Real-time B2B payments · United States
Pay U.S. businesses in seconds. Final settlement, 24/7/365.
Clear Transfer sends business payments over the RTP and FedNow instant payment networks to U.S. businesses whose banks accept them; we tell you before you pay if a bank can't. Money arrives in the recipient's bank account in seconds, any day, any hour, with your invoice numbers attached, and every payment is checked for sanctions and fraud before it moves.
Why teams switch from wires and ACH
Seconds, not days
RTP and FedNow settle in seconds, around the clock, including weekends and holidays. No cut-off times and no waiting for the next ACH window.
Final when it lands
Instant payments are final. Recipients get good funds, not a promise, and you get a settled status the moment the network confirms it.
Flat fees, paid by the sender
$10, $25 or $50 per payment by size. No percentages. The recipient always receives the full amount, and a payment that fails costs nothing.
Built for accounts payable
Pay businesses that aren't on Clear Transfer
Add a vendor with its EIN and email. We send it an invitation to certify its W-9 and add its bank account, and it pays nothing to receive.
Invoice numbers travel with the money
Invoice numbers and a memo are sent with the payment, so your vendor can match it without a separate remittance email.
Your accounting system stays in sync
Connect QuickBooks, NetSuite, Xero and other accounting systems through our Merge integration, pay open bills directly, and they are marked paid automatically.
Approvals you control
Set a threshold above which payments need one or more approvals from other people on your team. Nobody can approve their own payment.
Status you can build on
Every payment reports processing, settled or failed, by webhook and API, along with returns and, where the recipient's bank feed is connected, confirmed delivery.
An API from day one
Create payments, manage payees and receive signed webhooks with API keys. The full OpenAPI specification is published.
Compliance is part of every payment
Verified businesses on both sides
Every business is verified before it can send or receive, using Secretary of State records and IRS TIN matching through Middesk. Businesses that send payments also verify the identity of the people who control them.
Checked before money moves
Each payment is screened against U.S. sanctions lists and assessed for fraud before it is sent. If a check can't run, the payment doesn't either.
The right bank account
Recipient bank accounts are matched to the business that owns them, and accounts added by vendors are confirmed before they can be paid.
A tamper-evident record
Each payment is written to a hash-chained ledger whose checkpoints are signed with a managed key and built to be anchored to write-once storage, so any later edit is detectable.
Simple pricing
$1,000 – $100,000
$10
per payment, paid by the sender
$100,000.01 – $1,000,000
$25
per payment, paid by the sender
$1,000,000.01 – $10,000,000
$50
per payment, paid by the sender
The recipient always receives the full amount. Pricing details
Open an account
Tell us your business name, EIN and address. We verify your business against Secretary of State records and IRS TIN matching, and send you an invitation once it is approved.
Clear Transfer is a financial technology company, not a bank, and is not FDIC-insured. Payments settle through regulated partner banks via our payment providers.