About us

A merchant services company
that starts with your business

We're based in Orange County and work with businesses across Southern California and nationwide. Some come to us because they're paying too much to take cards. Others need the right POS, a self-order kiosk, or a better way to take deposits. Either way, we start with how you run your business, not with a product we need to move.

Why we do this

Most owners don't know what they're paying.

Statements are hard to read. Rates creep up. Long contracts keep you from leaving. Equipment is the same story: plenty of owners end up with whatever system their processor happened to sell, not the one that fits how they work.

ClearCost Payments is here to fix both. We show you what you're really paying, and we help you find the setup that makes your day easier.

How we help

Two ways we can help.

Pay less to take cards

Send us two recent statements and we'll go through every fee, line by line, and show you what you'd pay with us. If switching won't save you money, we'll tell you that too.

Get your Free Rate Analysis →

Find the right setup

Beyond rates, we help businesses find the right tools: 25+ POS systems, self-order kiosks, payment links, card-on-file, and recurring billing. We recommend what fits how you sell, whether that's a restaurant, a salon, a store, or a contractor on the road.

See setups by industry →

How we work

What you can expect from us.

A real person to call

No getting passed around. Day-to-day questions come straight to us, and processor and POS support is available 24/7, except most federal holidays.

No pressure, month-to-month

The processing agreement we set up is month-to-month, with no cancellation fee.

Straight answers

Numbers side by side, in plain English. If something won't help your business, we'll say so, even if it means you don't switch.

Your statements stay private

We use your statements to prepare your analysis and set up your account, and we don't sell your information. Read our Privacy Policy.

Behind the processing

Who handles your payments.

ClearCost Payments works with PayBright, a registered ISO of Citizens Bank, N.A., Providence, RI. Your merchant account and monthly statements come from PayBright. We're the people you call.

See how your rates stack up.

Already taking cards? Start with a Free Rate Analysis. Opening a new business? We'll help you set it up from scratch.

Get My Free Rate Analysis →New Business? Start Here

Or call 949-946-2442 or text us.