Integrated Merchant Credit Card Processing

Connect payment acceptance, reporting, billing, and accounting workflows through tailored merchant services from Clearwater Processing. Businesses can support in-person, online, recurring, and back-office payments while accessing PCI compliance solutions, next-day funding, statement analysis, and US-based support. Clearwater Processing helps businesses build payment environments suited to their operations and customer experience.

Merchant reviewing integrated credit card payment processing dashboard

Our Integrated Merchant Credit Card Processing Services

Connect payment acceptance, billing, reporting, compliance, and business software through tailored merchant processing environments.

API Integration

Build card acceptance directly into your website, app, or custom-built software through API integration, with sandbox accounts so developers can test before going live. Clearwater works with all major gateways and connects payments to QuickBooks, Xero, and other merchant systems, with surcharge integration and reporting available where your workflow needs them.

Merchant Accounts

Set up tailored credit card processing environments for standalone terminals, ecommerce gateways, back-office billing, and acceptance of all card types.

Recurring Billing

Process subscription and recurring transactions through back-office billing capabilities designed to support repeat payment collection within a broader merchant services platform. Expiring cards are updated automatically, which cuts failed charges and protects recurring revenue.

Payment Gateways

Accept online payments through ecommerce gateway solutions with API integration, built-in PCI compliance, comprehensive reporting, next-day funding, and US-based support.

Statement Analysis

Review statements from providers, local banks, or national processors to identify confusing charges, hidden fees, and potential savings opportunities.

PCI Compliance

PCI compliance solutions, fraud-prevention best practices, and $100,000 breach protection insurance support secure transactions across connected channels. Clearwater also works directly with merchants to mitigate chargeback losses and works with trusted partner companies that offer chargeback insurance products.

Tailored Payment Environments

Build A Payment System Around Your Business

Clearwater Processing brings payment acceptance, billing, reporting, funding, and compliance capabilities together in a tailored environment. Businesses can choose solutions for in-person transactions, ecommerce, back-office billing, recurring payments, or custom software. Merchant statement analysis can clarify processing costs, while US-based backend support helps make payment operations easier to manage.

Business payment processing system displayed on computer and terminal
The Clearwater Difference

Why Choose Clearwater Processing?

Get merchant services shaped around your workflows, payment channels, and business priorities.

Industry Experience

Clearwater Processing has built credit card processing environments for merchants since 2003.

Tailored Solutions

Choose payment environments suited to ecommerce, back-office billing, standalone terminals, and custom software.

Personal Support

Dedicated representatives provide personal cell phone access alongside US-based backend phone support.

Transparent Analysis

Statement analysis helps clarify confusing line items and hidden fees, with clients seeing 10%–30% savings on average.

Meet The Clearwater Processing Team

Experienced merchant services professionals focused on transparent, tailored payment support.

Clearwater Processing is backed by executives with decades of experience in credit card processing and merchant services. Today, Clearwater Processing supports ecommerce gateways, back-office billing, standalone terminals, PCI compliance, statement analysis, reporting, funding, and related payment capabilities. Its service model combines payment technology with personalized assistance, including dedicated representatives and US-based backend support. Clearwater Processing serves clients in 32 states across the United States and maintains locations in South Florida, New York City, and Arizona. The company’s stated values include transparency, exceptional products and services, and putting the customer first.

EstablishedServing merchants since 2003
CoverageServing clients in 32 states
SupportUS-based backend support 24/7/365

Frequently Asked Questions

What is integrated merchant credit card processing?

Integrated merchant credit card processing connects payment acceptance with related business tools and workflows. Depending on the environment, this can include standalone terminals, ecommerce gateways, virtual terminals, back-office billing, recurring transactions, reporting, PCI compliance, and software integrations. Clearwater Processing develops tailored processing environments so merchants can manage payment activity across the channels relevant to their operations.

What types of payments can Clearwater Processing support?

Does Clearwater Processing offer API integration for developers?

Can payment processing integrate with QuickBooks or Xero?

Does Clearwater Processing offer recurring billing?

What is merchant statement analysis?

What should I look at before switching processors?

What support is available for merchants?

Does the service include PCI compliance support?

Questions About Your Processing Setup?

Talk with Clearwater Processing about payment options for your business.

Build A Better Payment Environment

Tell Clearwater Processing about your current setup and payment goals. A representative can discuss tailored processing options, integrations, reporting, compliance, and statement analysis.

Contact Us Today

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