Transaction volume protected · last 24 hours
Chargebacks Intercepted
disputes neutralized today
Fraud Attempts Blocked
flagged & rejected
Compliance Checks Passed
audit pass rate, rolling 90d
Every transaction has a threat. Every threat has an answer.
Clearance processes your payments while quietly building a legal and regulatory defense around every one of them.
Three scenarios your processor won't warn you about
These aren't edge cases. They're the standard failure modes of unprotected payment infrastructure — and every one of them was preventable.
The $14,000 charge that became a $41,000 problem
A B2B software company processed a $14,000 annual subscription renewal. Six weeks later, the cardholder's bank filed a dispute — "service not as described." The merchant had no compiled evidence packet, no timestamped access logs, no signed terms acknowledgment in the right format. The chargeback was upheld. Then Visa opened a monitoring program inquiry. Legal fees, operational hours, and the monitoring program fine brought the true cost to $41,200. The original transaction was $14,000.
true cost of one undefended chargeback
2.9× the original transaction value
The notice that arrived on a Friday at 4:47 PM
A marketplace founder in the wellness vertical opened an email from their processor on a Friday afternoon: their dispute ratio had crossed 0.9% for the second consecutive month. Visa Dispute Monitoring Program. They had 90 days to get below threshold or face fines starting at $25,000/month, escalating to $100,000, then termination. They didn't have a compliance counsel. Their processor offered no remediation guidance. By the time they engaged outside help, they were already in month two of the program.
VDMP fine at escalation tier
90-day window, no roadmap, no support
The audit that exposed three years of documentation gaps
An e-commerce director at a mid-market retailer spent six weeks preparing for their annual PCI-DSS Level 2 assessment. On day one, the QSA flagged incomplete network segmentation documentation, missing penetration test sign-offs from 2023, and a tokenization gap in their subscription billing flow. The assessment was suspended. Re-engagement fees, remediation work, and a 90-day delay to their enterprise contract renewal cost the company $180,000 in direct spend and an estimated $340,000 in deferred revenue.
combined cost of one failed PCI audit
$180K direct + $340K deferred revenue
The Chargeback Defense Playbook
47 pages. Written by payment compliance attorneys and former Visa risk analysts. Covers evidence packaging, representment strategy, VDMP remediation, and PCI audit readiness — in plain language.
The same scenarios. Different outcomes.
Clearance doesn't change what happens in payments. It changes what happens when things go wrong — before, during, and after.
Merchants who've been through it. And won.
"We were in VDMP for 60 days before we found Clearance. They built our remediation plan, automated our evidence collection, and got us out in six weeks. Our dispute ratio went from 1.1% to 0.28% in 90 days."
Rachel Moreno
VP Finance, Boundless Commerce
E-commerce · $4.2M/mo volume
dispute ratio post-remediation
"Our previous processor dropped us on a Tuesday. No warning, no transition period — just a termination email. We were live on Clearance by Thursday. The compliance documentation they had pre-built for us passed our first PCI audit in under three days."
James Okafor
Founder & CEO, Meridian Health Marketplace
Regulated marketplace · healthcare adjacent
PCI-DSS assessment completion
"I used to spend 40% of my time on payment operations — disputes, documentation requests, compliance prep. With Clearance, that number is closer to 4%. The playbook alone was worth the onboarding call."
Priya Nair
Director of Payments, Stackline SaaS
SaaS · $1.8M/mo recurring billing
reduction in payment operations overhead
Transaction volume protected annually
Average dispute ratio across all merchants
PCI audit pass rate, rolling 90 days
Average onboarding to first protected transaction
Find out where you're exposed before your processor does.
No sales call required. Submit your work email and we'll run a three-part risk assessment against your current payment setup. Results delivered to your inbox within 48 hours.
Dispute Ratio Analysis
30-day rolling review of your current dispute patterns against Visa/Mastercard thresholds.
PCI-DSS Gap Report
Automated scan against 12 PCI requirements. You receive a prioritized remediation list within 48 hours.
Processor Risk Score
We assess your current processor relationship for termination risk signals — the ones they won't tell you about.
Run a Free Risk Audit
Free. No credit card. No sales pressure. Results in 48 hours.