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Clearent: The Embedded Payments Trojan Horse
How a $64M processor quietly powers SaaS platforms you've never heard of
In a world obsessed with flashy fintech unicorns, Clearent is playing a different game entirely. This isn't another payment processor chasing consumer apps—it's the invisible infrastructure making vertical SaaS platforms profitable.
"Clearent isn't fighting for end-user attention—it's embedding itself into the software platforms that already own the customer relationship."
The SaaS Whisperer
With 62% direct traffic and only 2,645 monthly visits, Clearent reveals its true nature: this is a B2B infrastructure play, not a consumer brand. Their customers aren't browsing—they're logging in. The search data tells the story: 'xplor pay login' and 'clearent merchant portal login' dominate their keyword footprint. This is transactional traffic from businesses already embedded in their ecosystem.
The Embedded Payments Playbook
Clearent's transformation from traditional processor to 'embedded payments partner' is strategic genius. While competitors fight for merchant sign-ups, Clearent integrates directly into vertical SaaS platforms—gym management software, restaurant POS systems, field service apps. They become the invisible payment engine, taking a slice of every transaction without the customer ever leaving the platform. It's Shopify Payments, but for every vertical SaaS company that needs payments without becoming a payment company.
The numbers reveal a lean, focused operation. $64.2M in revenue with 389 employees means roughly $165K per employee—healthy for a payment processor. But the 2,645 monthly visits are shockingly low for that revenue level. This isn't a traffic play; it's a partnership play. Their 'Top 3' keywords aren't branded searches for new customers—they're login queries from existing merchants. This is infrastructure, not marketing.
- Trustpilot rating of 2.4/5 with only 18 reviews suggests they're not focused on public reputation—they're focused on enterprise relationships
- The 'xplor pay' rebrand indicates a strategic pivot toward becoming a platform, not just a processor
- CEO Matt Bell and Pamela Joseph lead a company that's been quietly profitable for years while fintech startups burn cash
The Invisible Giant Strategy
Clearent proves that in B2B infrastructure, being the best-kept secret is the best business model. While competitors chase logos, they're embedding themselves into the software that powers daily business operations—making them indispensable, not just visible.
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Embedded payments to scale SaaS platforms | Xplor Pay (formerly Clearent)
We’re not just another processor - we’re an embedded payments partner that helps vertical SaaS platforms scale smarter. (formerly Clearent)
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Reviews (18)
A Game-Changer for Our Small Business
Switching to Clearent has been one of the best business decisions we've made this year. As a small business, we were constantly dealing with confusing fees and inconsistent service from our previous provider. Clearent completely flipped that experience. Their onboarding process was smooth, and their team took the time to actually understand our needs—not just sell us a service. What impressed me most was how intuitive their platform is. I can log in and instantly see clear, real-time data about our transactions without having to dig. Payments hit our account quickly, and we’ve had zero issues with reliability. Also, shoutout to their support team—every question I’ve had has been answered by a real person who knows what they’re talking about. That level of support is rare these days. If you’re tired of being treated like just another account number, Clearent is worth a serious look. They're efficient, honest, and genuinely care about helping your business succeed.
Grateful for my partnership with Clearent by Xplor
I've been working with Clearent by Xplor as my integrated payments partner for my Patient Engagement system, and the experience has been nothing short of exceptional. As the owner of a software company that provides comprehensive patient engagement solutions to medical offices, I need a payment processor that is not only efficient but also genuinely supportive. Clearent has consistently delivered with their competitive processing rates, an honest consultative strategy that has guided my business decisions, and reliable support that ensures my operations run smoothly. Their proactive approach and commitment to excellence have been instrumental in enhancing my service offering, and I wholeheartedly recommend Clearent by Xplor to anyone looking to elevate their payment processing experience.
Thank you so much for your kind words! We're thrilled to hear you had a great experience with us.
Great Partner!
Choosing the right POS system for my restaurant felt overwhelming, but Clearent made the process simple. My local rep really listened to what I needed and helped me find the perfect system to make the day-to-day tasks of running my restaurant so much easier. It’s been a game changer for how we run things!
Thanks for the wonderful review! Our team works hard to deliver great service, and it’s fantastic to hear it’s appreciated.
Clearent has helped my pet store…
Clearent has helped my pet store improve customer service offering multiple payment methods for in store and online payments making it easier for us to offer lots of payment options for our customers to pick from. Their customer service is always friendly and quick to answer calls!
We’re delighted you loved your experience! Thank you for being a valued Clearent merchant.
Overall it's been a good experience
Overall it's been a good experience. Much better than my previous processor. My guess is it depends on your rep. Mine has been great, if I call her, she answers her phone and helps me with my questions or support. Also helps with my PCI compliance.
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About clearent.com
We’re not just another processor - we’re an embedded payments partner that helps vertical SaaS platforms scale smarter. (formerly Clearent)
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clearent.com uses 16 technologies across their website including YouTube Embed, PHP, WordPress, and more.
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clearent.com receives approximately 2.6K monthly visitors and ranks #6,041,212 globally. The website has a bounce rate of 42% with visitors viewing an average of 1.8 pages per visit. Users spend an average of 0:30 on the site.
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