Clerq

Clerq is a fintech startup building a next-generation payments platform for high-ticket transactions. The platform uses modern bank rails to combine the conversion and user-experience benefits of card payments with risk management and money-movement infrastructure purpose-built for large purchases. Its stated aim is to replace manual payment methods such as cash, checks and wires, as well as expensive card surcharges, with an integrated checkout flow that helps merchants convert more customers without eroding margins.

Technical work at Clerq spans payments infrastructure, bank rails and money movement, checkout UX and conversion optimisation, and risk management for high-ticket transactions. The company is backed by Series A funding and operates from New York City, with a focus on the United States market.

Clerq targets verticals where large transactions are common, including automotive, powersports, home and office, and private travel. The U.S. auto vertical alone represents an addressable market of more than $1 trillion, and the company reports that it already powers payments for several of the most recognised brands in the U.S. auto industry.

The company describes itself as a small, fast-moving team in which individuals carry significant responsibility and are involved in shaping the direction of the business over the coming decade.