Merchant Credit Card Processing Services

A credit card processing company provides the merchant account, technology, and support that let a business accept card payments and receive its funds. Clearwater Processing has built tailored processing environments since 2003, including standalone terminals, ecommerce gateways, virtual terminals, recurring and back-office billing, reporting, and PCI compliance support.

Clearwater Processing offers tailored merchant accounts, standalone terminal processing, ecommerce payment gateways, virtual terminals, back-office billing, recurring billing, invoicing, reporting, PCI compliance solutions, statement analysis, and custom software integrations. Available capabilities vary by processing environment, so the solution can be structured around in-person, online, remote, recurring, or integrated payment collection.

Yes. Clearwater Processing provides ecommerce payment gateways with simple API integration for accepting card payments online. The gateway includes built-in PCI compliance capabilities, comprehensive reporting, next-day funding, breach protection insurance, and US-based support. Businesses can discuss how the gateway should connect with their website, platform, or custom application.

A virtual terminal is a web-based tool that allows merchants to manually enter and process card transactions from an internet-connected device. It can support card-not-present payments collected by phone, email, or other remote channels without requiring a physical terminal for every transaction. Clearwater includes virtual terminal capabilities within its broader merchant services suite.

Yes. Clearwater Processing reviews merchant statements from banks, processors, and other payment providers to explain charges and identify confusing line items or hidden fees. The company reports that clients average 10%–30% savings through statement analysis, but results vary by account and processing activity. The review can help merchants make a more informed decision about their processing environment.

Yes. Clearwater Processing offers recurring billing and back-office billing capabilities for businesses collecting repeating or subscription-based payments. Automatic card updating replaces customers’ soon-to-expire card details in the background, saving time and keeping subscription revenue on track. These services can support payment environments with reporting, PCI compliance solutions, and card acceptance capabilities. Businesses can discuss their billing model and the systems involved to determine the appropriate configuration.

Clearwater Processing provides PCI compliance solutions built around secure transaction practices and fraud-prevention best practices, along with the program’s $100,000 breach protection insurance. Clearwater also works with trusted partner companies, backed by some of the largest financial institutions in the country, that offer chargeback insurance, while helping merchants mitigate chargeback losses directly.

Each merchant account is paired with a dedicated representative whose personal cell phone number goes directly to the client. Office hours are Monday through Friday from 7am to 10pm EST and Saturday from 8am to 10pm EST, and US-based backend phone support is available 24/7/365 for anything that comes up after hours.