banking hours.

  3. Underwriting decision issued

  4. Welcome emails from processor and gateway

  5. Terminal or gateway activation

  6. Processing goes live

Pricing subject to underwriting by business model and volume. Separate cost centers may be provisioned without duplicating fixed monthly fees.