Merchant Solutions and Services

Merchant solutions are the payment-processing tools and support businesses use to accept, manage, and reconcile card transactions. They can include merchant accounts, standalone terminals, ecommerce gateways, virtual terminals, recurring billing, invoicing, PCI compliance, reporting, and statement analysis. Clearwater Processing combines these capabilities into tailored processing environments for businesses accepting payments in person, online, by phone, or through back-office systems.

Businesses of many types use merchant services whenever they accept card payments. Clearwater Processing serves independent retailers, ecommerce sellers, law firms, trade contractors, B2B companies, event and catering businesses, accounting and bookkeeping firms, developers, distributors, medical practices, marinas, and other merchants. Solutions can support in-person transactions, online checkout, invoicing, phone orders, recurring billing, and custom software integrations. Whatever the business type, Clearwater tailors the processing environment to how that business takes payments.

Clearwater Processing provides payment environments supporting all card types, based on the selected solution and merchant needs. Businesses can accept payments through standalone terminals, ecommerce gateways, virtual terminals, invoices, back-office billing, and integrated software. Processing options are tailored to the way each merchant collects payments, whether transactions occur in person, online, remotely, or on a recurring basis.

Yes. Clearwater Processing offers ecommerce payment gateways with simple API integration for online merchants. The gateway supports card acceptance, built-in PCI compliance, comprehensive reporting, $100,000 breach protection insurance, and US-based support. Businesses can also explore integration into custom-built software applications when payment acceptance needs to connect with an existing platform.

Yes. Clearwater Processing offers recurring billing solutions and back-office billing capabilities for merchants processing repeating or subscription-based transactions. When a customer’s card is about to expire, Clearwater can update it automatically, so the next scheduled charge still goes through. These services are part of broader credit card processing environments that can include reporting, PCI compliance, statement analysis, and support for card acceptance. The appropriate setup depends on the merchant’s billing model and payment-processing environment.

Merchant statement analysis is a review of processing statements to identify confusing line items, hidden fees, and potential savings opportunities. Clearwater Processing can analyze statements from providers including local banks and national processors. Clients see average total savings of 10%–30% through this analysis, although results vary by statement and processing environment.

Yes. The process starts with a statement analysis. Clearwater Processing reviews your current merchant statement so you can see what you pay now, including confusing line items and hidden fees. From there, your representative recommends an environment that fits how you sell, which may include an ecommerce gateway, virtual terminal, standalone terminal, recurring billing, back-office billing, and merchant reporting tools.

Clearwater Processing provides US-based backend phone support 24/7/365. Office hours are Monday through Friday from 7am to 10pm EST and Saturday from 8am to 10pm EST. Clients also receive access to a dedicated representative and that representative’s personal cell phone number, a single point of contact with industry experience rather than a call center or chat bot.