Montana · Statewide

Merchant services in Montana
with pricing you can read

Card processing and POS for Montana restaurants, shops, outfitters, ranch businesses, contractors, and service businesses, from Billings to the Flathead Valley. Month-to-month. Next-day funding. Pricing you can actually read. Start with a Free Rate Analysis.

  • No contracts, month-to-month
  • Fast approvals
  • Next-day funding
  • Free equipment if you qualify

New business? No statements needed. Fill in the form and we'll set you up from scratch.

Prefer to talk? Call 949-946-2442 or text us

Free rate analysis for Montana businesses

Tell us a little about your business and we'll follow up. No statements needed to start.

  1. Send your statement or a few details.New business? No statement needed.
  2. We review it line by line and show you what you're actually paying.
  3. You get a clear proposal. No obligation, no pressure.

We reply the same business day, Mon–Fri 7am–7pm Pacific.

We only use this to respond to you, and we never sell your information. See our Privacy Policy.

Where we work

Merchant services in Billings, Missoula, and across Montana.

ClearCost Payments is based in Aliso Viejo, California, and works with Montana businesses by phone, text, and email.

Cities we serve

BillingsMissoulaGreat FallsBozemanButteHelenaKalispellHavreWhitefishBelgradeLivingstonMiles City
Local business snapshot

Montana small business, by the numbers.

Montana has 141,011 small businesses, 99.2% of all businesses, and they employ 66.3% of the state's workers. (2022 data)

Sources: SBA Office of Advocacy, 2025 Montana Small Business Profile

By business type

What we set up for Montana businesses.

Each industry page shows the POS systems, terminals, and payment tools we set up for that kind of business.

Around Montana

Montana, region by region.

Billings and Eastern Montana

Billings, Miles City, and the eastern towns have restaurants, ranch suppliers, and businesses serving energy and ag workers.

Bozeman and Southwest Montana

Bozeman, Belgrade, Livingston, and Big Sky have restaurants, outfitters, and shops serving a fast-growing population and visitors.

Missoula and Western Montana

Missoula, Butte, and Helena have restaurants, breweries, and shops serving college towns and the capital.

The Flathead Valley

Kalispell, Whitefish, and the towns near Glacier have restaurants, lodging, and outfitters serving park visitors.

Every account

What every account gets.

Month-to-month with no cancellation fee, next-day funding, free equipment if you qualify, and processor and POS support 24/7, except most federal holidays. Day-to-day questions come straight to us at 949-946-2442, Mon–Fri 7am–7pm Pacific. See pricing →

Free rate analysis for Montana businesses →

Example setups

How Montana businesses set it up.

A fly-fishing guide service near Bozeman

Float trips booked months ahead, with tips and flies sold on the day.

Setup: Deposits by payment link at booking, and SwipeSimple on the river for the balance, tips, and gear.

A restaurant in Whitefish

Glacier visitors all summer and skiers all winter, with a slow spring between.

Setup: HotSauce POS with handhelds, so servers take payment at the table during the busiest stretches.

A ranch supply store near Billings

Ranch accounts that buy feed and fencing every week, plus walk-ins.

Setup: Clover at the counter, with monthly invoices and cards on file for the ranch accounts.

A brewery in Missoula

Tabs, to-go cans, and visitors coming through town on the way to the parks.

Setup: Clover Flex for tabs out on the patio, with Clover at the merch counter.

These are examples, not specific clients. Your setup is based on how your business runs and what you process.

Local spotlight

Local favorites across Montana.

Park gateway shops and college-town businesses keep Montana busy. Here's how we set them up.

Glacier and Yellowstone gateway shops

Yellowstone had 4,762,988 visitors and Glacier had 3,136,557 in 2025.

Setup: KORONA POS for gift inventory, with an extra device added for the summer crowds.

Bozeman and Missoula businesses

Bozeman is home to Montana State University, which set an enrollment record of 17,144 students in fall 2024.

Setup: Tabs, to-go sales, and handhelds for busy nights, with online orders on the same system.

Sources: Wikipedia, Yellowstone National Park · Wikipedia, Glacier National Park · Wikipedia, Bozeman

Common questions

Straight answers.

Do you have an office in Montana?

No. ClearCost Payments is based in Aliso Viejo, California. Montana businesses work with us by phone, text, or email.

Do you work with businesses across Montana?

Yes. From Billings and Missoula to Bozeman, Helena, and Kalispell, we work with businesses by phone, text, and email.

Can an outfitter take deposits months ahead?

Yes. Send a payment link by text or email when guests book, then collect the rest when the trip starts.

Can I take cards in remote areas?

Anywhere with a cell signal, yes. SwipeSimple Tap to Pay on iPhone and Clover handhelds run on cell data.

Opening a new business in Montana? Start here and we'll set you up from scratch.