Disclosed is a system and method for wireless data clearing and settlement. The disclosed systems and methods relate towards near real-time ratings for purposes of wireless rating for data clearing and financial settlement. The present disclosure reconciles differing rating attribute formats using flexible matching. The disclosed systems and methods apply known negotiated rates for Home Service Provider (HSP) users roaming onto a VNP hotspot, and apply a standardized set of attributes of the contract with the applicable HSP, and other attributes applying a different set of rates to another HSP. The present disclosure provides systems and methods that enable traffic to be offloaded more easily from the Wide Area Networks (WAN) or macro networks.