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Lower your credit card
processing fees

Our customers tell us we’re the best payment processor they have worked with. We get it. We work hard at being one of the good ones.

The best payment processing in Canada and USA with world-class service and lower fees. Period.

We help merchants accept credit cards online, in your store or office, and while mobile. We deliver the end-to-end payments solution including credit card machines, payment gateway, and a merchant account. Learn more about our mission to offer the best service with low credit card processing fees.

Payment Solutions

Payments for Retail, Restaurants, & Offices

We have solutions for retail, restaurants, offices, and services businesses to accept debit cards, credit cars, and gift cards.

Our carefully selected line of payment terminals and point-of-sale systems allow you to easily and securely process payments. They are incredibly easy for staff to learn and there is 24/7 customer support always at your side.

Online Payments, SaaS, eCommerce, & Integrations

We help your customers shop via desktop, smartphone, or tablet. Our internet payment gateway enhances your customer experience, minimizes any risk, and improves cash flow.

Our eCommerce solution lets you easily integrate into your website or software platform and leverage features such as recurring payments, invoicing and hosted payments.

Mobile & Wireless Payments

While being mobile, you can use either a dedicated wireless credit card machine or a mobile payment app directly on your smart phone. Mobile payments are fast and secure. They support swipe, EMV chip & PIN, tap, and Apple Pay. Your funds are then deposited into your bank the same day or next day.

Payment Processing Products

POS (Point-of-Sale)

A complete POS system (point-of-sale) for restaurants, retailers, or service businesses. It can be a mobile POS or countertop. Full capabilities to manage product inventory, modifiers and variations, table & kitchen workflow, scheduling, and more. There's also a full set of POS stands, receipt printers, and barcode scanners.

Credit Card Machines

The best credit card machines from Clearly Payments are wired or wireless with chip and pin, tap to pay (i.e. Apple Pay), and swipe. They're the most reliable credit card machines for payment processing and ready for your store, office, or mobile business. You can accept all credit cards, debit cards, and Interac.

Virtual Terminal

Clearly Payments will turn your PC, computer or tablet into a credit card terminal. All you need is an internet browser for a virtual terminal. This means no extra hardware to purchase. You can take single payments, set up recurring payments, email receipts, and store customer information.

Email Invoicing

Email invoicing makes collecting payments easier for you and your customers. You create an invoice branded to your company, your customer receives an email with a “pay now” button. They pay with a credit card and you're notified immediately. You get your funds in less than a day. It's that simple.

Online Payments

Our online payment gateway and APIs integrate to your website, shopping cart, or platform for credit card processing. If you have custom software, SaaS platform, or mobile app, we work with that too. We fully take care of security like PCI compliance, fraud detection, credit card storage and more.

Recurring Payments

Create precise recurring payment plans for subscription billing, from simple monthly plans with a set amount to plans that can accommodate instalments. A simple tool gives you full control of the payment experience. There is also a full suite of developer tools to integrate recurring payments into your systems

Clearly Payments saved us money with the lowest payment processing fees and helped us along the way. I thought we had good rates until I switched my merchant account. Thankfully I was up and running within 2 days. Everything worked wonderfully.
Kurtis B, CEO, Red Ram

Why Us?

Why are so many people switching
to a Clearly Payments merchant account?

Our vision is to be the friendliest and best payment processor on Earth. We believe that the cost to accept credit card payments is too high. Our mission is to drive down those costs while providing world-class service. That will help us become the best credit card processor.

The lowest payment processing fees. Period.

We pass interchange fees at wholesale and use transparent pricing models. Our low cost structure allows us to pass those incredible savings to customers.

No locked-in contracts. Ever.

We earn customer trust with every transaction and interaction. No need for binding contracts and painful cancellation fees.

Waves and water

Full transparency. Always.

We chose the name Clearly Payments for a reason. No hidden fees, no complicated terms. We believe in radical honesty and transparency.
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Your funds are deposited in less than a day

We offer super fast deposits (same day funding) and can get you signed up and onboarded as soon as within a couple of hours.

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Payment technology that simply works

Our payment technology and credit card machines from world-class payment providers complete more than 3 billion transactions per year with over one million merchants. It’s proven, secure, and it simply works.


A membership plan with wholesale rates

We are one of the first payment processors to offer a simple membership pricing model or you can choose our simple, affordable cost plus pricing. Either way, you save.

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Start Accepting Credit Cards Today

We’ll make your credit card processing simple, low cost, and stress free

Recent Articles

An Overview of the Payments Code of Conduct in Canada

An Overview of the Payments Code of Conduct in Canada

The Payments Code of Conduct in Canada was created to bring fairness and transparency in the payment industry. It is structured into multiple sections targeting specific aspects of payment processing and merchant services for debit cards and credit cards.  This article covers the sections of the Canadian Code of Conduct,

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Clearly Payments Helps Merchants of All Sizes Thrive Through Lower Fees and Attentive Service

A Review of Clearly Payments by

We are thrilled to be featured on! A big thank you to the CardRates team for their thoughtful review of our services and commitment to providing transparent and low-cost payment processing solutions. This recognition motivates us to continue helping small and medium-sized businesses thrive.  Check out the full article

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USA vs Canada Interchange Rate Comparison for Payments

Interchange rates are a cost for credit card transactions for merchants. Interchange is the revenue for credit card companies and issuing banks.  Canada and the USA have a big overlap in purchasing habits and trends in payments. The two countries also have some big differences on how payment processing fees

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