ClearGate Review

Rates and Fees
Truth in Advertising
Consumer Reviews
Customer Support

Best for

Businesses of all sizes are looking for fresh front-end credit card processing.

Specializes in

Providing multiple options for payment processing. They offer terminals, mobile, and gateway solutions to the business needs of merchants everywhere. They also look to go above and beyond with both customer relations and value-added services.

Pricing Summary

Setup Fee: Undisclosed

Monthly Fee: Undisclosed

Swipe Rate: 2.69% + $0.19

Keyed-in Rate: 3.69% + $0.19

Early Termination Fee : $250-$350

Contract Terms:

3 Years
Visit ClearGate

ClearGate has their headquarters located in Reno, NV.

The company was founded in 2005.

Robert Onesian is listed as the principal.

ClearGate Overview


Created in 2005, ClearGate was originally branded as ClearChoice. In 2014 it went through a rebranding and changed their name to ClearGate. From the beginning, ClearGate has been a distributor of front-end credit card processing options.

They offer terminals, mobile payment, and payment gateways. However, it appears they do not hold the merchant accounts but resell them to Fiserv.

Throughout their company website, they stress the high levels of their security. There are multiple approaches to keeping their customer’s information safe.

They do hold a Better Business Bureau profile and have maintained a low level of customer complaints throughout their existence.

Quick Facts

Head Quarters

Reno, Nevada

Year Founded



Robert Onesian - Founder



Merchant Provider Risk Tolerance

What We Like

What We Don't Like

Industries Served

  • Automotive
  • Beauty & Wellness
  • Clothing & Apparel
  • Convenience Store
  • Contractors
  • Electronics
  • Food & Beverage
  • Gas Station
  • Healthcare
  • Hunting & Outdoor Equipment
  • Moving Companies
  • Personal Service
  • Professional Services
  • Online Sellers
  • Restaurant / Bar
  • Retailers
  • SAAS
  • Telemedicine
  • Thrift Store
  • Wholesalers

Business Types Served

  • B2B
  • Ecommerce
  • Enterprise Merchant Accounts
  • Mobile
  • Mom & Pop
  • MOTO
  • Online
  • Retail / Card Present
  • Small Business
  • Wholesale

ClearGate Products & Services


Hardware and Software

ClearGate states that they offer a variety of terminals, virtual terminals, and payment gateways. However, there is no actual information available on their website.

Furthermore, there is no information on what these services will cost a merchant.

There is information that the virtual terminal will allow a merchant access to multiple analytics level functions, including customer profiles, recurring billing, and easily accessed repayment.

Value-Added Services

It appears they offer several services to enhance customer potential. Many of these are aspects of the virtual terminal, but they also offer gift cards and loyalty cards to create a tangible increase in customer base and customer retention.

Another service they mention on the website is PayUp. This is a billing app merchants can take advantage of to help sort and distribute bills to customers. There is little actual information on the app available on the website as the link is a loop to their homepage.

Supported Payment Types and Services

American Express

There may be more options here that will vary based on the terminal type. Without any further information that is impossible to determine.

ClearGate Payment Processing

  • ACH Check Transactions
  • Cash Transactions
  • Chargeback & Fraud Prevention
  • Check Services
  • Contactless NFC
  • Credit Card Processing
  • Credit Card Terminals
  • Debit Card Processing
  • eCheck & ACH Processing
  • EMV Processing
  • Gift & Loyalty Program
  • Mobile Card Reader
  • Mobile Payments App
  • Online Payments
  • Online Shopping Cart Integration
  • Payment Gateway
  • POS Equipment
  • Receipt Printing
  • Recurring Billing
  • Shopping Cart Integration
  • Virtual Terminal

ClearGate Billing & Invoicing

  • Contingency Billing
  • Dunning Management
  • Mobile Payments
  • Online Invoicing
  • Online Payments
  • Payment Processing
  • Recurring/Subscription Billing

ClearGate Advertising & Sales

There is evidence that ClearGate employs independent sales contractors to supplement their marketing team. There is no indication how much of their business is conducted in such a manner, but there are customer complaints and reviews mentioning dissatisfaction with how information was relayed.

Truth in Marketing

Discloses All Important Terms


Public Pricing Available


ClearGate Pricing, Rates & Fees


There is zero information as to pricing and fees available on the company website. With reviews pointing to ClearGate as a merchant account reseller, it is possible to find rates for Fiserv and present some potential numbers.

Based on knowledge of Fiserv, they generally offer flat rates and interchange plus rates. For the interchange plus we know Fiserv offers two basic account levels with the $50,000 being the dividing line.

Under $50k:

2.5%-4% + $0.19

Over $50k:

1.75%-2.5% + $0.10

There is also a long list of fees, including an early termination fee. There is no confirmed list available online, which could point to them being negotiable.

It is also very likely there are extra fees associated with the virtual gateway.

Pricing at a Glance

Pricing Model

Interchange PlusTiered Pricing

Swiped Rate

2.69% + $0.19

Keyed-in Rate

3.69% + $0.19

Mobile Payment Rate

Virtual Terminal Rate

2.05% + $0.10

Monthly Fee


Payment Gateway Fee


Batch Fee


Early Termination Fee


PCI Compliance Fee

$19.95 Per Month

Equipment Lease Terms

48 Month (locked)

Address Verification Service (AVS)

Application Fee

Account Setup Fee


Gateway Setup Fee

Annual Fee

Monthly Minimum


Statement Fee


ClearGate Contract & Terms

If Fiserv is used as a benchmark, the contracts are three years with a two-year auto-renewal after that. These terms are fairly normal for the industry. The only difference is the two-year renewal instead of one.

There are early termination fees on the lower end at $250.

The terms of the contract appear to be variable and negotiable.

Contract Length

3 Years

Early Termination Fee


ClearGate Setup & Support


There is no information available for setup. Since the website offers no information on what types of terminals they offer it is impossible to even estimate setup times. It can be deduced that setup times for the virtual terminal should be dependent on the underwriting process for the merchant account.

Once the merchant account has cleared through Fiserv anything digital should be up as quickly as the software can be downloaded.

There is no indication on whether the hardware comes loaded or setup proceeds after arrival.

There is a phone number and email address available on the website. They do not specify whether these contact points are for sales or customer support. Also, there is no portal for merchant accounts that would point to there being more help available once a merchant account is established.

Setup Highlights

  • Documentation / Knowledge Base
  • Live Online (1-on-1)

Support Highlights

  • Domestic Phone Support (Business Hours)
  • Offshore Tech Support (After Hours)

ClearGate Complaints, Ratings & Reviews

BBB Rating


There are no reviews or complaints available on the Better Business Bureau website. The company has been accredited since 2006.

Other Online Reviews

There are a few complaints found online. They are related to undisclosed information and unauthorized charges.

Three charges in almost twenty years is an extremely low rate. The complaints themselves seem relatively minor and appear to have been quickly addressed by the company.



A+ and has been Accredited since 2006. (0 Reviews; 0 Complaints)


5 Stars / 1 Review


No Reviews




Total Online Reviews


Total Online Complaints




ClearGate Alternatives


If you're in the market for a merchant account provider, be sure to check out our user reviews, our merchant accounts guide and our top popular merchant provider picks