Payments for the businesses
Stripe declines.

Stable high-risk merchant accounts for the businesses generic processors won't touch — e-commerce, subscriptions, nutraceuticals, supplements, CBD, cash-pay healthcare, memberships, and other hard-to-place industries. No frozen funds, fair reserves, fast funding. We audit your setup, fix the gaps, and submit a clean file so you stay approved long-term, not just on day one.

E-commerce · Subscriptions · Continuity Nutraceuticals · Supplements · CBD & Hemp High-risk-specialized underwriting Approved when Stripe & Square decline No frozen funds · Fair reserves · Fast funding Subscription billing native Payment Risk Readiness Audit Card + ACH + Backup rail Visa · Mastercard · Amex · Discover PCI DSS Level 1 E-commerce · Subscriptions · Continuity Nutraceuticals · Supplements · CBD & Hemp High-risk-specialized underwriting Approved when Stripe & Square decline No frozen funds · Fair reserves · Fast funding Subscription billing native Payment Risk Readiness Audit Card + ACH + Backup rail Visa · Mastercard · Amex · Discover PCI DSS Level 1
Why we exist

An incident log
of generic processors.

Every high-risk business has a Stripe horror story: frozen funds, mysterious shutdowns, no explanation. We built ClaruPay to read like the opposite document.

№ 001 Account flagged & frozen Generic underwriters don't recognize high-risk billing models, so their algorithms flag and freeze first and ask questions never. We do recognize them, and set accounts up correctly from the start, which is why they stay open. CLOSED · FIXED
№ 002 Funds held for 30+ days Your customers pay on time. Your cash shouldn't sit frozen in a processor's reserve account waiting on a review. CLOSED · FIXED
№ 003 Subscription billing broken Memberships, continuity programs, payment plans, and recurring orders need purpose-built billing, not duct-taped Stripe workarounds. CLOSED · FIXED
№ 004 Support routed to a chatbot When something goes sideways at 9pm on a Friday you need a person who knows your business, not a ticket queue and a SLA timer. CLOSED · FIXED
№ 005 Account terminated on a keyword, no warning A single flagged keyword in your product names or website can trip a generic processor's automated risk model and shut down a perfectly legitimate business mid-month. We set up the account so the flag never fires. CLOSED · FIXED
№ 006 Subscription program disrupted Recurring and continuity billing gets flagged as high-risk and frozen, and your customers lose access mid-cycle. We build the account structure that keeps subscription billing stable month after month. CLOSED · FIXED
№ 007 Customer disputed $299, didn't recognize the charge Descriptor mismatch is behind 35 to 45% of friendly fraud. When the name on your customer's card statement doesn't match what they remember buying from, they dispute it. We enforce descriptor clarity at boarding, before the first wave of disputes arrives. CLOSED · FIXED
Capabilities

Everything your business needs.
Nothing you don't.

A payments partner, a recurring-billing engine, and a real underwriting desk. Built for high-risk and hard-to-place businesses that need stable processing, not just an account that works until it doesn't.

01 Payment Risk Audit

We audit your setup before you apply. That's why accounts stay open.

Most shutdowns happen because an account was approved without anyone reviewing the billing model, the website, or the compliance posture. We score you across six dimensions: FDA sourcing, marketing claims, subscription UX, chargeback root causes, LegitScript readiness, and processor file quality, and deliver a remediation plan before submission. The acquirer sees a clean file from day one.

02 Subscription billing

Native recurring for memberships, packages, and scripts.

No bolt-ons, no Zapier glue. Smart retry logic recovers up to 4x more failed payments than standard processors, automatically retrying at the optimal time rather than immediately. Dunning sequences, proration, and multi-product billing built in. Up to 70% of failed payments recovered vs roughly 15% with standard processors.

03 Underwriting

High-risk-specialized underwriting.

We know how high-risk and hard-to-place business models actually work. Generic processors don't.

04 Vertical focus

Built for the industries generic processors decline.

E-commerce · Subscriptions & continuity · Nutraceuticals · Supplements · CBD & hemp · Cash-pay healthcare · Memberships · Coaching & info-products · and other high-risk or hard-to-place categories.

05 Integrations

Works with your existing stack.

Shopping carts, gateways, CRMs, and billing tools. Ask us about your current stack during the application.

06 Real humans

Hands-on account management that picks up.

Not a chatbot. Not a ticket queue. A real phone number, answered by someone who knows your file.

07 Chargeback defense

Hands-on chargeback support.

We build representment packages and fight disputes. Our pre-dispute alert layer (RDR and Verifi) reduces formal chargebacks, and our pre-boarding audit enforces descriptor clarity and 60-second receipt delivery to prevent the confusion that triggers disputes in the first place.

08 Ongoing monitoring

Your account health, watched continuously.

VAMP ratio tracking and dispute dashboards so you know where you stand before Visa does. The combined fraud and dispute threshold tightens to 1.5% in April 2026. Accounts drifting above it face fines and termination. We watch your number continuously and flag issues before they become processor conversations.

09 Multi-rail payments

Card + ACH + backup processor.

Cards for conversion. ACH/eCheck for recurring margin and lower network exposure. Backup processing rail for continuity if your primary account is ever disrupted.

Industries

Built for the verticals
generic processors decline.

One specialized underwriting desk, focused on the high-risk and hard-to-place categories Stripe and Square shut down. Pick your industry, or email hello@clarupay.com if you don't see yours.

Method

How we
onboard businesses.

A straightforward sequence. No 90-day onboarding marathons, no "pending" states that quietly become "denied".

01 Step one

Score your readiness.

Start with our free Readiness Score, a 3-minute quiz that flags your risk across business model, marketing claims, subscription UX, and chargeback exposure. Most businesses find at least one gap they didn't know existed.

02 Step two

Fix the gaps.

We audit your billing setup, website, refund policy, and compliance posture, then deliver a remediation plan. This includes billing descriptor setup: 35% of disputes come from customers who don't recognize the charge on their statement. We make sure what appears on your customer's card statement matches exactly what they expect to see. This is the work that keeps accounts open long-term.

03 Step three

Apply with a clean file.

We match your business to the right processor for your specific industry and submit a processor-ready file. No generic applications. The acquirer sees a well-documented, pre-audited merchant from day one.

04 Step four

Stay approved.

Ongoing chargeback dashboards, VAMP ratio alerts, dispute tracking, and processor file maintenance. Your account stays healthy, not just approved on day one.

Start application
Pricing

Custom to your
business.

Rates in this category depend on your monthly volume, LegitScript status, and business structure. We give you a specific number after reviewing your application, not a generic rate that ignores your situation.

How pricing works
Custom rate

We review your application, your billing model, and your processing volume, then come back with a specific rate built for your business. No published tiers that turn into surprises at go-live.

  • Rate based on your actual volume and profile
  • Subscription billing included
  • All major cards · ACH available
  • No setup fees · No long-term contracts
Get your rate
Common questions

Things businesses
tend to ask.

Have something more specific? Email hello@clarupay.com , a real human will reply within a few hours.

Yes. E-commerce and online retail, nutraceuticals and supplements, subscription and continuity offers, memberships, and coaching/info-products are all core to what we do — especially businesses that are profitable and legitimate but get classified "high-risk" by category and declined or shut down by Stripe, PayPal, and Shopify Payments. Our readiness audit tells you exactly what processors will and won't accept before you apply.
We handle the transition. Most businesses are fully switched within 3–5 business days with zero downtime.
Generic processors run automated risk models that classify whole categories as "high-risk" and freeze or terminate accounts without a human ever reviewing your business. It's rarely about anything you did wrong — it's that their underwriting isn't built for your model. We place you with acquirers who understand your category and structure the account so it stays open.
Yes — it's core to what we do. Memberships, continuity offers, payment plans, and recurring orders need purpose-built billing with smart retry logic and dunning, not duct-taped workarounds. We set up native recurring billing and ACH for high-volume rebills so your subscription revenue stays stable month after month.
Yes. Supplements, nutraceuticals, and wellness e-commerce — including continuity and free-trial models — are a core category for us. We know how the underwriting reads these businesses, what triggers reserves and shutdowns, and how to structure a clean file that gets approved and funds on a fair schedule.
Yes. We work with both card-present and 100% online businesses across the US. Whether you sell physical products, digital goods, subscriptions, or services, we match you to a processor built for card-not-present volume in your category.
Government ID, voided business check, 3 months of bank statements, business license, and basic info about your processing volume. That's it.
No. We work with businesses processing $20K/month and businesses processing $500K/month and up.
Yes. Med spas, cosmetic injectors, anti-aging clinics, and aesthetics practices are a core part of our ICP, particularly those offering memberships, packages, injectables, laser treatments, hormone programs, or GLP-1 services where chargeback rates and processor instability are common. If you're on Square, Boulevard, or Vagaro and have had account issues or need better recurring billing support, we can help.
We can still help in many cases. A MATCH listing or previous termination isn't automatically disqualifying. It depends on the reason code and what has changed since. Our readiness audit identifies what needs to be remediated and which processors will still consider your application. Contact us before assuming you can't get approved.
We provide two layers of defense. First, prevention: we mandate billing descriptor matching and 60-second email receipts at onboarding, the two biggest drivers of friendly fraud. Second, interception: RDR and Verifi reduce formal chargebacks when disputes do occur. Under Visa's current VAMP scoring, the goal is stopping the customer from calling their bank in the first place, not just catching them after they do. Ask us about chargeback coverage when you apply.
The next step

Ready for a payments partner
that knows your vertical?

Apply online. We review your setup. You go live.

hello@clarupay.com