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Payment Processing Rates

AVERAGE COST

1.83 % + 8¢

VISA

DISC

2.61 % + 8¢

AMEX

1.00 % + 8¢

PIN-Debit

Average costs to expect

Based on the weighted average cost of popular cards and a transaction size of: $300 ✏️

MONTHLY SALES VOLUME:

Our margin: Interchange+ 0.40% + 8¢

See volume discounts ▼

In-person rate

Monthly credit card volume

Discount tier

Accept ACH direct withdrawals from your customers’ bank accounts.

ACH Acceptance

1.99% + 25¢

Capped at $299

for transactions
below $25,000

+1.99%

for transactions
‍below $25,000

Learn more about ACH



Get free credit card processing. Pass the fees to your customers.

Online Dual-Pricing

You pay 0% for credit cards

Standard online rates for debit cards.

Learn more



Online convenience fees

You pay 0% for credit cards

Or ACH rates when selected by customer.

Learn more

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We believe in open Relationships

If your team uses it, we integrate with it. Easily add your tools while keeping Kleera as your central hub.

Seamless Integrations With Tools You Know

BigCommerce Integration

The payments space is expanding and so is the software that facilitates online businesses. BigCommerce is one such company, leading the way for SaaS companies doing business over the web. By connecting your BigCommerce site with Kleera, you will have a powerhouse supporting your eCommerce business.

WooCommerce Integration

WooCommerce is a customizable solution that can adapt with your business’ growing needs. Being powered by Wordpress means that they have the assets and supporting power to keep your company happy and healthy. The last piece of the puzzle comes by integrating Kleera with your WooCommerce site so that you can accept card transactions from your customers.

Volusion Integration

Volusion’s all-in-one user platform makes the process of integrating a PCI compliant payment gateway a quick and painless one. By utilizing Kleera integration into Volusion, you will gain access to a robust processing suite that can connect your shopping cart to a backend payment processor that can support you.

Magento Integration

Powered by Adobe, Magento caters to creating a superior shopping experience. So, don’t let that all fall away when the customer gets to the shopping cart. Integrate the payment processing capabilities from Kleera to your Magento eCommerce platform to provide an all-around good experience.

Shopify Integration

The payments space is expanding and so is the software that facilitates online businesses. Shopify is one such company, leading the way for SaaS companies doing business over the web. By connecting your Shopify site with Kleera, you will have a powerhouse supporting your eCommerce business

OpenCart Integration

The payments space is expanding and so is the software that facilitates online businesses. Opencart is one such company, leading the way for SaaS companies doing business over the web. By connecting your Opencart site with Kleera, you will have a powerhouse supporting your eCommerce business.

PrestaShop Integration

3dcart Integration

The 3dcart software brings together a shopping cart and a web hosting platform in an easy to understand tool. The only thing you’re missing is Kleera Integrating 3dcart and Kleera is both quick and easy. Our simple connection will allow you to take payments without a hitch.

Ecwid Integration

The payments space is expanding and so is the software that facilitates online businesses. Ecwid is one such company, leading the way for SaaS companies doing business over the web. By connecting your Ecwid site with Kleera, you will have a powerhouse supporting your eCommerce business.

WordPress Integration

Wordpress is known globally as a web hosting platform, specializing in blogs and online stores alike. But with Kleera connected to your Wordpress site, you will have a fully integrated shopping cart gateway. Once connected, you will enjoy live support and industry-leading processing to accept payments from your customers.

ZenCart Integration

ZenCart is an open-source eCommerce platform built by e-tailers, for e-tailers. Integrate Kleera's simplified backend with this ultra customizable platform to fulfill any and every one of your business’s needs. Get access to ZenCart’s database including products, customer information, and more. Super user friendly navigation offers a seamless shopping experience for both you and your customers.

FAQs

Answers to questions you might have about Kleera.

Will Kleera approve my business if I’ve been shut down before?

Yes. Kleera specializes in high risk industries, including those with past processing issues. We evaluate your full business model, not just a single red flag, and work with multiple banking partners to find the right fit.

How do you help with chargebacks?

We have a dedicated in-house team that actively manages and responds to chargebacks using real documentation. We use tools like Mitigator, submit supporting evidence, and fight each case — you’re never on your own.

Are there rolling reserves or held funds?

For certain verticals or newer merchants, reserves may be required — but we’re upfront about it. Our goal is to reduce or remove them over time as your processing history builds trust with our bank partners.

How fast can I start processing?

Most accounts are approved and live within 3–5 business days, depending on how fast documents are submitted. We streamline underwriting to move as fast as your business does.

What happens if I get a chargeback spike or have a processing issue?

Unlike other processors, we don’t shut you down without warning. You’ll get direct communication, risk support, and a chance to correct issues. Our goal is to keep you processing, not cut you off.