---
title: How to use ClarityPay on Whop
slug: claritypay
excerpt: "ClarityPay is a financing provider on Whop offering sellers a way to offer financing to US customers for purchases up to $30,000. "
customExcerpt: "ClarityPay is a financing provider on Whop offering sellers a way to offer financing to US customers for purchases up to $30,000. "
featureImage: "https://storage.ghost.io/c/12/7b/127b828b-bdc2-4972-9cf2-de857df9c324/content/images/2026/05/ClarityPay.webp"
status: published
publishedAt: "2026-09-02T06:43:28.000Z"
updatedAt: "2026-09-02T06:43:28.000Z"
createdAt: "2026-05-10T06:00:36.336Z"
authors:
  - { name: Liv Carr, slug: oliviacarr }
  - { name: Keisha Singleton, slug: keisha }
---

# How to use ClarityPay on Whop

ClarityPay is a financing provider offering flexible payment solutions for bigger purchases.

If you offer [courses](https://whop.com/blog/create-sell-courses/), masterminds, mentorships, or high-ticket services, ClarityPay gives you a way to increase sales without adding extra admin to your workflow.

Here's how ClarityPay works on Whop, and how you can install it at checkout.

## How does ClarityPay work?

![](https://storage.ghost.io/c/12/7b/127b828b-bdc2-4972-9cf2-de857df9c324/content/images/2026/05/ClarityPay--1-.jpg)
*<i><em class="italic" style="white-space: pre-wrap;">For illustrative purposes only.</em></i>*

ClarityPay is a financing solution that gives sellers upfront funding while it handles the customer loan.

During checkout, customers can instantly get pre-approved (with only a soft-credit check), review available offers and terms, and select the financing option that works best for them.

Once approved, customers can complete the loan digitally and set-up auto-pay using ACH or debit card for payments.

ClarityPay supports purchases from $500 to $30,000, making it well-suited to higher-ticket products, services, programs, and learning investments.

## Can ClarityPay help me sell more high-ticket offers?

![](https://storage.ghost.io/c/12/7b/127b828b-bdc2-4972-9cf2-de857df9c324/content/images/2026/05/ClarityPay--2-.jpg)
*<i><em class="italic" style="white-space: pre-wrap;">For illustrative purposes only.</em></i><span style="white-space: pre-wrap;"> The annual percentage rate (APR) represents the total cost of a loan as an annual rate.</span>*

Yes, ClarityPay is designed to help businesses sell higher-ticket offers by giving  customers larger approval amounts and longer repayment terms.

Financing tends to have the biggest impact on products and services that require deeper consideration before purchase.

Think about it: someone might be fully interested in joining your program, but can still hesitate when faced with a large upfront payment. Offering financing helps bridge the gap between their purchase intent and budget.

Most customers don’t evaluate purchases on total price; they evaluate whether the payment feels realistic. Instead of delaying the purchase or abandoning checkout entirely, financing gives customers a way to commit immediately without the large upfront payment burden.

And unlike many BNPL providers that are designed around smaller, short-term purchases, ClarityPay supports transactions from $500 to $30,000 with repayment terms up to 36 months. 

That kind of flexibility is especially valuable for businesses selling:

- Coaching and mentorships
- Online courses and education
- Masterminds and memberships
- Premium SaaS
- Services and consulting

It’s all about reducing resistance. A Credit Accessibility Series study from PYMNTS on BNPL found that 4 in 10 BNPL users would abandon or downgrade a purchase without it at checkout, underscoring the acquisition risk of not offering financing at checkout.

## Who is eligible to use ClarityPay?

ClarityPay is available to approved merchants selling eligible products and services through supported platforms (like here on Whop). 

Businesses will need to maintain good account standing and meet platform eligibility requirements to continue offering financing at checkout.

On the customer side, ClarityPay offers quick pre-approval for checking customer eligibility.

Approval and financing offers* may vary, depending on available financing terms and the customer’s eligibility.

On Whop, ClarityPay is available for eligible US customer purchases with qualifying merchants between $500 and $30,000.

## How does ClarityPay differ from other BNPL and financing options?

![Video thumbnail](https://storage.ghost.io/c/12/7b/127b828b-bdc2-4972-9cf2-de857df9c324/content/media/2026/05/ClarityPay_thumb.jpg)
[Watch video](https://storage.ghost.io/c/12/7b/127b828b-bdc2-4972-9cf2-de857df9c324/content/media/2026/05/ClarityPay.mp4)
*<p><i><em class="italic" style="white-space: pre-wrap;">For illustrative purposes only.</em></i></p>*

Most BNPL solutions focus on smaller, short-term purchases. ClarityPay has these short-term options, and additionally offers longer-term financing that is especially helpful for larger purchases.

Transactions from $500 to $30,000 are supported, making it a great option for sellers offering higher-ticket programs, services, and learning investments that tend to fall outside standard BNPL limits.

ClarityPay also offers multiple financing models, allowing sellers to choose customer repayment terms and offers that best fits their business and customers.

On Whop, ClarityPay offers repayment plans for up to 36 months.

## How to use ClarityPay on Whop

Getting started with ClarityPay on Whop is simple. 

Apply for financing through your Whop dashboard, either from the Payouts page or while creating a checkout link. 

![Video thumbnail](https://storage.ghost.io/c/12/7b/127b828b-bdc2-4972-9cf2-de857df9c324/content/media/2026/05/checkoutlinks-1_thumb.jpg)
[Watch video](https://storage.ghost.io/c/12/7b/127b828b-bdc2-4972-9cf2-de857df9c324/content/media/2026/05/checkoutlinks-1.mp4)

Once approved, ClarityPay can automatically appear at checkout for eligible customers. Merchants can also choose which financing options appear on individual checkout links directly from their pricing settings.

Depending on the offer, businesses may be able to provide True 0%, Interest-Based Installment, No Interest Promotions.

To keep financing active long-term, businesses should maintain good account standing and keep dispute rates below the required thresholds.

Other eligibility requirements for merchants:

- Have a fully verified Whop Payments account
- Maintain a low dispute rate (< 2%)
- Sell eligible products/services
- Have processed at least $30,000 from 10+ customers over the last 90 days

**[Apply for financing](https://docs.whop.com/payments-and-billing/financing/apply)**

### For customers:

![](https://storage.ghost.io/c/12/7b/127b828b-bdc2-4972-9cf2-de857df9c324/content/images/2026/05/ClarityPay--3-.jpg)
*<i><em class="italic" style="white-space: pre-wrap;">For illustrative purposes only.</em></i>*

Using ClarityPay at checkout is designed to be simple and transparent for every customer.

Your buyers can get pre-approved instantly  by checking their eligibility (with only a soft-credit check) then review available offers and repayment terms before accepting the terms of the offer.

They can also:

- 1) Digitally accept and sign the loan agreement
- 2) Enroll in Auto-Pay at loan acceptance and get 1% APR reduction
- 3) Manage their account at [account.claritypay.com/login](https://account.claritypay.com/login)

ClarityPay has transparent terms and no hidden fees so customers can easily understand their financing agreement while completing their purchase.

## Selling on Whop? Enable ClarityPay at checkout and convert more buyers 

Selling premium comes with its own set of customer challenges, especially affordability. 

A study from Sales Insights Lab found that 55% of salespeople list budget as the main reason conversions fall through.

One way around that? Offering the right financing. 

By giving customers a more flexible way to pay with a higher limit than most BNPL providers, ClarityPay helps sellers reduce hesitation around steep upfront costs associated with premium offers.

It’s a no-brainer.

**Sell with Whop and access the best in financing and BNPL options, including ClarityPay. **

**[Sell with Whop and ClarityPay](https://whop.com/network/)**

---

© 2025 ClarityPay Program Services, LLC. NMLS ID: 2624183. All Rights Reserved. Loans for the ClarityPay consumer loan program are provided by DR Bank, member FDIC. ClarityPay is a brand of ClarityPay Program Services, LLC and is licensed to the program participants for their use in originating and servicing loans in connection with this consumer lending program. ClarityPay Program Services, LLC. is a financial technology company that provides support services to banks and other financial institutions that make or hold program loans (“program participants”). ClarityPay Program Services, LLC is not a lender. All credit decisions, loan terms, and servicing practices are determined by program participants.

*All loan applications are subject to credit approval by DR Bank. Terms may vary. The annual percentage rate (APR) represents the total cost of a loan as an annual rate. It includes the interest rate and any applicable origination fee. ClarityPay Program loans may have APRs ranging from 0% to 36%, determined based on a variety of factors, including the applicant’s credit and state of residence. No Interest Promo offers apply interest from day 1, and interest is refunded if the promotional terms are met. True 0% offers are loan offers with 0% APR with no deferred interest or promotional financing. Prequalification is subject to required consumer consent and is not a credit decision or guarantee of approval.

ClarityPay Program Services, 132 West 31st Street, 11th Floor, New York, NY, 10001