01
Enter the amount
The number your own system already produced. No items, no tips, no splitting the ticket — this is not a point of sale.
01 For shops
How many jobs a week do you write up and lose?
Every service writer knows the number. Clear finances those customers at 2.5% of the ticket, pays you on net-30, and carries the default itself.
2.5%
Your rate
net-30
You are paid
we do
Who bears a default
none
Exclusivity
02 The difference
Six to twelve per cent is not greed. It is the price of getting paid tomorrow.
Klarna and Affirm settle the same day and have to fund every dollar of it. We wait thirty days, and collect most of it before your payout.
$12,000.00
Financed through Clear each month
$720.00
What a 6% provider takes
$300.00
What Clear takes
$5,040.00
Kept over a year, for waiting three extra weeks on money you were not going to see at all if the customer walked.
Held at 6% — the low end. Longer 0% promotional plans and no-credit-needed programmes commonly run to 12% of the ticket. Rates vary by provider, plan length and customer; illustration, not a quote.
03 At the counter
Two taps for your writer. Three minutes for the customer.
02
Turn the screen
The tablet shows a code. A new customer scans it and the app installs; a member just gets a notification.
03
The customer approves on their phone
They pick how to clear it and approve. The split is never chosen on your device, which matters if there is ever a dispute.
04
You see it confirmed
The charge sits waiting if their phone is dead. You can see whether the text was delivered before they drive off.
Signup happens once per member, not once per shop.
The first customer through your door signs up from scratch. By your twentieth, most people walking in already hold a line — nothing for your writer to do but enter a number.
Your existing signage is a reason to talk, not a reason not to.
Synchrony takes your prime customers. Snap and Acima take the declines and can cost that customer close to double the ticket.
There is no hardware to buy.
The merchant app runs at merchant.useclear.org and installs from a browser — a tablet, a phone or the shop PC will do.
04 Fit
This works for you if
- Your tickets are $300 and up
- You lose jobs because people cannot pay that day
- You can wait thirty days for the money
Auto repair, tires, dental, veterinary, HVAC, appliances, furniture, equipment — trades where financing is already part of how the sale closes.
It does not work for you if
- Your average ticket is twelve dollars
- You need the cash the same week
- Waiting thirty days would strain the shop
We would rather say that now than sign you and lose you in month two. If that is you, we will say so on the first call.
05 Founding partners
The first five shops are working out the kinks with us.
That is worth paying for, so we do. Founding partners are capped at five, and when they are gone they are gone.
2% for life
Rate
no fee
First twenty charges
in the app
Named as a founding partner
the founder’s number
Support
Getting set up takes about twenty minutes.
Six steps at your back-office computer: shop details, terms, verification, where payouts go, and training the counter. The last step is a one-dollar test charge you refund straight away, so your writers have run the loop once before a customer is standing there.
Nobody from Clear ever sees your banking credentials.
Your terms are six lines, not a document.
Rate · fee on the first twenty charges · payout timing · who bears a default · approval cap · leaving any time.
An owner who reads six lines has actually read their agreement.
06 The money
From a bank deposit back to the tickets.
A shop that cannot reconcile a payout against its own books will ask for a spreadsheet every month for the rest of the relationship.
Day 0
The ticket closes.
Your writer enters the amount, the customer approves on their own phone, and the job leaves.
Day 30
Your payout lands.
Net-30, every time. Withdrawals are capped by what the pool holds, and the app says so rather than failing silently.
Any day
The deposit opens up.
Every payout traces to the charges inside it, so your books close without a call to us.
Your writer can start a refund. Only you can move your money.
The manager-override pattern every till already uses, so it needs no training. Your writer begins the refund with the customer standing there; your owner code submits it.
Your writer sees
What the customer gets back.
You see
What it does to your payout.
Nothing is said to the customer until an owner has authorised it. A refund a writer promised and an owner declined is the worst possible counter conversation.
Carry is not refunded
The time stands.
A refund unwinds the purchase, not the time the customer held the plan.
07 Membership
Signing also makes you a partner member of the co-op.
You are not a vendor account. The merchant agreement admits your business as a partner member, which is why you appear in the directory members browse, and why both sides of every transaction are members of the same cooperative. You can leave any time.