Merchant Accounts
Customized merchant account environments built around ecommerce gateways, back-office billing, or standalone EMV terminals, offering comprehensive reporting across all card types.
Streamline transactions and eliminate unnecessary expenses with tailored credit card processing built for independent ventures. Clearwater Processing provides transparent merchant services, next-day funding, and statement reviews that decipher every line item and hidden fee. Services are tailored to businesses of all sizes, from growing independent shops to established high-volume merchants. Equip your enterprise with secure virtual terminals, ecommerce gateways, and dedicated personal support across the United States.

Discover comprehensive merchant services engineered to streamline everyday transactions, enhance payment security, and optimize processing costs for modern enterprises.
Customized merchant account environments built around ecommerce gateways, back-office billing, or standalone EMV terminals, offering comprehensive reporting across all card types.
Secure web-based portal enabling manual card entry and remote payment processing from any internet-connected device.
Robust API payment gateway integrations for web storefronts featuring built-in PCI compliance.
Detailed forensic reviews of existing processor statements to uncover hidden fees and pinpoint where savings may exist.
Automated subscription and back-office invoicing systems designed to maintain steady cash flow for service businesses. Automatic card updating refreshes customers' cards that are about to expire, saving time and retaining revenue.
Comprehensive security programs providing PCI compliance support, fraud prevention practices, and breach protection insurance.
Modern businesses demand dependable payment infrastructure that minimizes overhead while keeping revenue moving without interruption. Clearwater Processing combines advanced gateway technology with personalized support, offering standalone terminals, virtual entry, and automated invoicing. Merchants gain full transparency through line-item statement reviews, rapid next-day settlements, and robust data protection that helps merchants avoid costly processing surprises. Pricing is subject to approval and may change based on underwriting factors.

We pair transparent merchant pricing with dependable technology and direct personal assistance.
Clients see 10%–30% savings on average through detailed statement fee analysis.
Every client receives their dedicated representative's personal cell phone number for direct contact.
Protection includes $100,000 breach protection insurance, plus access to trusted partner companies that offer chargeback insurance and direct help mitigating chargeback losses.
Receive backend assistance from experienced domestic merchant specialists 24/7/365.
Connect processing directly to QuickBooks, Xero, and similar platforms so invoices, payments, and ledger reconciliation stay in sync.
Build payments into your own storefront, portal, or back-office system with API integrations configured around how your business already works.
Dedicated payment specialists committed to transparency and exceptional merchant support.
Clearwater Processing has delivered credit card processing environments to merchants since 2003. Founded on the principles of transparency and putting the merchant first, the company delivers payment processing technology, merchant support, PCI compliance programs, and thorough statement audits. Serving merchants across 32 states with physical locations in South Florida, New York City, and Arizona, Clearwater Processing helps businesses eliminate hidden processor charges and implement secure transaction systems. Backed by decades of executive leadership, our team delivers reliable processing and direct personal phone communication.
Credit card processors are financial service companies that manage the routing, authorization, and settlement of electronic card transactions between customers, merchant bank accounts, and card associations. They provide the necessary hardware, payment gateways, and security protocols like PCI compliance to ensure funds move securely and settle into merchant accounts promptly.
Speak with an experienced merchant specialist for a zero-obligation statement review.
PCI compliance support for merchant accounts.
Chip-card acceptance with standalone EMV terminals.
$100,000 breach protection insurance coverage.
Submit your contact information or call 973-715-5416 to review your merchant statement, eliminate hidden fees, and set up reliable credit card processing. Clearwater Processing works with businesses of all sizes across 32 states.
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.