How ClearRate AI Finds Your Lowest Rate
Every transaction is a new opportunity to save. Our AI evaluates hundreds of variables in real time and routes each sale through the lowest available interchange category — automatically.
Four Steps. Every Transaction.
The entire optimization cycle happens in under 100 milliseconds — invisible to you and your customers, but visible on your bottom line.
AI Analyzes Your Transaction
The moment a card is presented, our AI engine reads over 200 data points — card type, issuing bank, transaction category, time of day, and more — in under 50 milliseconds.
Traditional processors apply a one-size-fits-all rate. Our model understands that a corporate Visa card processed at 9 AM on a Tuesday has a completely different cost profile than a consumer Mastercard on a Saturday night.
200+ data points analyzed per transactionRate Optimization Engine Fires
Our proprietary routing algorithm evaluates every available interchange category in real time and selects the path that minimizes your cost — before the transaction clears.
Interchange has over 700 rate categories. Most processors pick one and call it done. We continuously evaluate all of them and route to the lowest qualifying rate automatically.
700+ interchange categories evaluated instantlyTransaction Clears at the Lowest Rate
The optimized transaction clears through the network at the lowest possible interchange rate. No manual intervention, no batch processing — it happens automatically on every single sale.
The entire process — analysis, optimization, routing — happens in the background with zero latency impact on your checkout experience. Your customers never notice a thing.
Zero latency impact on checkoutSavings Reported in Real Time
Your dashboard shows exactly how much you saved on each transaction, what rate was applied, and what you would have paid with a standard processor. Full transparency, always.
No mystery fees, no confusing statements. Every line item is explained. You can drill down to any transaction and see the exact optimization that was applied and the dollars saved.
Full per-transaction savings breakdownClearRate AI vs. Traditional Processors
The difference isn't just technology — it's a fundamentally different business model.
PCI DSS Level 1 Compliant
Highest security standard
Sub-100ms Optimization
Zero checkout latency
23% Average Savings
Across 10,000+ merchants
Common Questions
Everything you need to know before getting started.
Do I need to change my payment terminal or POS system?
In most cases, no. ClearRate AI integrates at the processor level, so your existing hardware and software continue to work exactly as before. Our team handles the integration.
How long does onboarding take?
Most merchants are live within 3–5 business days. Our onboarding team handles the technical setup and provides a free analysis of your current processing costs before you commit.
What card types does the AI optimize?
All major card networks — Visa, Mastercard, American Express, and Discover — across consumer, business, corporate, rewards, and government card categories.
Is there a minimum processing volume?
We work best with merchants processing $10,000/month or more, where the savings are most meaningful. Contact us for a free analysis of your specific situation.
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