Payment Processing
Payment Processing Infrastructure Built to Scale
Accept cards, ACH, and supported digital payments through one connected platform with flexible pricing, reporting, developer tools, and funding options designed for growth.
One Platform for the Payment Lifecycle
Payment processing infrastructure captures a payment, routes it for authorization, processes it through card networks or bank systems, settles funds, and reconciles the result back to the business. Cliq runs every stage on one platform — acceptance, gateway access, reporting, developer tools, funding options, and merchant operations — for merchants, payment partners, and software companies.
One platform carries every payment from checkout to reconciliation
Accept Payments Across Channels
Give customers flexible ways to pay while managing payment activity through one connected platform.
Cards
Accept eligible credit and debit card transactions online and across supported channels.
ACH
Support bank-to-bank payments for invoices, recurring payments, and higher-value transactions.
Digital Wallets
Offer eligible wallet experiences based on gateway, device, browser, geography, and merchant configuration.
Hosted Pages
Launch a provider-hosted checkout without building a complete payment interface from scratch.
Payment Links
Collect payments remotely from invoices, email, text, or service interactions.
Recurring Billing
Support approved recurring and subscription workflows with secure credential handling.
Choose a Pricing Model Built Around Your Transaction Mix
Cliq supports multiple pricing structures so merchants and partners can align payment economics with their business model, transaction profile, and customer experience.
Flat-Rate
Simple, predictable pricing for easier forecasting.
Interchange-Plus
Separates underlying card costs from the provider markup.
Dual Pricing
Supports eligible cost-passing programs subject to applicable rules and program requirements.
Tiered
Groups transactions into provider-defined categories.
Surcharging Support
Supports eligible credit-card surcharge programs where permitted and correctly configured.
Blended
Combines approved pricing approaches for a specific transaction mix.
Availability and legal requirements vary by program, card brand, merchant type, geography, and current terms.
Protect Payment Data and Manage Operational Risk
Cliq provides payment-security capabilities designed to reduce direct exposure to sensitive payment data and support safer payment operations. Security and PCI DSS responsibilities depend on the integration architecture and the role of each participant.
- TokenizationReplaces sensitive payment data with a limited-use substitute value
- EncryptionProtects supported payment data in transit and within approved platform workflows
- 3-D SecureProvides additional authentication capabilities where supported and configured
- Fraud ControlsSupports configurable transaction screening and risk-management workflows where available
Common Payment Processing Use Cases
Ecommerce Retailers
Online acceptance and fraud controls
Cards, ACH, supported wallets, hosted checkout, APIs
Professional Services
Remote billing and larger invoices
Payment links, ACH, recurring billing, accounting integrations
SaaS Platforms
Embedded payments and subscriptions
APIs, sandbox, webhooks, tokenization, recurring workflows
Nonprofits
Donations and recurring giving
Hosted pages, cards, ACH, recurring payments
B2B Companies
ACH, invoicing, and reconciliation
ACH, payment links, reporting, settlement visibility
ISOs and Resellers
Merchant onboarding and portfolio management
Branded apps, multi-MID, dashboards, flexible pricing
Frequently Asked Questions
Can Cliq support both card and ACH payments?
Cliq supports card and ACH capabilities through approved programs. Availability depends on the merchant, use case, geography, and current terms.
Does Cliq offer hosted checkout and APIs?
Cliq supports hosted payment experiences and documented payment APIs for eligible implementations, including sandbox access for testing. Get started with sandbox access for eligible implementations.
Can merchants receive same-day or next-day funding?
Streamlined funding options may be available to eligible merchants. Timing, fees, cutoff times, exclusions, and program requirements apply.
Does using hosted payment fields remove PCI DSS responsibilities?
No. Hosted fields may reduce the number of systems exposed to card data, but each participant remains responsible for its applicable PCI DSS obligations.
Can ISOs and ISVs use Cliq under their own brand?
White-label and branded implementation options may be available depending on the program, integration, and commercial agreement. Contact your Cliq partner manager for specifics.
Build Your Payment Infrastructure with Cliq
Whether you are accepting payments, building a merchant portfolio, or embedding payments into software, Cliq provides connected infrastructure designed to support growth.
MerchantsExplore Payment Processing for Your BusinessISOs and AgentsBecome a Cliq PartnerISVs and DevelopersAccess Developer Documentation
Or call us directly at (866) 634-3044