ClarityPay

ClarityPay, founded in 2024 by CEO Houman Motaharian, operates as a financial technology company providing point-of-sale (POS) financing solutions. Motaharian, a seasoned executive with a background in financial services, lending, and payments at firms like American Express and Continental Airlines, established the company to address the disconnect between traditional lender strategies and merchant needs. The team's collective experience is drawn from prominent financial institutions including Citizens Pay, Citi, Synchrony, and Google Payments.

The company's core business is to empower merchants by providing configurable 'pay over time' options for consumers at the point of purchase. This service is designed to help merchants increase sales, convert more shoppers into customers, and improve operational efficiency. ClarityPay serves a diverse range of industries, including retail, home improvement, travel, automotive, and health and wellness sectors like dental, med spas, and chiropractic services. The business model centers on providing a lending technology platform for merchants, meaning consumers can only access ClarityPay's financing options through a partner business, not directly from the company. Revenue is likely generated through transaction fees, partnerships with merchants, and managing the financing programs.

ClarityPay's platform is an all-in-one POS lending solution that can either augment a merchant's existing financing options or serve as a complete, standalone system. Its key feature is the ability to service the full credit spectrum, from subprime to super-prime, using advanced data models that go beyond traditional credit scores to offer instant decisions. The platform offers flexible payment plans, ranging from 4-week installments to 84-month revolving terms, and enables merchants to create dedicated credit lines tied to their own brand. This approach allows merchants to retain full control over the customer experience and data, without the risk of competitive cross-selling. A significant milestone was achieved in February 2025, when ClarityPay announced a capital purchase program of up to $1 billion with funds managed by Neuberger Berman's Specialty Finance group to expand its financing capabilities. This was followed by a seed funding round in July 2025, led by TTV Capital and Vesey Ventures, the same month the company announced it had achieved profitability.

Keywords: point-of-sale financing, POS lending, consumer finance, merchant credit solutions, buy now pay later, BNPL, installment payments, revolving credit, Houman Motaharian, full-spectrum lending, customer financing, retail finance, home improvement loans, medical financing, travel financing, automotive service loans, embedded finance, merchant payment solutions, TTV Capital, Neuberger Berman, Vesey Ventures, omnichannel finance