Payment intelligence tools for clearer commercial decisions

ClearRate Labs builds focused software tools that help merchants, PSP teams, and payment professionals understand processing costs, compare offers, and make better decisions with numbers.

Built for people who work with payment complexity

Payment pricing is rarely simple. MDR, transaction fees, FX, rolling reserve, settlement costs, refunds, chargebacks, payouts, and minimum fees all affect the real commercial outcome. ClearRate Labs focuses on tools that make those layers easier to understand.

Our products

Mobile app / B2B fintech utility
PayCost Pro
PayCost Pro is a mobile app that helps merchants, PSP teams, and payment consultants estimate the real end-to-end cost of payment processing. It models MDR, transaction fees, 3DS/non-3DS pricing, FX, settlement fees, rolling reserve, refunds, chargebacks, payouts, top-ups, and PSP offer comparisons.
  • Calculate real payment processing costs
  • Compare PSP offers beyond MDR
  • Identify hidden fee and liquidity impact
  • Preview clean internal reports
Learn more about PayCost Pro

Who we build for

Merchants

Understand the real cost of accepting payments before committing to a provider.

PSP teams

Model pricing, margins, and commercial scenarios more clearly.

Payment consultants

Prepare cleaner comparisons and reports for clients.

iGaming operators

Evaluate PSP offers with better visibility over fees, reserves, and settlement impact.

Fintech commercial teams

Support pricing decisions with practical cost analysis tools.

Our principles

Clarity over complexity

We turn layered payment costs into easier-to-read calculations and comparisons.

Practical tools over noise

Our products are designed for real commercial workflows, not vanity dashboards.

Numbers before assumptions

We help users evaluate offers, fees, and margins using structured inputs and transparent outputs.

About ClearRate Labs

ClearRate Labs is an independent software studio focused on payment intelligence, PSP pricing, merchant cost analysis, and commercial decision tools. Our goal is to build practical products that help payment professionals understand costs, compare offers, and make more confident decisions.

Contact

For product feedback, partnerships, support, or business inquiries, contact ClearRate Labs.

Email us

hello@clearratelabs.com