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GMO Payment Gateway

GMO Payment Gateway

Japanese market

VS

Clair

Embedded earned wage access for payroll and workforce platforms

Clair
Fees from
2.9-3.24% vs Free same-day advances to the Clair debit card; optional $4.99 instant transfer fee to external bank accounts; employees can choose free 1-4 day ACH.
Features

1 shared

2 unique to Clair
Regions

0 shared

1 unique to GMO Payment Gateway · 1 unique to Clair
Pay methods

3 shared

8 unique to GMO Payment Gateway · 1 unique to Clair
On fees

GMO Payment Gateway publishes 2.9-3.24% from. Clair publishes Free same-day advances to the Clair debit card; optional $4.99 instant transfer fee to external bank accounts; employees can choose free 1-4 day ACH. from. Verify directly with each provider before signing.

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Show full specs
3 features · 12 payment methods · 2 regions. We don't rank these — they're here for reference.
GMO Payment Gateway GMO Payment Gateway
Clair Clair
Quick Facts
Fees
Standard transaction rate
2.9-3.24%
Free same-day advances to the Clair debit card; optional $4.99 instant transfer fee to external bank accounts; employees can choose free 1-4 day ACH.
Settlement
Time to receive funds
30–45 business days
Instant
Founded
1995
2019
Headquarters
Tokyo, Japan
New York, United States
Sandbox / Test Mode
✓
—
Webhook Support
✓
—
Features
Clair leads (3 vs 1)
Enterprise
✓
✓
Instant Payout Unique
—
✓
Low Fees Unique
—
✓
Payment Methods
GMO Payment Gateway leads (11 vs 4)
Amex Unique
✓
—
Apple Pay Unique
✓
—
Bank Transfer
✓
✓
Carrier Billing Unique
✓
—
Debit Card Unique
—
✓
Diners Unique
✓
—
Google Pay Unique
✓
—
Jcb Unique
✓
—
Mastercard
✓
✓
Mobile Wallet Unique
✓
—
Unionpay Unique
✓
—
Visa
✓
✓
Regions
Asia Unique
✓
—
North America Unique
—
✓

GMO Payment Gateway is best when you...

Japanese market
Want coverage in Asia
Clair doesn't cover this region
View GMO Payment Gateway

Clair is best when you...

Embedded earned wage access for payroll and workforce platforms
Need Instant Payout
Not available with GMO Payment Gateway
Need Low Fees
Not available with GMO Payment Gateway
Want coverage in North America
GMO Payment Gateway doesn't cover this region
View Clair

Frequently Asked Questions

What is the difference between GMO Payment Gateway and Clair?
They share 3 payment methods and 0 regions. GMO Payment Gateway adds Amex, Apple Pay, Carrier Billing and 5 more that Clair does not list; Clair adds Debit Card that GMO Payment Gateway does not list; GMO Payment Gateway also covers Asia; Clair also covers North America.
Which is cheaper, GMO Payment Gateway or Clair?
GMO Payment Gateway has published rates from 2.9-3.24%; Clair has published rates from Free same-day advances to the Clair debit card; optional $4.99 instant transfer fee to external bank accounts; employees can choose free 1-4 day ACH.. Headline rates exclude fixed per-transaction fees, FX and chargeback costs, so model your own mix before deciding.
Where can I use GMO Payment Gateway and Clair?
GMO Payment Gateway lists 1 region and 11 payment methods; Clair lists 1 and 4. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do GMO Payment Gateway and Clair compare on integration and settlement?
GMO Payment Gateway offers a sandbox, Clair does not list one; GMO Payment Gateway supports webhooks; GMO Payment Gateway settles in 30–45 business days, Clair in Instant.

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