Remote Credit Card Processing Anywhere

Remote credit card processing lets a merchant accept card payments when the customer and business are not together at a physical checkout. Depending on the workflow, payments can be entered through a virtual terminal, collected through an ecommerce gateway, sent through an invoice, or handled through recurring billing. Clearwater Processing can tailor the processing environment to the way your business accepts payments.

Businesses can accept remote card payments through tools such as a web-based virtual terminal, ecommerce payment gateway, invoicing solution, or back-office billing system. The appropriate option depends on whether payments arrive by phone, email, online checkout, recurring subscription, or integrated software workflow. Clearwater Processing offers several of these environments, so merchants can process cards anytime and anywhere, and its representatives can help align the setup with your existing business processes.

Yes. A virtual terminal allows merchants to manually enter card transactions from an internet-connected device, while an ecommerce gateway supports online checkout and API-based processing. Invoicing and back-office billing can also support remote payment collection without requiring a traditional countertop terminal. Clearwater Processing offers these options as part of its broader merchant services platform.

Yes. Clearwater Processing offers recurring billing solutions and back-office billing capabilities for merchants that collect repeating or subscription-based payments. These tools are designed to support ongoing transactions within a broader processing environment that can include comprehensive reporting, PCI compliance solutions, and US-based customer support. Clearwater’s automatic card updating keeps stored cards current as they near expiration, reducing declines and the follow-up calls that come with them.

Yes. Clearwater Processing integrates with QuickBooks and Xero and also provides payment-processing integration for custom-built software applications. Available capabilities can include ecommerce gateways, virtual terminals, back-office billing, reporting, and PCI compliance management. Integration helps connect payment collection with existing accounting or operational workflows without requiring a business to replace its accounting software.

Yes. Remote credit card processing can be secure when it is set up correctly, though security depends on the processing environment, merchant practices, and compliance measures used. Clearwater Processing offers PCI compliance solutions, fraud-prevention best practices, and $100,000 breach protection insurance. Merchants should also follow applicable Payment Card Industry requirements and use secure systems for handling payment information.

Yes. Clearwater Processing reviews merchant statements from providers including local banks and national processors. The analysis is designed to clarify confusing charges and identify hidden fees or savings opportunities. Clients see 10%–30% in total savings on average through statement analysis, although results vary based on the existing account and processing arrangement.

Clearwater Processing provides US-based backend phone support available 24/7/365, along with office hours Monday–Friday 7am–10pm EST and Saturday 8am–10pm EST. Clients also receive direct access to a dedicated representative’s personal cell phone number. Support availability can help merchants address processing questions, account concerns, and payment workflow issues.