ClarityPay offers point-of-sale credit solutions that give merchants a full suite of flexible payment options and build sustainable growth through repeat purchases and loyalty.

New York, NY (August 26, 2025) – The American Fintech Council (AFC), the premier industry association representing responsible fintech companies and innovative banks, today announced the addition of ClarityPay as its newest member. ClarityPay enables merchants to provide installment payment options at the point of sale, giving customers more flexibility in how they pay while allowing businesses to set terms, manage risk, and maintain control over the customer experience. As an AFC member, ClarityPay is committed to supporting merchants and consumers through smart, responsible financing solutions.

“ClarityPay is helping merchants meet customers where they are while ensuring financing remains fair, secure, and customer-focused,” said Phil Goldfeder, CEO of the American Fintech Council. “Through their configurable pay over time plans, ClarityPay enables businesses to expand financing options, deliver a seamless customer experience, and easily complement merchant loyalty programs. We’re excited to partner with them in shaping a more inclusive and responsible financial ecosystem.”

ClarityPay offers configurable pay over time plans that help merchants convert shoppers into customers while keeping full control over the customer experience, data, and brand. They enable merchants to approve more customers across the full credit spectrum—from super to subprime—with approvals that match total order values. Merchants can offer flexible payment plans, from 4-week installments to 84-month revolving terms, and establish dedicated credit lines tied to their brand, driving repeat purchases and long-term customer loyalty. These features give merchants the ability to meet diverse customer needs, increase checkout conversion, and scale their operations confidently.

ClarityPay integrates with both API connections and major commerce or lending platforms to deliver financing in-store and online. Merchants maintain control of customer experience and data, with no competitive cross-sell.

“At ClarityPay, we focus on strengthening the connection between merchants and their customers through responsible, flexible financing,” said Houman Motaharian, CEO of ClarityPay. “Our credit solutions help merchants expand reach, boost sales, and maintain ownership of the entire customer experience. By joining the American Fintech Council, we’re reinforcing our commitment to financing solutions that drive both growth for merchants and better outcomes for consumers.”

A standards‑based organization, AFC is the premier trade association representing the largest financial technology (Fintech) companies and innovative banks offering embedded finance solutions. AFC’s mission is to promote a transparent, inclusive, and customer‑centric financial system by supporting responsible innovation in financial services and encouraging sound public policy. AFC members foster competition in consumer finance and pioneer products to better serve underserved consumer segments and geographies.

About Clarity Pay
ClarityPay is a provider of configurable pay over time plans that help merchants convert shoppers into customers. ClarityPay enables full-spectrum credit approvals with personalized terms—from 4-week installments to 84-month revolving lines—while giving merchants total control over the customer experience, data, and brand, with no competitive cross-sell. Built for omnichannel commerce, ClarityPay integrates seamlessly via API or through major commerce and lending platforms. Merchants in health, wellness, home improvement, travel, auto, and retail use ClarityPay to drive acquisition, loyalty, and long-term growth. Learn more at claritypay.com.

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