Clearpay: UK / EU's bnpl
Clearpay is a bnpl used in UK / EU. Afterpay's UK/EU brand. Available to consumers in UK / EU. This page covers how the flow works, where consumers use it, and which merchants should accept it.
How the Clearpay flow works
Clearpay is a bnpl available in UK / EU. Full public profile pending — contact us to prioritise this method.
Typical use cases
- Merchants selling to consumers in UK / EU.
Consumer reach
Available to consumers in UK / EU.
Who should accept Clearpay
- Merchants targeting the UK / EU market.
Operational detail
The operational half of every method profile — settlement, refunds, disputes, PSP coverage and licensing — is reserved for Payment Methods List founding partners. It's the part vendor sites won't publish and the part that actually decides whether Clearpay works for your stack.
Settlement time
When Clearpay advances the full principal to the merchant vs. releases in tranches, how returns and disputes claw back settled funds, currency of payout, and which PSPs front the receivable so you're not exposed to consumer repayment.
Book a founding-partner call →Refund mechanics
How refunds interact with the consumer's installment plan on Clearpay, whether the schedule pauses, shortens or is cancelled, how partial refunds are apportioned across remaining installments, and the PSP calls that trigger it cleanly.
Book a founding-partner call →Chargeback exposure
How Clearpay handles buyer disputes when the provider owns the consumer relationship, whether losses fall on the merchant or the BNPL, evidence requirements, and observed dispute rates in high-fraud verticals.
Book a founding-partner call →PSP coverage matrix
Whether Clearpay is offered natively by acquirers or only through the BNPL's own checkout SDK, effective merchant discount ranges, minimum volumes, vertical restrictions, and the PSPs that unify reporting across cards + BNPL.
Book a founding-partner call →KYC & licensing notes
Which consumer-credit and data-protection regimes Clearpay operates under in UK / EU, disclosures the merchant must show at checkout, merchant-side KYC requirements, and what changes when the BNPL is the licensed lender vs. a broker.
Book a founding-partner call →Frequently asked questions about Clearpay
What is Clearpay?
Clearpay is a bnpl used in UK / EU, in the Europe region. Afterpay's UK/EU brand. The profile on this page documents the checkout flow step by step, the use cases it fits, the consumer base that can pay with it, and the merchant types that should carry it. Last reviewed July 31, 2026 by Ale Aznar.
Which countries does Clearpay cover?
Clearpay is recorded against UK / EU in the Europe region, which is the market where its consumer reach is meaningful for merchants. Cross-border acceptance depends on the acquirer or merchant-of-record you use rather than on the rail itself. The UK / EU country hub lists every other alternative and local method tracked for that market alongside Clearpay.
What does Clearpay cost a merchant?
Pricing for Clearpay is not a single published number: it moves with monthly volume, vertical, entity type and whether you connect through a direct acquirer or an aggregator. Effective pricing bands per provider, plus the fixed-fee and FX components that sit alongside the headline rate, are part of the founding-partner dataset rather than this public UK / EU profile.
Which PSPs and aggregators give access to Clearpay?
Access to Clearpay runs either through an acquirer with a direct rail connection or through an aggregator reselling a partner's connection, and the two differ in reliability and reporting. The list of providers processing Clearpay in UK / EU today, whether each is direct or resold, and where onboarding is currently restricted sits in the founding-partner PSP coverage matrix.
Is Clearpay available for Merchants selling to consumers in UK / EU?
Yes. That is one of the documented use cases for Clearpay in UK / EU: Merchants selling to consumers in UK / EU. Vertical eligibility is ultimately set by the provider you onboard with, not by the rail, so regulated categories such as gambling, crypto and adult content are commonly excluded even where the bnpl itself supports the flow. Confirm the restriction list with your acquirer.
What are the settlement time and currency for Clearpay?
Clearpay is a bnpl, so the payer-side confirmation and the merchant-side payout are separate events with different timing. Settlement windows, cut-off behaviour outside scheme hours, the payout currency, and the realistic timeline to sweep funds out of UK / EU are documented in the operational section of this profile, available to Payment Methods List founding partners.