ONLINE STORES & SUBSCRIPTION BUSINESSES
eCommerce Payment Processing Built to Grow Online Sales
Convert more good customers, control fraud and keep your payment operation moving. Clearly brings checkout, merchant accounts, recurring billing and payment expertise together for online businesses in Canada and the United States.
Get an eCommerce Payment QuoteSame-day or next-day funding for eligible accounts. Human technical support, 24/7.
EVERY GOOD PAYMENT COUNTS
Your online checkout
Cards · Digital wallets · Saved payment methods
Clearly Payments
Checkout + authorization + fraud controls
Complete the sale
A clear payment result connected to the order.
Put revenue to work
Funding, reporting and support after checkout.
You worked to win the customer. Make the payment count.
Advertising, merchandising and fulfilment bring a buyer to checkout. Payment friction or a mistaken decline can still cost you the sale. Clearly helps you improve the payment-specific parts of that journey, then manage the money and operations that follow.
Make buying easier
Offer a mobile-friendly checkout, familiar payment choices and saved methods for returning customers.
Accept the right payments
Balance authentication and fraud checks with a good customer’s ability to complete a purchase.
Keep more control
Connect subscriptions, refunds, reports and funding to the way you run the business.
Give shoppers a checkout they can finish
Long forms, unfamiliar payment journeys and repeated card entry create avoidable work for customers. Clearly gives you hosted checkout and integration options that keep payment collection clear on desktop and mobile.
Accept major credit cards and eligible debit cards online. Offer digital wallets such as Apple Pay and Google Pay through the selected checkout integration, and let returning customers use tokenized saved payment methods. Customers get convenient ways to pay without your team building a card vault.
A hosted checkout, branded for your business
Use your logo, colours and order details on a Hosted Payment Page. Send shoppers to hosted card entry and return them to your website with the payment result. Payment links also help collect a balance or complete a sale outside the normal cart.
A checkout connected to your store
Use an existing store integration, a lightbox payment experience or a custom API connection. Keep the order and payment status connected so fulfilment starts from a clear result rather than an email or manual lookup.
Approve good customers. Put the right checks in front of risk.
A decline is not always fraud, and an approval does not make an order risk-free. Clearly helps you review payment responses, checkout data and fraud settings together so your controls protect revenue as well as the business.
Reduce avoidable payment failures
Review decline reasons instead of treating every failed attempt the same way. Incorrect billing details, expired credentials, authentication problems and issuer decisions need different responses. Clear checkout messages help a legitimate buyer correct an issue or choose another payment method.
Use account updater for eligible stored cards and send the transaction and stored-credential information the payment flow requires. Clearly’s payment team helps assess the setup and patterns behind declines. The issuing bank still makes the authorization decision.
Use fraud controls with context
Address Verification Service (AVS), card security-code checks and configurable fraud controls add useful signals to a card-not-present sale. EMV 3-D Secure (3DS2) adds cardholder authentication and exchanges information with the issuer before authorization.
Apply stronger checks to the transactions that need them while keeping the journey practical for genuine shoppers. We help align the checkout, authentication and fraud tools with your product, order values and customer markets.
01
Good customer
Use clear checkout and accurate transaction data.
02
Extra checks needed
Authenticate or review the payment using relevant risk signals.
03
Suspected fraud
Apply the configured controls and investigate the order.
Keep genuine customers moving through checkout with fewer avoidable payment failures and fraud controls that fit the risk. Issuers still decide approvals, and disputes need ongoing management.
Work with your commerce stack, not around it
Your payment integration should carry useful information between the store and payment system. Clearly helps match the connection to your platform, subscription model, currencies and operational requirements.
WooCommerce: more than a pay button
Clearly’s WooCommerce payment integration supports on-site checkout, saved payment methods, refunds and voids from your store. Detailed decline messaging gives your team more information when a payment fails.
WooCommerce Subscriptions and Pre-Orders support connects payment collection to recurring orders and future purchases. Multi-currency options help stores selling across markets. Build the payment plan around the extensions and workflows your store actually uses.
Shopify, BigCommerce, Magento and custom stores
Clearly’s integration portfolio includes Shopify, BigCommerce and Magento, alongside other shopping carts and business tools. Bring your platform and current gateway to the conversation so we can map the right connection before you switch.
For a custom website or application, use hosted payment collection or API integration to connect checkout and order operations. Our team helps you work through transaction handling, testing and the move into production.
Discuss Your eCommerce IntegrationProtect the payment behind your recurring revenue
Subscription boxes, replenishment orders, memberships and repeat purchases depend on a working payment credential long after the first checkout. Clearly connects tokenized card-on-file, billing schedules and credential maintenance so your team spends less time chasing avoidable payment failures.
01
Customer signs up
Collect consent and tokenize the payment credential.
02
Bill on schedule
Charge the agreed subscription or payment plan.
03
Maintain the credential
Account updater refreshes eligible card details.
04
Resolve and reconcile
Follow up on failed payments and track the results.
Make the next purchase easier
A token is a reference to a securely stored payment credential. Your store can use that reference for authorized repeat payments without storing the raw card number in its own customer records. Returning shoppers get a shorter payment journey, and subscriptions have a reusable payment method.
Set up recurring payments and agreed instalment schedules around your billing model. Keep receipts, cancellations and billing status connected to the customer so the payment operation stays understandable.
Keep replacement cards from interrupting billing
Account updater refreshes eligible Visa and Mastercard credentials when participating issuers provide new card numbers or expiry dates. That reduces manual requests for updated details and avoidable interruptions to ongoing payments.
When a payment still fails, use the decline information, notifications and customer follow-up to resolve it. A recovery plan should distinguish a temporary problem from a cancelled card or a customer who needs to update their method.
Sell beyond your home market with a clear payment plan
An international customer should not reach the last step only to discover that your payment setup does not fit their card or currency. Clearly supports international card acceptance and multi-currency payment options for Canadian and US merchants.
Plan the currencies customers see at checkout alongside the currencies you receive in your bank account. CAD and USD payment arrangements help cross-border businesses align sales, suppliers and reporting. Acceptance currency, conversion and settlement are different decisions, and we work through them together.
Review cross-border costs and fraud settings with your customer markets in mind. Make currency and total charges clear before the customer confirms payment, then retain useful currency information in payment and reconciliation records.
THREE DECISIONS TO CONNECT
What the shopper pays
Choose the checkout currency and explain any conversion clearly.
What reaches your account
Set up the appropriate merchant banking and settlement arrangement.
What finance reconciles
Keep the sale, refund, fees and bank deposit traceable.
Connect checkout to fulfilment and funding
An authorization confirms the issuer’s response. Capture, settlement and the deposit into your account are later steps. Connecting those states to the order helps prevent premature fulfilment, duplicate collection and unexplained balances.
01
Checkout
The customer chooses a method and enters payment details.
02
Check & authorize
Risk and authentication checks inform the authorization request.
03
Capture
Submit the approved amount for settlement.
04
Settle
Transactions move through the settlement process.
05
Fund
Proceeds reach the merchant’s bank account.
06
Reconcile
Match orders, payment activity, fees and deposits.
For orders that ship later, authorization and delayed capture can connect charging to fulfilment. Your integration should handle the authorization window, cancellations and changing order amounts. Clearly helps define those payment rules before launch.
Make the work after checkout easier, too
Resolve returns without losing the transaction trail
Find the original transaction, issue a full or partial refund, or void a payment before settlement when appropriate. Connect the result to the order so customer service can see what happened and avoid collecting or refunding the same amount twice.
For chargebacks, keep order details, delivery records, customer communications and payment records organized. Clearly provides dispute support to help you understand the case and respond with relevant evidence within the required timeframe. Fraud tools help prevent problems; evidence and prompt responses help manage disputes that still occur.
Explain the deposit, not just the sales total
Sales, refunds, processing fees, chargebacks and settlement timing can make a bank deposit differ from the day’s orders. Transaction, batch and settlement reporting helps finance follow those differences instead of reconciling by guesswork.
Use searchable records, exports and reporting connections to bring payment data into your accounting workflow. Match order references to payment transactions and trace them through to funding. See how payment reconciliation works.
Put online sales revenue back to work sooner
Get same-day or next-day funding with eligible merchant accounts. Faster access to sales revenue helps you buy inventory, pay suppliers, fund advertising and keep fulfilment moving.
We establish the available funding schedule for your account, including transaction cut-offs and banking conditions. You get a clear view of when proceeds should arrive instead of treating an approved payment as money already in the bank.
Discuss Your Funding and Payment SetupYOUR SALES. YOUR NEXT MOVE.
Online sales
↓ Agreed funding schedule
Working capital
Inventory · Advertising · Suppliers · Payroll
Keep payment costs from quietly eating your margin
A headline rate does not explain the whole bill. Card types, online transactions, international sales, gateway charges, refunds and your pricing model all affect effective processing cost. Clearly helps you understand what you pay and where the setup can improve.
Choose a pricing model you can understand
With Cost Plus pricing, underlying payment costs and Clearly’s published markup are separated so you can see the processor’s part of the charge. Membership pricing is another option for suitable businesses. Compare the models against your volume and transaction mix rather than one advertised percentage.
Bring a recent processing statement. We can review the fees, card mix and current payment setup and explain the proposed costs in a quote for your business. Compare Clearly’s pricing options.
Look beyond the rate
Clearly’s Cost Analysis & Optimization service examines processing costs and the payment operation behind them. Review unnecessary fees, payment channels and configuration opportunities alongside the cost of failed transactions and manual reconciliation.
Review Your Processing CostsBuild the payment flow your business needs
For a custom commerce application, use payment APIs to create transactions, manage authorization and capture, tokenize credentials, look up status and process refunds. Connect payment results to order management instead of making staff bridge the systems manually.
Clearly helps your developers plan the collection boundary, authentication, transaction references and error handling. Test approvals, declines, refunds and interrupted requests before going live. Design event handling and transaction-status checks around the chosen interface so retrying an application request does not become a second charge.
Explore custom payment integration or read how payment gateway APIs work.
Give growing payment volume the attention it deserves
A promotion or seasonal peak puts pressure on more than checkout. Plan payment throughput, fraud review, support coverage, refund operations and reconciliation before demand rises. Clearly works with high-volume online merchants on the account and operational setup behind the sale.
Bring your current acceptance performance, transaction mix, markets and reporting requirements. We can assess the integration and payment costs with your commercial and technical teams. Explore Enterprise payment processing.
Reduce card-data exposure without losing checkout flexibility
Hosted card collection, encryption and tokenization help protect payment credentials and reduce the sensitive data your store handles. Choose the integration around both the customer experience and the security boundary your team wants to maintain.
Keep raw card entry out of your store
Hosted payment collection lets the payment service handle card entry. Tokens support authorized future payments without placing raw card numbers in your customer records. Secure the surrounding website, access and integration as part of that design.
Get practical PCI compliance support
Clearly helps you work through the payment-security requirements for your setup. Outsourcing processing can reduce PCI DSS scope, but it does not remove every merchant responsibility. Your payment channels and integration determine the applicable validation and controls.
Keep your online store connected to the rest of the business
Sell at a shop, pop-up or event as well as online? Clearly supports the wider merchant relationship with payment terminals, mobile payments, Virtual Terminal phone payments and online invoice payments.
Plan how order references, refunds and reporting move between channels. A shared payment partner helps you coordinate the operation while the specific store and POS integration determines which customer and transaction records connect automatically.
Switch with a plan for the store you already run
01
Review
Map the platform, gateway, fees and recurring customers.
02
Configure & test
We configure the account and test the payment scenarios your store relies on.
03
Move carefully
We plan the switch, stored-payment transfer and customer communications with you.
04
Stay supported
Monitor payments, deposits and reconciliation after launch.
Protect the recurring business during the move
We review your gateway, integrations and subscriptions before the switch, then plan a secure stored-card transfer when the payment platforms support it. If credentials cannot move, we help customers update their payment method so recurring billing has a clear path forward.
Clearly helps test checkout, authorisation, refunds, receipts and reporting before the switch. Your customer-service and finance teams get a clear handover, so they can follow the first live orders through to deposits.
Talk to people when payments need attention
Clearly provides implementation and integration assistance, ongoing merchant support and 24/7 human technical support. Get help with payment problems, account questions, funding and the operational issues that do not end when the plugin is installed.
You get a payment partner that brings the merchant account, checkout options, recurring payments, funding and cost review into one conversation. As the business grows, we can help you assess the next payment channel or market.
Plan Your Payment SwitcheCommerce payment questions, answered
What is eCommerce payment processing?
It is the payment service and merchant-account relationship behind an online sale. The checkout collects payment details, the gateway sends the transaction for authorization, and approved captured payments move through settlement and funding. Clearly connects that processing relationship with checkout options, fraud controls, recurring payments and ongoing support.
How can I accept credit cards on my website?
Use a supported shopping-cart integration, a Hosted Payment Page or a custom API connection. Clearly helps choose the route around your platform, checkout experience and payment-security requirements, then sets up the merchant account and payment configuration.
Does Clearly support WooCommerce, Shopify, BigCommerce and Magento?
Yes. These platforms appear in Clearly’s integration portfolio. WooCommerce support includes saved methods, refunds and voids, Subscriptions and Pre-Orders. Bring your platform version and required features so we can match the payment connection to your store. Features are not identical across every integration.
Can customers save cards and pay for subscriptions?
Yes. Tokenized card-on-file supports authorized future purchases and recurring billing. Set agreed schedules and payment plans, maintain eligible stored credentials with account updater and follow up on failed payments using the payment results. Store consent and cancellation information with the customer’s subscription record.
How does Clearly help with fraud and false declines?
Clearly combines fraud controls and payment expertise with tools such as AVS, security-code checks and 3DS2 authentication. We review the payment flow and decline patterns to balance risk checks with legitimate acceptance. Issuers make authorization decisions, and no tool prevents every fraudulent transaction or chargeback.
Can I accept international cards and multiple currencies?
Yes. Clearly supports international card acceptance and multi-currency options for Canadian and US merchants. Plan checkout currencies, conversion, settlement and reporting together. We will establish the appropriate currencies and account setup for the markets your business serves.
How quickly can I receive my online sales revenue?
Clearly offers same-day or next-day funding for eligible merchant accounts. Your account’s funding schedule, transaction cut-offs and banking conditions are established during setup, so you can plan inventory, advertising and supplier payments around the available timing.
What will eCommerce payment processing cost?
Your cost reflects card and transaction mix, processing volume, international activity, gateway services and the pricing model. Clearly offers Cost Plus and Membership pricing options and can review a recent processing statement to prepare a business-specific quote. Compare the total bill, not only the headline rate.
Can I switch without losing existing subscriptions?
Clearly plans the gateway change, store configuration and recurring-payment migration with you. Stored credentials need a supported secure transfer. If a token cannot move between environments, we plan how customers update their payment methods. Testing and a controlled cutover help protect ongoing billing.
Does hosted checkout mean I have no PCI responsibilities?
No. Hosted collection and tokenization can reduce card-data exposure and PCI scope, but merchants still have responsibilities for their website, access and appropriate validation. Clearly provides compliance support and helps you understand the requirements of the selected payment setup.
Make your payments work harder for your online business
Tell us about your store, current processor and the payment problems you want to solve. We will review your checkout, integration, recurring payments and costs, then build a payment proposal around your business.
Get an eCommerce Payment Quote