Payment service providers

Clearhaus

Danish card acquiring for online merchants

DenmarkEU Ownership reviewed, controller unresolved

Scope verdict

Ownership reviewed, controller unresolved

The 2024 accounts name Unzer Group GmbH as controlling shareholder and Unite Holdings SCA in Luxembourg as ultimate parent. Unzer's 2025 report discloses a wholly owned German Unite TopCo / Unite Holding / Unzer group, including Clearhaus. Neither document discloses ultimate voting owners above those holding companies. Historical KKR-majority statements and later funding reports do not establish the current controller. Ultimate control is unresolved.

How we classify services

Clearhaus A/S is a Danish payment institution and Visa/Mastercard acquirer. It processes authorisations, payments, settlements and chargebacks through the merchant's chosen payment gateway, with a dashboard and developer APIs.

The operator is CVR 33749996, Danish FSA no. 22006. Merchant terms ENG 2026-02 use Danish law and Aarhus courts. Individual agreements set reserves; Clearhaus can reassess risk and pass on scheme fees. Its Danish licence does not establish European ultimate ownership.

Pricing

Country-specific transaction pricing. With Netherlands selected on 17 September 2026: local consumer cards 1.45%, minimum €0.20; business and foreign cards from 2.75%, minimum €0.40. No monthly or setup fee. Authorisation €0.03, 3D Secure €0.04, refund €0.25, chargeback handling €35; late capture 0.34% and currency conversion 0.9% where applicable. Fees are stated not subject to VAT. Enterprise/high-risk offers and gateway charges require separate checking.

Data and operations

Infrastructure and email path

Verified operational dependencies, shown separately from ownership and from the service's core data hosting.

Public website

Amazon Web Services CloudFront

US-controlled cloud
Observed
17 September 2026: www.clearhaus.com CNAME d3snc3lydvyna3.cloudfront.net; my.clearhaus.com CNAME d1b79wl38hvr1q.cloudfront.net. Website and dashboard delivery only; neither observation identifies payment-processing origins, storage regions or backups.

Why this matters

This public website route ends on Amazon Web Services CloudFront, whose European seller is wholly owned by Amazon.com, Inc. An EU region can provide European data residency but remains under US ultimate ownership. DNS does not reveal the AWS region, the core service's host, or use of the separately operated AWS European Sovereign Cloud.

Incoming business email

Google Workspace

Non-European provider
Observed
MX 1 aspmx.l.google.com · 5 alt1.aspmx.l.google.com · 5 alt2.aspmx.l.google.com · 10 aspmx2.googlemail.com · 10 aspmx3.googlemail.com

Why this matters

Published MX records route incoming business email through Google Workspace. Correspondent details and message content can therefore enter this non-European provider's systems; MX does not reveal the configured storage region.

Authorised outbound email

Google, Zendesk, Mailchimp/Mandrill and Atlassian Statuspage

Non-European provider
Observed
17 September 2026: SPF includes _spf.google.com, mail.zendesk.com, spf.mandrillapp.com, stspg-customer.com and servers.mcsv.net. These are authorised senders, not proof that every merchant's payment data is sent to each provider.

Why this matters

This domain authorises Google, Zendesk, Mailchimp/Mandrill and Atlassian Statuspage to send email. If active, recipient details and message content can be processed by this non-European provider. SPF does not reveal its configured storage region.

Payment processing

Certified processing vendors, not named in public privacy policy

Provider control not verified
Observed
The privacy policy says processing systems are outsourced to certified vendors and Clearhaus is not physically involved in transmission or storage of card data. A current named processing-vendor, region, transfer and backup-retention matrix was not established in this review.

Public DNS records identify visible providers and routes, not every backend location or private data-region setting.

Infrastructure checked:

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