Credit Card Processing
Accept card payments through tailored merchant accounts, standalone terminals, ecommerce gateways, and back-office billing environments designed around your business operations.
Help your growing business accept payments with tailored merchant processing environments built for in-person, online, recurring, and back-office transactions. Clearwater Processing combines payment technology, reporting, PCI compliance support, statement analysis, and personalized US-based assistance to help improve cash flow, understand processing costs, and manage card payments with confidence as your business expands.

Flexible payment tools support in-person, online, recurring, invoiced, and software-integrated transactions for growing businesses.
Accept card payments through tailored merchant accounts, standalone terminals, ecommerce gateways, and back-office billing environments designed around your business operations.
Manually enter and process card transactions from an internet-connected device, giving businesses a flexible option for phone, remote, and card-not-present payments.
Support subscription and repeating payment arrangements through integrated back-office billing capabilities, with reporting and PCI compliance solutions.
Connect online payment acceptance to websites and custom software through simple API gateway solutions supporting all card types, reporting, and compliance.
Review transaction details, merchant statements, and account information through a secure reporting portal that helps businesses monitor processing activity.
Understand confusing charges and hidden fees through detailed statement reviews that identify potential savings and support more informed processor decisions.
Clearwater Processing develops payment environments for businesses that sell in person, online, by invoice, or through recurring billing. Solutions can include merchant accounts, gateways, virtual terminals, reporting, PCI compliance support, next-day funding, and statement analysis. Dedicated representatives and US-based backend support provide a more personal resource when payment questions or account concerns arise.

Get payment technology and personal support aligned with the way your business operates.
Payment environments are shaped around your channels, workflows, software, and business requirements.
Your dedicated representative is a single point of contact with industry experience, a real person you call directly on their personal cell phone rather than a chat box, backed by US-based backend support available 24/7/365.
Statement analysis helps businesses identify confusing charges, hidden fees, and potential processing savings.
PCI compliance solutions, fraud-prevention practices, and breach protection support secure card acceptance.
Payment professionals support merchants with practical, personalized guidance.
Clearwater Processing has been building merchant processing environments for growing businesses since 2003, guided by executives with decades of experience in credit card processing and merchant services. The company began by providing tailored credit card processing environments and has expanded into payment gateways, back-office billing, standalone terminals, reporting, PCI compliance, statement analysis, and related payment capabilities. Clearwater maintains locations in South Florida, New York City, and Arizona while serving clients in 32 states across the United States. Its approach combines current processing technology with transparent merchant services, dedicated representatives, and US-based support. The company works with businesses of different sizes and payment models, helping them understand processing activity and select tools that fit their operations as they grow.
A merchant transaction is a card payment made by a customer for goods or services. The merchant’s payment processor routes transaction information between the business, card network, and issuing bank, then helps authorize and settle the payment into the merchant account. Transactions may occur in person, online, through a virtual terminal, or through invoicing and recurring billing systems.
Talk with Clearwater Processing about your business’s payment needs.
Breach protection insurance included with select payment solutions.
Access to chargeback insurance through trusted partner companies, plus direct support to mitigate chargeback losses.
Share your current payment needs and speak with Clearwater Processing about tailored solutions, support, and processing options.
For immediate assistance, feel free to give us a direct call at 973-715-5416.
For immediate assistance, feel free to give us a direct call at 973-715-5416.