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.
Every high-risk business has a Stripe horror story: frozen funds, mysterious shutdowns, no explanation. We built ClaruPay to read like the opposite document.
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.
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.
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.
We know how high-risk and hard-to-place business models actually work. Generic processors don't.
E-commerce · Subscriptions & continuity · Nutraceuticals · Supplements · CBD & hemp · Cash-pay healthcare · Memberships · Coaching & info-products · and other high-risk or hard-to-place categories.
Shopping carts, gateways, CRMs, and billing tools. Ask us about your current stack during the application.
Not a chatbot. Not a ticket queue. A real phone number, answered by someone who knows your file.
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.
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.
Cards for conversion. ACH/eCheck for recurring margin and lower network exposure. Backup processing rail for continuity if your primary account is ever disrupted.
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.
High-ticket, high-volume, or "high-risk" by category. Approved when Stripe and Shopify Payments decline.
02 SubscriptionsMemberships, rebills, and payment plans. Native recurring billing that stays stable month after month.
03 Nutra & SupplementsSupplements, wellness, and continuity offers. Underwriting that understands the category and reserves that are fair.
04 CBD & HempFederally legal CBD e-commerce and retail. Approved when Stripe and Shopify decline.
05 Cash-Pay HealthcareMed spa, TRT/HRT, GLP-1, IV therapy, telehealth. Specialized underwriting for the clinics generic processors flag.
06 More industriesMemberships, coaching, info-products, and other hard-to-place categories. If a processor declined you, talk to us.
A straightforward sequence. No 90-day onboarding marathons, no "pending" states that quietly become "denied".
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.
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.
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.
Ongoing chargeback dashboards, VAMP ratio alerts, dispute tracking, and processor file maintenance. Your account stays healthy, not just approved on day one.
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.
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.
Have something more specific? Email hello@clarupay.com , a real human will reply within a few hours.
Apply online. We review your setup. You go live.
hello@clarupay.com