Advanced Merchant Processing Solutions for Growing Businesses

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.

Business owner reviewing card payment processing dashboard beside a customer checkout terminal

Our Merchant Processing Services

Flexible payment tools support in-person, online, recurring, invoiced, and software-integrated transactions for growing businesses.

Credit Card Processing

Accept card payments through tailored merchant accounts, standalone terminals, ecommerce gateways, and back-office billing environments designed around your business operations.

Virtual Terminal

Manually enter and process card transactions from an internet-connected device, giving businesses a flexible option for phone, remote, and card-not-present payments.

Recurring Billing

Support subscription and repeating payment arrangements through integrated back-office billing capabilities, with reporting and PCI compliance solutions.

Payment Gateway API

Connect online payment acceptance to websites and custom software through simple API gateway solutions supporting all card types, reporting, and compliance.

Merchant Reporting

Review transaction details, merchant statements, and account information through a secure reporting portal that helps businesses monitor processing activity.

Statement Analysis

Understand confusing charges and hidden fees through detailed statement reviews that identify potential savings and support more informed processor decisions.

Tailored Payment Environments

Payment Processing Built Around Your Business

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.

Merchant reviewing payment options and transaction reporting with a business advisor
The Clearwater Difference

Why Choose Clearwater Processing?

Get payment technology and personal support aligned with the way your business operates.

Tailored Solutions

Payment environments are shaped around your channels, workflows, software, and business requirements.

Personal Support

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.

Clearer Costs

Statement analysis helps businesses identify confusing charges, hidden fees, and potential processing savings.

Secure Processing

PCI compliance solutions, fraud-prevention practices, and breach protection support secure card acceptance.

Meet The Clearwater Team

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.

SinceServing merchants since 2003
CoverageClients served in 32 states
SupportUS-based backend support available 24/7/365

Frequently Asked Questions

What is a merchant transaction in a credit card?

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.

What merchant processing solutions does Clearwater Processing offer?

Can Clearwater Processing support online payments?

Can businesses accept recurring or subscription payments?

Can Clearwater Processing review my current merchant statement?

What happens when a business moves to Clearwater Processing?

What support is available for Clearwater Processing clients?

Can payment processing be integrated with custom business software?

Still Have Payment Processing Questions?

Talk with Clearwater Processing about your business’s payment needs.

Verified Protection Benefits

Awards and Recognition

Breach protection insurance benefit associated with merchant processing services

$100,000 Breach Protection Insurance

Breach protection insurance included with select payment solutions.

Chargeback loss mitigation support through partner insurance providers

Chargeback Loss Mitigation

Access to chargeback insurance through trusted partner companies, plus direct support to mitigate chargeback losses.

Build A Better Payment Setup

Share your current payment needs and speak with Clearwater Processing about tailored solutions, support, and processing options.

Contact Us Today

For immediate assistance, feel free to give us a direct call at 973-715-5416.