PAYMENTS LEADERSHIP
About Clearly Payments
Clearly Payments is an award-winning payment processor that offers merchant accounts, gateways, terminals and software integrations for online and in-person payments. We help businesses and platforms choose the right setup, understand costs, and keep payments running.
Accounts to operations
Merchant accounts, gateways, hardware, and integrations
Canada + U.S.
Merchant, platform, and banking relationships
Payments expertise
Leadership across payments, technology, and finance
OUR PURPOSE
Payments should be easier to understand.
Clearly Payments was founded in 2018 to make payments easier to understand: clear pricing, practical technology and people who know the industry.
Payment decisions affect software, reporting, cash flow and operating costs. We connect merchants, software platforms and payment partners, and explain how those choices fit together.
PAYMENTS INFRASTRUCTURE
An understanding of the whole payments system.
A payment connects merchant acquiring, gateways, terminals and software to card networks and banking partners. Authorization is one step; settlement, funding and transaction reporting complete the operating picture.
Principles that guide the work.
Aim for radical transparency
Explain what a merchant pays, where the costs come from and what can be improved. Be clear about what we know and what still needs checking.
Listen, measure, learn and teach
Start with the merchant’s experience, test assumptions and share what we learn. Expertise should make decisions clearer for everyone involved.
Use the 80/20 rule
Find the few changes that make the biggest difference. Put time into payment costs, reliability and operational needs before adding complexity.
Put energy into opportunities
Be honest about problems, then work toward a practical next step. Look for better ways to help merchants, platforms and partners move forward.
LEADERSHIP
Experience across payments, technology and finance.
Kalle Radage
CHAIRMAN
Kalle is a technology entrepreneur, executive, and investor with experience scaling startups, leading teams at global enterprises, and working in venture capital. He is Chairman of Clearly Payments and serves on multiple corporate boards. His expertise spans business strategy, capital markets, and governance. He holds a degree in Computer Science and an MBA.
Chris Farmer
CHIEF EXECUTIVE OFFICER
Chris is Chief Executive Officer of Clearly Payments, with extensive experience in financial technology, merchant services, and business leadership. He has led teams across sales, technology, and customer operations, with a focus on business growth, strategic partnerships, and customer experience. He holds a degree in Psychology and a diploma in Business Management.
Ben Yua
CHIEF FINANCIAL OFFICER
Ben is CFO of Clearly Payments with extensive experience in financial management, accounting, and corporate finance. He has held senior financial leadership roles in the financial technology sector, with expertise in capital planning, financial reporting, regulatory compliance, and strategic financial management. He holds the Chartered Professional Accountant and Chartered Accountant designations.
HOW WE THINK
Our view of the payments industry.
01
Pricing should not need decoding.
Interchange, network charges and processor fees play different roles. Merchants should see what each costs, what can change and what they can negotiate, without needing specialist knowledge.
02
A more capable stack is harder to assemble.
Gateways, APIs, wallets and software platforms create more options. They also create dependencies. The checkout, processor, reporting and support model need to work together, not just pass a feature checklist.
03
Fit matters more than feature count.
Start with payment flows, software, operations and economics. A hosted checkout may be enough; a platform may need APIs and tokenized profiles. Add complexity only when it solves a business need.
Talk to people who know payments.
Planning a new setup, reviewing your processor or trying to make sense of the costs? Bring your questions. We’ll help you work through them.