Your Rates. Optimized by AI. Every Transaction.
ClearRate AI analyzes every transaction in real time and automatically routes to the lowest interchange rate — so you keep more of every sale.
How AI pricing works
We find your lowest rate before the transaction clears.
Traditional processors lock you into a flat rate and pocket the difference. ClearRate AI reads the card type, transaction size, and merchant category in milliseconds — then routes to the optimal interchange tier automatically. No manual configuration. No rate negotiation. Just the lowest cost, every time.
Our model is trained on billions of transactions across 400+ interchange categories. It gets smarter with every swipe.
Card type
Visa Rewards
Amount
$247.50
Old rate
2.90%
ClearRate AI
1.62%
Optimized rate applied
Get started
Three steps to smarter pricing.
Connect your processor
Link your existing payment setup in minutes. No hardware changes, no downtime.
AI analyzes your transactions
Our model reads card type, amount, and category to find the optimal interchange route.
You save automatically
Lower rates apply in real time. See your savings dashboard update with every transaction.
Merchant stories
Real businesses. Real savings.
"We were paying 2.7% flat for three years. ClearRate AI dropped our effective rate to 1.8% in the first month. That's real money back in our pocket."
Maple & Oak Boutique
Apparel Retail, Portland OR
1.9% effective rate"The dashboard shows me exactly what I'm paying and why. First time I've ever actually understood my processing fees."
Ironside Hardware
Hardware & Home, Austin TX
22% lower fees"Setup took 15 minutes. No contracts, no rep to call. The AI just works — and my monthly statement proves it."
Coastal Running Co.
Specialty Retail, San Diego CA
$380/mo savedStop overpaying. Start in 5 minutes.
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