Live · Real-time data
$0

Transaction volume protected · last 24 hours

0

Chargebacks Intercepted

disputes neutralized today

0

Fraud Attempts Blocked

flagged & rejected

0.00%

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.

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The Exposure

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.

Chargeback Dispute

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.

$41,200

true cost of one undefended chargeback

2.9× the original transaction value

Visa Monitoring Program

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.

$100,000/mo

VDMP fine at escalation tier

90-day window, no roadmap, no support

PCI-DSS Audit Failure

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.

$520,000

combined cost of one failed PCI audit

$180K direct + $340K deferred revenue

Threshold
Free Resource

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.

Chargeback evidence templates
VDMP remediation checklist
PCI-DSS gap analysis framework

No spam. Unsubscribe at any time. Your data is never sold.

The Defense

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.

Chargeback DefenseClearance Shield™

The same $14,000 charge — defended and won

With Clearance, that subscription renewal would have generated an automated evidence packet at the moment of transaction: timestamped access logs, signed terms acknowledgment in Visa-compliant format, IP verification, and device fingerprint. When the dispute arrived six weeks later, the representment response was pre-built. The chargeback was reversed. The processor received a notification. The merchant received nothing — except the funds.

Automated evidence packet generation at transaction time
Visa/Mastercard-compliant representment formatting
Legal-grade documentation retention for 7 years
$0

net loss on the defended transaction

VDMP PreventionRatio Guardian™

The monitoring notice that never arrived

Clearance's Ratio Guardian monitors dispute ratios in real time — not monthly, not weekly, but on every transaction. When a merchant's rolling 30-day ratio approaches 0.65%, an automated alert triggers a remediation workflow: flagging high-risk transaction patterns, surfacing the specific SKUs and customer segments driving disputes, and issuing a pre-written dispute reduction plan. The 0.9% threshold becomes a number you never see.

Real-time dispute ratio monitoring with threshold alerts
Automated remediation workflow at 0.65% (before VDMP triggers)
SKU-level dispute attribution and pattern detection
0.31%

average dispute ratio across Clearance merchants

PCI-DSS ComplianceAudit Armor™

The audit that took three days, not three months

Clearance maintains a continuously updated compliance documentation layer alongside every merchant account. Network segmentation evidence, penetration test scheduling, tokenization gap monitoring, and SAQ completion are tracked in real time. When the QSA arrives, the documentation package is already assembled. Clearance merchants who completed their last PCI-DSS assessment reported an average engagement time of 2.8 days and zero major findings. The assessment became a formality.

Continuous compliance documentation maintenance
Automated penetration test scheduling and sign-off tracking
Pre-assembled QSA evidence packages
2.8 days

average PCI-DSS assessment duration for Clearance merchants

Proof

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

0.28%

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

2.8 days

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

90%

reduction in payment operations overhead

$2.4B+

Transaction volume protected annually

0.31%

Average dispute ratio across all merchants

99.97%

PCI audit pass rate, rolling 90 days

< 48h

Average onboarding to first protected transaction

Free Risk Audit

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.