CLULO PAYMENTS
CLULO PAYMENTS
CLULO PAYMENTS
CLULO PAYMENTS
CLULO PAYMENTS
White label payments
Your name on every payment. Subscribers see your brand on their bank statement. Merchants bill their customers as themselves. Clulo stays invisible.
STEP 1 · YOUR SUBSCRIBERS
Bill your subscribers as you.
Your subscribers pay you a monthly fee. On their bank statement they see your business name. Clulo is invisible.
BANK STATEMENT
RF* Acme Software LLC
$200.00
STEP 2 · THEIR CUSTOMERS
Power their payments as AcmePAY.
Your subscriber takes payments from their own customers. On the customer's bank statement, they see the merchant's name, not yours and not Clulo's.
BANK STATEMENT
RF* ABC Cleaning
$300.00
PAYFAC ECONOMICS, ZERO BUILD
PAYFAC ECONOMICS, ZERO BUILD
PAYFAC ECONOMICS, ZERO BUILD
PAYFAC ECONOMICS, ZERO BUILD
PAYFAC ECONOMICS, ZERO BUILD
Apply like a merchant. Launch like a platform.
Payment margins run in basis points, so building your own payments layer only makes sense past hundreds of millions in volume. Clulo gives you the economics without the build.
BUILD YOUR OWN PAYFAC
The build is the easy part
Sponsor banks, KYC, and PCI audits before dollar one
Fraud tooling and chargeback ops land on your desk
A payments team joins your payroll
The math works past hundreds of millions in volume
CLULO PAYMENTS
The rails already exist
Your merchants apply like any normal merchant
Approved accounts bill the same day
Your brand on every statement, powered by Clulo
Subscription revenue and the payment spread are 100% yours
EXAMPLE
EXAMPLE
EXAMPLE
EXAMPLE
EXAMPLE
Follow the money.
Acme sells software. ABC Cleaning subscribes to it. Sarah gets her home cleaned.
SUBSCRIPTION BILLING
Acme bills ABC Cleaning. Every net dollar is Acme's.
1
CHARGE
$200 from ABC Cleaning
Statement shows: RF* Acme Software LLC · $200
2
AFTER 2.7% + $0.30 PROCESSING · SCALE BUY RATE
$194.30 net
Clulo deducts $5.70. Every remaining dollar is yours.
3
DEPOSIT TO ACME
Next day
Shows as RF* Clulo Inc on the receiving bank statement.
END-CUSTOMER PAYMENTS
Sarah pays ABC Cleaning through AcmePAY.
1
CHARGE
$300 from Sarah
Statement shows: RF* ABC Cleaning · $300
2
AFTER 2.9% + $0.30 RRP
$291.00 to ABC Cleaning
Statement shows: RF* Acme Software LLC · $291.00
3
YOUR SPREAD
$0.60 to Acme
RRP 2.9% less your 2.7% buy rate. Paid monthly.
THE STACK
THE STACK
THE STACK
THE STACK
THE STACK
One white label payment platform. Gateway, processing, and dashboard.
Every layer runs under your brand and lives in one CRM.
White label payment gateway
Checkout runs under each merchant's brand
Apple Pay, Venmo, PayPal, and Pay Later built in
Card terminals for tap and swipe on site
Card on file, tipping, and gift cards at every checkout
White label payment processing
Merchants apply and approval starts the same day
Next-day deposits with itemized payout reports
Disputes and monitoring live in one dashboard
Every payment linked to the job, worker, and customer
BUY RATES
BUY RATES
BUY RATES
BUY RATES
BUY RATES
Buy rates by plan
Card-not-present rates. You set the retail rate your merchants pay and keep 100% of the spread.
LAUNCH
2.8% + $0.30
GROWTH
2.75% + $0.30
SCALE
2.7% + $0.30
WHEN YOU ARE ACME
Reseller subscriptions
Set up Clulo Payments in your Reseller Dashboard.
YOUR BUY RATE · SCALE PLAN
2.7% + $0.30
YOU KEEP
100%
EXAMPLE · $200 SUBSCRIPTION CHARGE
Charge from ABC Cleaning
$200.00
Less 2.7% + $0.30 processing
- $5.70
Deposited to Acme
$194.30
Paid to Acme next day.
WHEN YOU ARE ABC CLEANING
Set up AcmePAY through your CRM dashboard.
RRP / YOUR BUY RATE
2.9% / 2.7% + $0.30
SPREAD
100% yours
EXAMPLE · $300 CUSTOMER PAYMENT · AT RRP (2.9%)
ABC deposit
$291.00
Your spread (0.2%)
$0.60
COMMONLY CHARGED (3.4%)
ABC deposit
$289.50
Your spread (0.7%)
$2.10
ABC Cleaning paid next day. Your spread paid monthly.
TERMS
TERMS
TERMS
TERMS
TERMS
"Powered by Clulo" must be displayed.
Card network rules require it. Anytime you advertise, display, or reference your white-label payments brand (for example, AcmePAY), it must appear alongside powered by Clulo, across every customer-facing surface.
MARKETING
Marketing & web
Landing pages
Pricing pages
Ads and social
Email campaigns
PRODUCT
In-product surfaces
Checkout pages
Payment forms
Receipts and invoices
Mobile and web apps
SUPPORT
Documents
Help center articles
Support emails
Onboarding materials
Terms and policies
DO
AcmePAY
powered by Clulo
One lockup, same rules everywhere. Write powered by Clulo exactly like that, lowercase p, capital C.
DO NOT
AcmePAY
on its own
Without the attribution, your brand cannot reference payments.
FOR RESELLERS
FOR RESELLERS
FOR RESELLERS
FOR RESELLERS
FOR RESELLERS
The white label payment gateway provider built for resellers
Clulo Payments runs the payfac-as-a-service model with the software attached. You get embedded payments, white label merchant services, and white label credit card processing in one branded platform, backed by $300M+ processed per year.
Every transaction runs on payment rails clearing billions in annual volume and settles through federally regulated sponsor banks: First Citizens Bank & Trust Company and JPMorgan Chase Bank, N.A. You get payment facilitator economics in your niche while Clulo runs the rails: as a white label payment gateway reseller, you set the retail rate and keep the spread.
Your name on every payment.
Launch the dashboard, brand it, and see your numbers.
FAQ
The questions founders ask before they launch payments.
What is white label payments?
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How fast can my merchants start billing?
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What do I earn on payments?
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What are the buy rates?
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Do I need to become a payfac?
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Why does powered by Clulo appear next to my brand?
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What does a white label payment gateway cost?
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