When payment acceptance collapses, you get a pre‑agreed payout.

Payment Acceptance Blackout - parametric cover with independent verification + deterministic payout.
Target: within 1 working day after verification (undisputed cases).

Apply for US pilotGet indicative pricing

US pilot: onboarding 20 merchants this month. Not yet available in all states.
You’ll receive: A recommended trigger + An indicative premium band + Next steps by email within 1 working day.

Real incidents. Real revenue impact.

Merchant
Shopify Community ↗
Dec 6, 2025
“Some customers actually paid… but no orders appeared in Shopify…”
Checkout stage blocked at the edge (Cloudflare/Shopify protections)
Payments captured + missing orders → manual cleanup + lost sales
Checkout success < X% of baseline for ≥ Y minutes → payout
Rafael Nasr, Craft Pita
Chron ↗
Oct 21, 2025
“We lost 25 percent of our business yesterday.”
Upstream cloud outage cascading into ordering + POS tooling
Online ordering + delivery integrations disrupted; immediate revenue loss
Payment authorization rate < X% of baseline (service hours) for ≥ Y minutes → payout
Fortune
Stripe incident ↗
Jul 11, 2019
“One… startup said it lost roughly $100,000 in sales…”
PSP API severely degraded (Stripe)
Merchants couldn’t process payments during the incident window
Authorization success rate < X% of baseline for ≥ Y minutes → fixed payout
Block / Square
Square incident summary ↗
Sep 7, 2023
“Square products and services were unavailable.”
POS + payment services unavailable for sellers
Offline mode processed later (not real-time protection)
Approvals < X% baseline for ≥ Y min → payout

How ViaVerro Works

Trigger

(Template)

Define a blackout in plain numbers before anything happens (e.g., authorization approvals drop below X% of your baseline for ≥Y minutes). Payout is fixed upfront.

Verification

(Evidence Pack)

ViaVerro Clearing compiles an Evidence Pack from probes, read‑only merchant logs, and independent monitors — then outputs a signed YES/NO result. No PAN. No card data.

Payout

(Deterministic Settlement)

If YES, your cover pays the pre‑agreed amount sized to your volume. Target payout timeline: within 1 working day after verification (undisputed cases).

Why This Exists

When payment acceptance collapses, it’s not a “technical incident.” It’s a liquidity event.

In-store: lines form, baskets get abandoned, customers walk out.

Online: checkout fails, paid traffic is wasted. Some failures are silent - you only notice after abandoned carts and customer complaints.

Cash isn’t a reliable fallback anymore. In the U.S., cards dominate purchase payments, while cash is a shrinking share - and it’s mostly used for smaller transactions.

This is worst on the days that matter most. U.S. Black Friday online spend hit $11.8B - peak hours aren’t recoverable.

And redundancy often doesn’t save you. Modern payment stacks share upstream dependencies (PSPs, gateways, networks, cloud). When one tier degrades, “backup” routes often degrade with it.

You insure the building. You insure inventory.

This asks whether you’ll insure the payment rail that funds everything else.

Sources: baymard reuters atlantafed

Choose Your Blackout Payout

US pilot program: we’re onboarding a limited number of merchants for validation. We’re not yet generally available in all states.

Plan A
$25k payout
per incident
  • Verified blackout trigger (approval collapse)
  • Independent telemetry confirmation
  • Target payout: within 24h after verification
Select Plan
Plan B
$50k payout
per incident
  • Verified blackout trigger (approval collapse)
  • Independent telemetry confirmation
  • Same trigger/verification; higher limit
Select Plan
Plan C
$100k payout
per incident
  • Verified blackout trigger (approval collapse)
  • Independent telemetry confirmation
  • Same trigger/verification; higher limit
Select Plan
Custom Plan
Need higher limits?
We size payout to your hourly volume.
  • Same trigger/verification; higher limit
  • Target payout: within 24h after verification
Select Plan

Reserve A Pilot Slot

Submit in 2 minutes. We email indicative pricing within 1 working day.

Simple 3-step onboarding:
1. Select a plan
2. Submit your risk profile
3. Book a call (optional)

Apply for US pilot
Covered Examples
  • Verified payment authorization rate collapse vs baseline across terminals/checkout.
  • PSP/gateway degradation that produces measurable failure outcomes.
  • Platform incidents that break payment completion (when verified by evidence pack).
Not covered Examples
  • Issuer declines / insufficient funds.
  • Fraud / risk / compliance holds and reserves (separate product later).
  • Merchant-side Wi‑Fi/ISP outages (unless you explicitly add a rider and can verify it).
  • Misconfiguration you control (unless you explicitly decide to cover deployment / configuration errors later).

The Incident Case Studies

Merchants consistently describe SLA credits as “peanuts” compared to real outage damage. Traditional business interruption coverage usually doesn’t respond fast (or at all) to outages.

SLA credits won’t cover a Friday

Offline mode doesn’t remove risk — it moves it. Transactions can fail to upload, settle late, or decline after you’ve already served the customer. This is a bounded risk you can actually guarantee.

Offline Mode is not a safety net
Load More

The standard advice during a payment outage is: “Just take cash.”

Cash‑Only isn’t a fallback — it’s a revenue cliff

This is one of the most corrosive outage experiences:

Status pages don’t settle claims

Need Help? Check Our FAQs

Are you selling insurance today?
Not yet. We’re onboarding pilot partners. Coverage (when available) will be issued by a licensed insurer/partner.
What data do you collect?
Only what’s needed to verify the trigger: probes, read‑only merchant logs, and independent monitors. No PAN. No card data.
When do I get paid?
Target payout timeline: within 1 working day after verification (undisputed cases).
Where is this available?
US pilot program only. We’re not yet generally available in all states.

Start Managing Your Risk Today

Outages aren’t hypothetical. We’re building a ‘if-this-then-pay’ cover for acceptance collapse — verified by telemetry, not arguments.

Apply for US pilot