Clear Swipe

• Zero-Fee Credit Card Processing (Clear Away Fees Program)
• Hardware, Software, and Processor Agnostic
• Versatile Payment Solutions
• Industry-Independent Solutions

Zero-Fee Credit Card Processing (Clear Away Fees Program)

One of Clear Swipe’s most compelling and innovative features is the Clear Away Fees program, which enables businesses to completely eliminate credit and debit card processing fees. This program offers a fresh approach that benefits both merchants and customers by introducing a dual pricing model. Instead of absorbing the substantial transaction fees typically charged by credit card processors, businesses can offer discounted pricing for cash payments and standard pricing for customers who choose to pay via credit or debit cards.

This dual pricing strategy is fully compliant with legal regulations in all 50 states, which is crucial given the complex and varied laws surrounding payment processing fees. Transparency is a core principle of the program—businesses openly communicate the difference in pricing to customers at the point of sale, ensuring no surprises or hidden fees. This clarity fosters trust and encourages cash payments, which help businesses avoid processing fees entirely.

By adopting the Clear Away Fees program, businesses often save thousands of dollars annually on processing fees, significantly improving their profit margins without having to increase prices across the board. Many merchants experience improved cash flow and more competitive pricing for cash customers, ultimately boosting customer satisfaction and loyalty.

Key Benefits:

• Legally compliant in every state
• Transparent dual pricing model at checkout
• Reduces costs associated with credit card processing fees
• Improves profitability and cash flow
• Encourages customers to use lower-cost payment methods

This program particularly benefits small to midsize businesses where margins are often tight, making fee elimination a game-changer for financial stability.

Hardware, Software, and Processor Agnostic

Clear Swipe sets itself apart with a high degree of flexibility by being hardware, software, and processor agnostic. Unlike many payment solution providers that require businesses to purchase proprietary hardware or lock them into specific processors, Clear Swipe allows clients to retain their existing Point of Sale (POS) systems and payment terminals. This approach eliminates the disruption and added cost of upgrading hardware, which can be a significant expense and logistical challenge for businesses.

With Clear Swipe, merchants have the freedom to choose or switch credit card processors without the hassle of changing their entire payment setup. This flexibility provides businesses with greater negotiating power to find the best processing rates or customer service, ensuring they aren’t locked into one provider that might not meet their evolving needs.

This open ecosystem approach makes Clear Swipe ideal for businesses with established infrastructure looking to improve their processing costs without starting over. It also provides peace of mind that future changes in technology or payment processors won’t require costly equipment overhauls.

Advantages of being agnostic include:

• Retain current POS and payment hardware
• Avoid large upfront costs for new equipment
• Freedom to choose or change payment processors anytime
• Minimal disruption during onboarding or transitions
• Compatibility with a wide range of software platforms

This vendor-neutral approach makes Clear Swipe highly adaptable, serving businesses of all sizes and types with ease.

Versatile Payment Solutions

Clear Swipe offers a broad range of payment options and integrations, enabling businesses to tailor their checkout processes to customer preferences and industry demands. This versatility is essential in today’s fast-evolving payment landscape, where customers expect multiple convenient ways to pay.

Clear Swipe supports:

• Virtual terminals that allow businesses to accept payments remotely via phone or computer, perfect for service-based companies or those handling orders offsite.
• ACH payments, which are low-cost bank-to-bank transfers, providing an affordable alternative for high-value transactions.
• Pay-by-text functionality, allowing customers to receive a payment request via text message and complete transactions contactlessly, which is especially valuable in the post-pandemic era.
• E-commerce integration, making it easy to accept online payments securely and efficiently through existing websites or online stores.
• Point-of-sale customization for different industries such as retail, restaurants, healthcare, auto repair, and professional services.

This comprehensive suite of payment methods means Clear Swipe can serve businesses of every size—from solo entrepreneurs to large enterprises—and industries with unique needs. The flexibility to combine traditional POS with modern digital payments ensures merchants stay competitive and meet customer expectations.

Highlights include:

• Support for in-person, remote, and online payments
• Contactless options for safety and convenience
• Integration with existing systems and workflows
• Industry-specific solutions for optimized payment experiences

With Clear Swipe’s versatile platform, businesses can future-proof their payment processes, increase customer satisfaction, and streamline operations seamlessly.

Industry-Independent Solutions

Whether you're in retail, hospitality, auto repair, healthcare, or professional services, Clear Swipe has industry-specific solutions that cater to your business model. Their adaptable platform makes it easy to align with unique workflows and customer needs.

• Dual Pricing Model May Not Suit All Customers or Businesses
• Dependence on Customer Willingness to Pay Cash
• No Proprietary Hardware or Software Means Reliance on Third-Party Equipment

Dual Pricing Model May Not Suit All Customers or Businesses

While Clear Swipe’s Clear Away Fees program offers the advantage of eliminating processing fees through a dual pricing model, it may not fit every business or customer base perfectly. Some customers may be uncomfortable with paying different prices depending on the payment method, which can cause confusion or dissatisfaction. This model requires clear communication at checkout to avoid misunderstandings.

Certain businesses in highly competitive markets might find it challenging to justify higher prices for card payments when competitors absorb fees or offer flat pricing. This could potentially lead to lost sales if customers perceive the pricing as unfair or inconvenient.

Dependence on Customer Willingness to Pay Cash

The cost-saving benefit of Clear Swipe largely depends on customers choosing cash or other fee-free payment methods. In today’s increasingly cashless society, many consumers prefer the convenience and rewards of credit cards or digital payments. If customers primarily use cards, businesses might see less benefit from the program and still incur processing fees.

Businesses serving demographics that rarely carry cash or prefer digital wallets might struggle to maximize savings with Clear Swipe’s fee elimination strategy.

No Proprietary Hardware or Software Means Reliance on Third-Party Equipment

Clear Swipe’s agnostic approach means it doesn’t provide proprietary hardware or software. While this offers flexibility, it also means businesses must ensure their current systems are compatible and up to date. Older or outdated hardware or POS systems may experience integration issues or lack some advanced features that come bundled with vendor-specific solutions.

Some clients may need to invest in minor upgrades or technical support from third parties to fully leverage Clear Swipe’s offerings, which could add to upfront or ongoing costs.