POS Merchant Services and Payment Processing

POS merchant services and payment processing give businesses the tools and account infrastructure needed to accept card payments. Solutions may include standalone terminals, ecommerce gateways, virtual terminals, back-office billing, recurring payments, reporting, PCI compliance, and funding support. Clearwater Processing creates tailored processing environments for businesses that accept payments in person, online, by phone, by email, or through custom software.

Clearwater Processing offers credit card processing and merchant accounts, standalone terminal environments, ecommerce payment gateways, virtual terminals, recurring billing, back-office billing, invoicing, PCI compliance solutions, merchant reporting, statement analysis, and software integrations. The appropriate combination can be organized around how a business collects payments and manages its accounting or operational systems.

Yes. Clearwater Processing provides integration of payment processing into custom-built software applications. Available capabilities include simple API ecommerce gateways, virtual terminals, and back-office billing. Integrations can support multiple card types, PCI compliance management, and comprehensive reporting. Businesses and developers can discuss how payment acceptance should connect with an existing application or website.

Yes. Clearwater Processing offers recurring billing and back-office billing capabilities for merchants that collect repeating or subscription-based payments. These tools are designed to work within a broader processing environment that may include reporting, PCI compliance solutions, and support for card acceptance. Recurring billing can help service businesses organize ongoing payment collection more consistently. Expiring cards are updated automatically, which cuts failed charges and protects recurring revenue.

Merchant statement analysis reviews processing statements from providers such as local banks and national processors. Clearwater Processing identifies confusing line items, hidden fees, and potential savings opportunities so merchants can better understand their current costs. The company reports average client savings of 10%–30% through statement analysis, though results vary by account and processing environment.

Yes. Clearwater Processing provides PCI compliance solutions designed to support secure transactions and fraud-prevention best practices. The company also lists $100,000 breach protection insurance as part of its payment security offerings. Merchants should review eligibility, program requirements, and coverage details with Clearwater before selecting a solution.

Clearwater Processing lists next-day funding as a feature available within its payment processing environments. Actual funding depends on the selected account setup, transaction activity, banking arrangements, and applicable processing requirements. During the onboarding discussion, merchants can review how settlement works for their payment channels and what information is needed to establish their processing environment.

Yes. Clearwater Processing provides US-based backend phone support available 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’s personal cell phone number, providing a direct point of contact for processing questions and account concerns.