CLR✦
OPENING SECURELY
THE CLEARER SIDE OF COMMERCE
Your payments.
A clear advantage.
From the first statement to the next location. One connected financial platform for the business you’re building.
Transparent economics·One merchant record·Guided from day one
BUILT AROUND YOUR BUSINESSMore time for
what you do best.
YOUR BUSINESS. CONNECTED.Meet your CLR workspace.↗what you do best.
01 / CLARITY
Understand every dollar.
Live scenarios make rates, fees, and savings easy to compare.
Explore financial intelligence →02 / CONTINUITY
One file. Every next step.
Application, documents, onboarding, and support stay connected.
Follow the merchant journey →03 / CONTROL
Focus on what needs you.
A command center for relationships, opportunities, and decisions.
Open the owner demonstration →FREE STATEMENT REVIEW / SECURE INTAKE
Today's cost.
Translated instantly.
Start with two numbers from your statement. CLR turns them into one plain-English answer, then shows exactly what a small rate change means in monthly and annual dollars.No full application required No commitment One reference from review to onboarding
CLR COST TRANSLATORTRY THE EXAMPLE
Plain-English fee intelligenceI have my:
Not sure which number to use? Upload a statement and CLR will calculate it.
YOUR ANSWEREXAMPLE - CHANGE THE NUMBERS
Your modeled processing cost is about$2,750/month$33,000 per year if volume and rate stay the same.
$100,000×2.75%=$2,750
That is about $2.75 for every $100 in card sales.
A 0.10 percentage-point change$100/month$1,200 over 12 months
Example: 2.75% to 2.65%. This is a rate-change illustration, not promised savings.
In person✦Online✦Mobile✦ACH✦Recurring✦In person✦Online✦Mobile✦ACH✦Recurring✦
MERCHANT FIRSTCLRPAYMENTS BUILT AROUND YOU
ABOUT CLR / MERCHANT ADVOCACY
Built to represent the merchant.
Ready to begin.
CLR Financial is now accepting statement reviews, merchant consultations, and new account applications. We start with how your business actually operates, then build a clear processing plan around it.
CLR keeps the merchant relationship visible: pricing clarity, application coordination, equipment planning, portfolio support, reporting, and escalation stay connected from the first review through go-live.
CLR BOARDING OS / ONE CONNECTED PATH
From statement
to live account.
Nothing starts over.
Most processors hide the handoffs. CLR connects them. Your review, application, documents, equipment choices, underwriting requests, and launch plan stay attached to one merchant record from the first click forward.
CLR BoardingInteractive demo · synthetic data
60% readyMerchant fileNorthstar Wellness Group
✓ One recordScottsdale, Arizona · Review imported
Selected workspace
Clean underwriting file
Conditions and decisions remain visible without restarting the application.
- Owner
- CLR operations
- Next action
- Review bank letter
- Attached
- 1 exception
PAYMENT SOLUTIONS
One relationship.
Every way to pay.
From the countertop to the checkout page, CLR builds the processing setup around how you sell today, and where your business is going next.
In-person commerce
Modern terminals and point-of-sale options built to keep customers moving and operations connected.
Digital payments
A clear path to accepting payments through your website, virtual terminal, invoices, and payment links.
Recurring revenue
Flexible ways to manage memberships, subscriptions, repeat payments, and bank transfers.
WHITE CLOVER HARDWARE / CONFIGURED BY CLR
Good equipment should disappear into the work.
Countertop, customer-facing, and handheld Clover options are configured around the flow of your business, not dropped in as a generic box.
Explore equipment →
COUNTER + CUSTOMER DISPLAYMOBILE + TABLESIDETHE NUMBER BEHIND THE NUMBER
Most of your rate is fixed.
The rest should be clear.
Interchange goes to card-issuing banks. Assessments go to the card networks. CLR separates those pass-through costs from the processing margin so you can see the part of your bill that can actually change.
Where your fees goIllustrative breakdown · not a quote
Estimated monthly card cost$2,750
2.75% effective rateProcessing margin
The visible processing layer CLR can evaluate and explain separately.
HOW CLR PRICES
Pass-through costs.
No pass-through fog.
Your statement combines several different costs into one intimidating total. CLR maps the issuing-bank interchange, card-network assessments, processing infrastructure, transaction charges, and account fees separately.
That gives us an honest baseline. Then we build pricing, equipment, and service around your actual volume, average ticket, card mix, and sales channels.
Run the numbers →THE CLR STANDARD
Clarity at every layer.
Statement intelligence
We establish your real effective rate, fixed costs, transaction mix, and avoidable margin before recommending anything.
Transparent pricing
Pass-through card costs and the processing margin are explained separately, with no manufactured mystery.
Guided switching
CLR coordinates underwriting, equipment, gateway setup, testing, training, and cutover around the business you already run.
Human escalation
When deposits, terminals, chargebacks, or integrations need attention, you have a relationship, not a support maze.
CLR COST TRANSLATOR / SCENARIO EXPLORER
See today's cost.
Then test the what-ifs.
No processor jargon. No mystery percentages. Change the numbers and see the monthly and annual impact immediately.CLR COST TRANSLATORTRY THE EXAMPLE
Plain-English fee intelligenceI have my:
Not sure which number to use? Upload a statement and CLR will calculate it.
YOUR ANSWEREXAMPLE - CHANGE THE NUMBERS
Your modeled processing cost is about$2,750/month$33,000 per year if volume and rate stay the same.
$100,000×2.75%=$2,750
That is about $2.75 for every $100 in card sales.
SCENARIO EXPLORER
Illustration only - not a quote or savings guarantee.See what a rate move actually means.
Illustrate a change of
A 0.10 percentage-point change means$100/month$1,200 over 12 months if volume stays the same.
In plain English: moving from 2.75% to 2.65% changes the modeled monthly cost by about $100.
BUILT FOR THE REAL WORLD
Different businesses move money differently.
Your equipment, gateway, sales channels, and support should make sense for the business you actually run.
Restaurants & bars
Fast-moving payments for the controlled chaos of service.
Medical & wellness
Thoughtful payment options for practices, clinics, and med spas.
Retail & eCommerce
A connected checkout from the storefront to the shopping cart.
Professional services
A clearer way to collect invoices, deposits, and recurring fees.
THE MERCHANT COMMUNITY
Different doors.
Same ambition.
From the Saturday rush to appointment books and project invoices, CLR meets the business where the work actually happens.
RESTAURANTS + HOSPITALITY
A full room. One calm checkout.
RETAIL + ECOMMERCE
The storefront and the next order.
PERSONAL SERVICES
Built around the appointment book.
PROFESSIONAL SERVICES
Deposits, invoices, and the work ahead.
THE CLR SWITCH DESK
Change processors.
Not your rhythm.
- 01We map the current setup.
We review the statement, contract, equipment, gateway, integrations, deposits and timing before anything moves.
- 02You self-board once.
Business, ownership, banking, identity, documents, and authorization enter one guided application and private CLR Passport.
- 03Qualified routes compete.
With your authorization, CLR presents the same file to participating processing relationships and normalizes the returned pricing, funding, reserves, equipment, and contract terms.
- 04CLR manages the cutover.
After you choose an offer and complete its final provider agreement, we coordinate equipment, configuration, training, testing, and the go-live date.
MORE THAN PROCESSING
Your business should never have to start over.
CLR Passport™ keeps your business file and verification records organized and reusable, from comparing qualified processing routes through the account changes and opportunities that come next.
Provide once.
Business, ownership, banking, identity, and formation records enter one secure profile. CLR and authorized providers verify them as required.
Build history.
Processing volume, funding history, disputes, and account performance add continuity over time.
Move faster.
Stay prepared for additional locations, equipment, merchant accounts, and future opportunities.
CLR Passport™Interactive demo · synthetic data
Private profileVerified business
✓ VerifiedNorthstar Wellness Group
Scottsdale, Arizona · Demo record 1048
94Merchant readinessDemo score
START HERE
Build what's
next.
Prepare your merchant file through CLR's secure onboarding system. Business details, ownership, identity, banking, documents and certification stay inside one connected flow. CLR reviews the file first; formal underwriting begins only after your authorization.
HUMAN HELP, ON YOUR TERMS
Finish independently. CLR steps in after approval for onboarding, or when you ask for help.
applications@clrfinancial.com ↗Merchant applicationInteractive preview · no submission
33% readyBusiness and ownership
Legal entity, DBA, ownership, and controlling person.
StatusReady
CLEAR ANSWERS
No mystery
here.
Can CLR review my current statement?+
Yes. A recent statement helps us understand your effective rate, monthly fees, transaction mix, equipment, and current setup.
Can I keep my current POS?+
Possibly. Compatibility depends on your hardware, software, gateway, and configuration. We review what you already have before recommending a change.
How quickly can an account be approved?+
Timing depends on the business type, application completeness, processing history, and underwriting requirements. We keep each next step clear.
What businesses can apply?+
CLR Financial works with a broad mix of U.S. businesses. Every application is subject to underwriting, product availability, and the requirements for the specific business and payment setup.