Simple, honest pricing
No hidden fees. No surprises. No contracts. Choose flat-rate for simplicity or interchange-plus for savings.
Starter
For new businesses and low-volume merchants
Up to $10K/mo
Flat rate: 2.9% + $0.30
- Authorize.net gateway access
- Accept.js integration (web)
- Virtual terminal (manual entry)
- Basic fraud filters
- Email support (24h response)
- Standard reporting
- 1 user account
Growth
For established businesses scaling up
$10K – $100K/mo
Flat rate: 2.5% + $0.25
IC + 0.15% + $0.08
- Everything in Starter, plus:
- Advanced Fraud Detection (AFDS)
- Card vaulting (CIM)
- Recurring billing (ARB)
- Phone + chat support (4h response)
- Advanced reporting & analytics
- Webhook notifications
- 5 user accounts
- Dedicated onboarding specialist
Enterprise
For high-volume and complex requirements
$100K+/mo
IC + negotiable
- Everything in Growth, plus:
- Custom interchange-plus markup
- Custom integration support
- Dedicated account manager
- Priority support (1h SLA)
- Custom reporting
- Multi-location support
- Unlimited users
- Quarterly business reviews
How much will I pay on a $100 sale?
Here's exactly what you'd pay on a $100 transaction using our Growth interchange-plus rate (IC + 0.15% + $0.08). No hidden math.
| Card Type | Interchange | Our Markup | Total Fee | Eff. Rate |
|---|---|---|---|---|
| Visa Debit | 0.05% + $0.22 | 0.15% + $0.08 | $0.35 | 0.35% |
| Visa Credit | 1.51% + $0.10 | 0.15% + $0.08 | $1.74 | 1.74% |
| Visa Rewards | 1.65% + $0.10 | 0.15% + $0.08 | $1.88 | 1.88% |
| Mastercard World | 2.50% + $0.10 | 0.15% + $0.08 | $2.73 | 2.73% |
| Amex OptBlue | 1.85% + $0.10 | 0.15% + $0.08 | $2.08 | 2.08% |
Flat-rate comparison
$2.90
At 2.9% + $0.30 (Stripe/Square)
Our flat rate (Growth)
$2.75
At 2.5% + $0.25
Our IC+ (Growth avg.)
~$1.76
Varies by card type
* Based on a $100 card-not-present (online) transaction. Actual interchange varies by card type, issuing bank, and transaction method. Debit cards typically cost much less.
Volume discounts — grow and save
As your processing volume increases, your rates automatically decrease. No renegotiation needed.
| Monthly Volume | Flat Rate | IC+ Markup |
|---|---|---|
| Under $25K/mo | 2.9% + $0.30 | 0.20% + $0.10 |
| $25K – $50K/mo | 2.7% + $0.25 | 0.18% + $0.09 |
| $50K – $100K/mo | 2.5% + $0.25 | 0.15% + $0.08 |
| $100K – $250K/mo | 2.3% + $0.20 | 0.12% + $0.07 |
| $250K+/mo | Custom | Custom |
Feature comparison
Everything included at each tier — no surprises.
| Feature | Starter | Growth | Enterprise |
|---|---|---|---|
| Authorize.net gateway | |||
| Accept.js / hosted checkout | |||
| Virtual terminal | |||
| Basic fraud filters | |||
| Interchange-plus pricing | |||
| Advanced Fraud Detection (AFDS) | |||
| Card vaulting (CIM) | |||
| Recurring billing (ARB) | |||
| Webhook notifications | |||
| ACH / eCheck payments | |||
| Level 2/3 data processing | |||
| Multi-location support | |||
| Dedicated account manager | |||
| Custom integrations | |||
| User accounts | 1 | 5 | Unlimited |
| Support response time | 24h email | 4h phone/chat | 1h SLA |
See what you'd actually pay
Use our calculator to estimate your monthly costs and see how much you could save compared to your current processor.
Calculate Your Savings
See how much you could save by switching to ClearPay.
Fees we'll NEVER charge
Unlike traditional processors, we don't nickel-and-dime you with hidden fees.
Frequently asked questions
What is interchange-plus pricing?
Interchange-plus pricing passes through the exact card network fees (interchange) plus a small fixed markup. This is the most transparent pricing model and typically results in lower costs for merchants processing over $10K/month. On our Growth plan, that markup is just 0.15% + $0.08.
Flat rate vs interchange-plus — which should I pick?
Flat rate is simpler and predictable — every transaction costs the same. Interchange-plus saves money on debit cards and standard credit cards but varies per transaction. If you process mostly debit or standard credit, IC+ wins. If you process lots of rewards/corporate cards, flat rate may be simpler. Growth plan lets you choose either.
Are there any contracts?
No. All plans are month-to-month. You can cancel anytime with no early termination fees or penalties.
How do I know which tier is right for me?
Starter is best for new businesses or those processing under $10K/month. Growth is ideal for $10K-$100K/month with features like recurring billing and interchange-plus pricing. Enterprise is for $100K+/month where custom rates provide significant savings.
Can I upgrade or downgrade later?
Yes, you can change your plan at any time. Upgrades take effect immediately; downgrades take effect at the start of your next billing cycle.
What payment methods do you support?
We support all major credit and debit cards (Visa, Mastercard, American Express, Discover), as well as ACH/eCheck payments on Growth and Enterprise plans.
Is there a setup fee?
No. There are no setup fees, no application fees, and no hidden charges. The monthly fee and transaction rates are all you pay.
Do volume discounts apply automatically?
Yes. We review your processing volume monthly and apply the best available rate. No need to renegotiate — as you grow, your rates improve automatically.
Still have questions?
Get a custom quote for your business or chat with our team.