Clearent API
Clearent, now Xplor Pay, documents Transaction, Boarding, Reporting, Dispute, and Recurring Payments REST APIs with sandbox and production gateways. Keys are partner-gated: you onboard as an ISV, and merchants cannot call the API directly. Two overlapping doc sites split the reference.
Frequently asked questions
Clearent scores C on the API Report Card. Clearent, now Xplor Pay, documents Transaction, Boarding, Reporting, Dispute, and Recurring Payments REST APIs with sandbox and production gateways. Keys are partner-gated: you onboard as an ISV, and merchants cannot call the API directly. Two overlapping doc sites split the reference.
Clearent has an official API, but teams routinely hit its limits: gated access, partial coverage, or paid tiers. Most end up supplementing it with exports or an unofficial API layer like Supergood.
Clearent, rebranded as Xplor Pay following the 2021 merger of Clearent and Transaction Services Group (TSG) into Xplor Technologies, is a full-stack payment processor that combines direct merchant acquiring with an embedded-payments / PayFac-as-a-Service offering for vertical SaaS platforms.
Financial Services (Payment Processing / Embedded Payments), Two distinct customer bases: (1) direct SMB and mid-market merchants accepting card-present and card-not-present payments, and (2) vertical SaaS / ISV partners who embed Clearent's payments rails, boarding, reporting, and dispute APIs into their own software (fitness, education, field services, health & wellness, childcare). Direct merchants use Clearent for in-store and online card acceptance, encrypted card readers, virtual terminals, hosted payment pages, recurring billing, ACH, gift cards / loyalty, smart invoicing, cash-discounting programs, and chargeback / dispute management, all visible in the Clearent Compass merchant portal.
7/10, $47B in annual processing volume, 66,000+ merchants, 800+ ISV/SaaS partners. Owned by Advent International since 2018 and merged with TSG into Xplor Technologies in February 2021.
Yes, Clearent holds the full payments substrate for tens of thousands of SMB and mid-market merchants: every authorization, settlement, refund, chargeback, ACH transaction, tokenized card-on-file, customer/recurring billing schedule, deposit ledger, merchant statement, KYC/boarding application, and risk/underwriting record.
~20 years old, founded 2005 in Clayton, Missouri. Acquired by Advent International in 2018, merged with Transaction Services Group in February 2021 to form Xplor Technologies, and rebranded as Xplor Pay.
API access requires becoming a formal ISV/partner, small merchants and end-customers cannot use the API directly. Two parallel doc sites (developer.clearent.com and docs.xplorpay.com) with overlapping but not identical coverage create integration confusion. Full sourced list under Sources below.
Common alternatives include Stripe Connect, Adyen for Platforms, Global Payments / Heartland, Fiserv (Clover / CardConnect), Worldpay (FIS), Payrix (a Worldpay company). Graded alternatives appear under "More from the report card" below.
Grades measure one thing: can a customer's engineering team get their own data out programmatically? We check six things (whether a real API exists, how access is gated, data coverage, auth quality, docs and developer experience, and stability) and roll them into a letter grade. Grades get re-verified, and they only move on evidence.
Yes. Supergood maintains an unofficial Clearent API and MCP server so AI agents and internal tools can read and write Clearent data. See the Clearent integration docs at supergood.ai/docs/clearent-api.