Meet Clearly Payments

The friendliest payment processor on Earth.

What we do

We offer beautiful, end-to-end payment processing software, hardware, and services to merchants, tech companies, and organizations. 

We help medium to large merchants run their payments beautifully, we help software vendors integrate payments into their applications (SaaS, mobile apps, platforms, eCommerce, and more), and we help organizations generate payment revenue streams by bringing payments in-house.

Our mission is to drive down the cost for merchants to accept payments. Period.

Clearly Payments is the friendliest payment processor on Earth. That’s the goal. We’re getting there by racing prices to the bottom and offering complete transparency on how we operate. Both of these things make traditional credit card processors nervous: change.

We are the first payment processor to adopt a model of radical transparency, something the industry desperately needs. We believe nobody should be paying 2.9% and wait days to get their funds.

Join the vision for a world where payments are free, immediate, global, and frictionless.

How we're doing it

Our first step in the plan is to build a payment processor with an incredibly low cost structure. That takes innovation, so we need strong corporate culture. We keep costs low with:

Virtual teams, cloud software, and a metrics-driven culture to operate our business

Working with the best and lowest cost payment technology providers in the world

Customer acquisition through communities, word-of-mouth, and partnerships.

Our low cost structure allows us to pass on the savings to merchants to cut their costs. We are growing on this front, making merchants happy and saving them money every day. We’ve set it up so even our partners cannot price as low as we do. However, the lifetime value of our customers is just as high as other credit card processors because customers do not leave Clearly Payments. It’s crazy to think that the industry typically sees 30% customer churn per year. We have low customer churn because we offer fantastic payment processing services and competitors cannot undercut our pricing. This is how we are competing today. 

Our second step, which is happening in parallel, will take more time. This is the move to digital currency. In time, this will create a drastic drop in the cost for merchants. This is longer term because it changes the behaviour of both consumers and merchants. The world is moving this way and it will make the transfer of money cheap, immediate, and global.

We’re working to build an exceptional company that is loved by our customers and employees, being guided by strong values and working principles.

Our story

We are entrepreneurs and leaders based in Vancouver, Canada, with a long history in payments and financial technology. We know first-hand the struggles that merchants, software companies, and organizations have with payments. At its core, the big problems in payments are 1) the high prices and fees and 2) the black box of how payments works. We started Clearly Payments to solve these and become the friendliest payment processor on Earth.

Our team’s operational expertise is in revenue growth, product, and finance. This puts us in an ideal position to grow Clearly Payments and fulfill our vision of a world where payments are immediate, free, global, and frictionless. We have many scars from growing businesses and leading teams. We have made many mistakes. We have seen it done wrong and we’ve seen it done right. All of this makes us stronger and more equipped to help our customers.

Even though we align on where we are taking Clearly Payments and we have the skills that allow us to execute, there is something more fundamental that ties us together. It’s why we are growing this business together. We are building an organization based on values and putting customers ahead of ourselves. Our path to get there will continually evolve, but our values are constant.

What we believe

Commitment to our customers

We believe no merchant should be paying 3% to 6% of all their hard-earned sales to credit card companies. We want to drive that price down and eventually take it to zero. It shouldn’t be complicated or confusing to know how much it costs to accept payments.  Credit card processing should be simple and transparent. 

We believe that we can make every customer experience meaningful and enjoyable. We believe that people shouldn’t be treated like a number but rather as human beings. We are trying really hard to be something different. Not just words or platitudes. We think there is a better way.

Leadership Team

Clearly Payments leadership team

Kalle Radage


Kalle Radage is a tech entrepreneur and leader focused on software, mobile, and fintech.  Kalle co-founded Clearly Payments and Neptune Digital Assets. In the past, he has run startups and large groups in enterprises and also was a venture capitalist. He strives to build teams and products that people love. He has a BSc in Computer Science and a MBA.

Chris Farmer Clearly Payments

Chris Farmer


Chris Farmer comes from a background in finance and technology sales, marketing and customer success. His previous experience has seen him lead and grow businesses by building a strategy that focuses on customer experience and by sustaining long-term partnerships. Chris has a degree in Psychology and a diploma in Business Management.

Ben Yua


Ben Yua is a Clearly Payments board member and partners with the executive team on its long-term strategic plan. Previously, Ben spent time at another payments company as a key member of the senior leadership team. Ben comes from a finance background as a Chartered Professional Accountant and Chartered Accountant.

Our Values

Super Friendly

To each other and our customers

Straight up

Tell it like it is and don’t let things linger

Bias for action

When in doubt, keep moving forward


We always have something to learn

Independent thinkers

Don’t be afraid to go against the grain

Our Culture

Company culture is about values and attitudes of employees in the business. A culture contributes to achieving a great business, but it can also hinder it. Culture is the only truly unique aspect of a business – products, branding, and services can be replicated. Culture is a complex formula, like DNA. That’s why we put so much effort towards it.

We believe that culture is the collection of values, behaviours, and incentives of an organization. Working within an organization with a strong culture will help you be more successful.

Clearly Payments Careers

Great people are the core of a great business. We want to attract people that are obsessively helpful and are willing to continually learn. They aspire to be entrepreneurs and business leaders.