When Stripe terminates, we place the account.

High-risk payment processing is the card-network classification for verticals with elevated chargeback ratios, regulatory complexity, or product-line policy concerns. Stripe, Square, and PayPal refuse or terminate most of these categories. Clay Pay places direct merchant accounts at 13 acquiring banks that openly underwrite the vertical, with MATCH-list-aware underwriting, reserves negotiated against the documented risk model, and dispute defense built for Visa VAMP.