The Processor Scoreboard

Clearent (now Xplor Pay)

Clearent built a merchant base of about 45,000 businesses, mostly sold through software and POS partners. On July 1, 2025 it became Xplor Pay. The name changed; the three-year agreements and the $395 termination fee merchants keep complaining about did not.

Written by Robert Day, Founder and Managing Partner of weAudit.com, previously an executive at Fifth Third Processing Solutions, later Vantiv and Worldpay, now part of Global Payments, the world’s largest card processor. Published October 2026.

Looking for the Clearent login?

Clearent is now Xplor Pay. Merchant reporting has run through the Clearent merchant portal and the Compass portal under clearent.net addresses, and Xplor Pay now has its own sign-in.

Start from the official Xplor Pay website, never from a link in an email, and call the support number on your statement if your login stopped working.

Before you go

Download your last twelve statements while you are logged in. They are what an audit needs, and portals change again after rebrands.

45out of 100

Regulatory and Legal22 / 25

Fee Practices6 / 25

Complaints and Resolution6 / 20

Transparency5 / 15

Sales Channel6 / 15

What to know about Clearent.

Three-year agreements that renew themselves, with a $395 termination fee per location, or the maximum state law allows.
Termination fees years later. Merchants describe being charged the fee after the initial three years, and being told by Clearent that what their sales rep promised was not true.
Unhappy merchants. 39 BBB complaints in three years, not BBB accredited, and a Trustpilot rating of about 2.1 out of 5.

Who you are signing with

Clearent was established in 2005, became a certified processor in 2008, and was part of the merger that formed Xplor Technologies in 2021. It reports about 45,000 merchants and $16 billion in processing volume, much of it sold through software companies and point-of-sale partners. On July 1, 2025 Clearent by Xplor officially rebranded as Xplor Pay, and it now focuses on embedded payments for software platforms.

Fee practices: the agreement is the problem

Clearent does not publish standard rates. Depending on who sold the account, merchants have been placed on flat-rate, tiered or interchange-plus pricing, and interchange-plus markups vary from very competitive to several times higher. The terms around the rate draw the complaints:

Term	As reported
Contract length	Three years, renewing automatically
Early termination fee	$395 per location, or the maximum allowed by state law
Pricing	Flat-rate, tiered or interchange-plus, set account by account
Processor	Agreements reported through TSYS
Other fees	PCI compliance, statement and equipment fees depending on the account

Sources: Clearent’s and Xplor Pay’s own announcements, Better Business Bureau records including Clearent’s responses, and terms as reported by independent review sites including Merchant Alternatives and PaymentPop, credited by name. Clearent does not publish pricing; your agreement shows what applies to you.

Complaints

Clearent is not BBB accredited, with 39 complaints in the last three years, and its Trustpilot score is about 2.1 out of 5. Most satisfied merchants never leave a review, so that average says a meaningful number were hurt enough to go and say so. The complaints repeat: a termination fee nobody mentioned at signing, charged even years after the initial term; charges continuing after cancellation; agreements merchants say they never received; and, in 2025, recurring charges with no statements and no notice that the company had changed its name. Clearent’s responses commonly point to the signed agreement.

Regulatory and legal

We found no Federal Trade Commission or state attorney general actions and no class actions against Clearent. That earns most of the available points.

Transparency and sales channel

No published pricing, agreements merchants say they never saw, and a name change at least one merchant says arrived without notice. Much of Clearent’s business comes through software and POS partners, and merchants describe sales representatives promising no termination fee, which Clearent later told them was not true.

If you have a Clearent or Xplor Pay account

Find your agreement and note the start date, renewal date and termination fee.
Download twelve months of statements while you can still find them.
Work out your effective rate with the fee calculator, and check whether you are on flat-rate, tiered or interchange-plus.
Give notice before your renewal date if you plan to leave, in writing.
Get the statements audited before you renew.

Independence, right of response and corrections. weAudit takes no money from any processor, ISO or referral arrangement, and no company can pay to change its score. Xplor Pay may submit a response or correction at any time, and we will review it and update this rating if the evidence warrants. Scores reflect the evidence available at publication. See the full Processor Scoreboard.

Common questions

Is Clearent now Xplor Pay?

Yes. Clearent by Xplor officially rebranded to Xplor Pay on July 1, 2025, aligning with its parent company, Xplor Technologies. Existing Clearent merchant accounts continue under the Xplor Pay name.

How do I log in to Clearent?

Clearent merchants have used the Clearent merchant portal and the Compass reporting portal, which still appear under clearent.net addresses, and Xplor Pay now has its own sign-in. Start from the official Xplor Pay website rather than an emailed link, and call the support number on your statement if your login no longer works.

Does Clearent have an early termination fee?

Yes. Reviewers report a standard three-year agreement through TSYS with an early termination fee of $395 per location or the maximum allowed by state law, and merchants report being charged it years after the initial term, because agreements renew automatically.

What are Clearent’s processing fees?

Clearent does not publish standard rates. Merchants have been placed on flat-rate, tiered and interchange-plus pricing depending on who sold the account, and the markup on interchange-plus accounts varies widely. Your statement shows what you actually pay.

Who processes Clearent accounts?

Clearent has been a certified processor since 2008, and its standard agreements have been reported as running through TSYS. It is now the U.S. payments division of Xplor Technologies, operating as Xplor Pay.

Why are there complaints about Clearent’s name change?

At least one 2025 BBB complaint describes recurring charges with no statements provided, no notice of the company’s name change, and an early termination fee charged without clear disclosure. If your statement name changed, check every fee carefully.

Send us the statement. We will tell you what is in it.

Our first audit is free and takes about five minutes of your time. We show you which pricing model your Clearent account is really on, every fee on top, and what you should be paying. If there is nothing to find, you will know that too.

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About this rating: scored on weAudit’s five categories, Regulatory and Legal (25), Fee Practices (25), Complaints and Resolution (20), Transparency (15) and Sales Channel (15). Evidence was gathered in October 2026 from company announcements, Better Business Bureau records, Trustpilot, and independent review sites including Merchant Alternatives and PaymentPop, which are credited by name. Clearent and Xplor Pay are names of their owner.