The Account-to-Account Payment Platform
Smarter commerce rails for small merchants
Low-cost e-commerce platform and product discovery, with no dependence on cards or digital ads.
- Open Banking (PSD2)
- Same-day settlement
- No card network fees
One platform. Three solutions.
Choose how you want to move money
Take payments in-store, embed them in your product, or sell through AI agents.
Three solutions, one platform, every payment moving account-to-account.
Why Open Clearing?
Real outcomes for Merchants
Leave card networks behind and benefit from lower costs, faster and secure payments
As low as 0.7% per transaction
No card network markup
Card schemes charge 1.5–2.9% on every transaction. Open Clearing moves money account-to-account, cutting out the network and returning margin to you.
Same day
Settlement to your account
Funds credit your bank account the same business day – not T+2 or T+3 like card acquirers
Biometric
Payer-authenticated consent
Every payment requires biometric confirmation in the payer’s own banking app. Chargebacks and fraud are structurally eliminated.
Solution 01 – Accept Payments
Every way money can move you
No specialist hardware. No card contracts.
Just install the app, display a QR code, or drop a link in an invoice – and get paid.
In-Person Payments
Your Phone is
the Terminal
ClearPOS App turns any iPhone or Android into a payment terminal. Show the amount, display a QR code, and the payer scans with their banking app. Tap-to-pay via NFC and Bluetooth proximity are built in.
ClearPOS
iOS & Android – free to download and use
ClearPOS Terminal
Newland N950 with card
+ A2A in one device
PushPay
NFC stand: payer enters amount, sends funds
Donate
Gift Aid consent included – for charities & NFPs
Solution 02 – Embed Payments
Build payments into your product
A clean REST API, sandbox environment, and a revenue-share partner programme.
Add Open Clearing to any platform and earn on every transaction you enable.
For Developers & Integrators
One API.
Every payment surface.
Call the Open Clearing API from web apps, mobile, SaaS platforms, or hardware devices. A sandbox mirrors production so your team can test without spending real money.
RestAPI
JSON/HTTPS – works from any device
Sandbox
Separate test environment – free during dev & QA
PartnerPortal
Revenue share on every merchant you onboard
StoreFront Suite
Migrate from Shopify – import products & images
Solution 03 – Agentic Commerce
Sell through AI. Get paid instantly.
AI agents are becoming the new storefront. Open Clearing’s
Syndication Suite lists your products on every major AI surface
and closes the purchase loop – discovery, payment, fulfilment.
AI-Native Commerce
Your catalogue,
inside every AI Surface
Import your product catalogue once. Open Clearing publishes it to ChatGPT, Perplexity, Gemini, and Claude via MCP, and maintains a real-time query layer for AI shopping surfaces. When a customer buys, the full order-to-settlement flow runs automatically.
Syndication Suite
Standardised catalogue published to AI surfaces
MCP API
Real-time product query layer for AI agents
Agentic Buy Flow
Order → payment
→ fulfilment
in a single AI flow
Merchant Feeds
Auto-generated product feeds for Shopping surfaces
ONE PLATFORM. EVERY PAYMENT.
Start free. No contracts. No card fees.
Sign up in minutes, pass a quick AML check, and take your first payment today — in store, online, or through AI agents.