We Built the Tool We Wished Existed
ClearRate AI was founded by payment industry veterans who spent years watching merchants get overcharged — not through fraud, but through complexity. Flat-rate pricing, bundled fees, and opaque statements make it nearly impossible for a business owner to know what they're actually paying.
We built ClearRate AI to fix that. Our platform uses AI to analyze your card mix, transaction patterns, and interchange categories in real time — then routes every transaction to the lowest possible cost path. The result is true interchange-plus pricing, automated, with no guesswork required on your end.
What We Stand For
Radical Transparency
Every fee is visible, every rate is explained. We never bundle, hide, or inflate. You see exactly what the card networks charge and exactly what we add on top.
AI That Works for You
Our optimization engine runs on every transaction — not just at setup. As your card mix shifts, your rates adjust automatically. No manual reviews, no annual renegotiations.
Merchants First
We don't lock you in. No long-term contracts, no cancellation fees, no setup costs. If we're not saving you money, you should leave — and we make that easy.
Ready to See What You're Actually Paying?
Send us your last three statements. We'll do a free analysis and show you exactly where the savings are — no pitch, no pressure.
Get a Free Analysis