Five steps, roughly five minutes. Every document you need for underwriting, submitted in a single packet, straight to Clay Pay's team.
Prop firms (US-based startups), Adult AI, Adult (US entity + US signer, or EU entity + EU signer), Telehealth including compounded GLP-1, HRT, and ketamine, Hemp / kratom / CBD / vape, MLM, continuity, direct response, ISVs, general retail, restaurants, e-commerce.
Research-use-only (RUO) peptides or research chemicals, adult with mismatched entity and signer geography, state-legal cannabis, and non-US / non-EU signers in most verticals.
EIN, signer SSN and date of birth, 3 months of bank statements, driver's license, voided check or bank letter, articles of incorporation, operating agreement. 3 months of processing statements if you have them. Prop firms: 3 months of personal statements for the NABCO funding lane.
Your file is reviewed by Clay Pay underwriting. Once approved and forwarded to the sponsoring bank, a formal DocuSign will arrive with rates, reserve structure, and the merchant agreement. Heads up: the DocuSign may come from an email address that is not Clay Pay, because we route through different acquirers and sponsor banks depending on vertical.