ClearPay
ClearPay is the UK version of Afterpay, offering Buy Now Pay Later installments split into four payments. ClearPay pays merchants upfront while customers repay over six weeks using linked cards.
ClearPay is the UK version of Afterpay, offering Buy Now Pay Later installments split into four payments. ClearPay pays merchants upfront while customers repay over six weeks using linked cards. The system reduces credit exposure for merchants and supports SCA-compliant authentication. It drives higher AOV and checkout conversion, especially in fashion, beauty, lifestyle, and youth-oriented e-commerce sectors. Ideal for UK merchants targeting installment-driven shoppers.
payment methods
What ClearPay costs
Merchants do not pay ClearPay directly. Each payment provider that offers it sets its own rate, so compare a few and ask them to quote.
What the last check found
Nuvei's integration data records this as an acceptance method rather than a payout rail: it takes payments and supports refunds, but money cannot be sent out through it. The distinction matters because a "supported payment methods" list treats paying in and paying out as the same thing, and for most local rails they are not — of the methods checked in this pass, far more accept money than return it.
The gateways that carry this method do not agree on where it works, and each is right about itself. Adyen and Nuvei document it in the United Kingdom, while Airwallex documents it in Australia, Canada, New Zealand, the United Kingdom and the United States; and Stripe documents it in Australia, Canada, the United Kingdom, New Zealand and the United States. A gateway states the markets where IT has licensed and built the rail, not the markets where the rail exists, so the union recorded here — Australia, Canada, the United Kingdom, New Zealand, the United Kingdom and the United States — is what somebody could reach across providers, not what any one of them will give you. Which countries you actually get depends on who you sign with.
Adyen files it under "Buy Now Pay Later", and states it supports Chargebacks, Delayed captures, Disputes, Multiple partial captures, Multiple partial refunds, Partial captures, Partial refunds, Recurring payments and Separate captures. Its catalog is the one place in this industry that publishes a method's countries, its processing currencies and its settlement currencies separately, which is the difference between what a customer can be charged in and what a merchant can be paid in.
One constraint that is easy to miss: a provider documenting this method also states where the MERCHANT has to be incorporated for it to be offered — Australia, Canada, the United Kingdom, New Zealand and the United States. Where a shopper can pay from and where a business can be registered are different questions, and it is the second one that decides whether you can sign at all.
This pass adds coverage rather than confirming it: the listing held 1 country and the gateway documentation states 6. Nothing was removed — the earlier rows stand — but the figure now has a source behind it.
Checked against ClearPay’s own documentation on 20 October 2026. Coverage changes; confirm anything you are about to build on.
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Sources · 4
- Adyen Docs — payment methods catalog · docs.adyen.comUsed for countries, processing and settlement currencies, and supported features for ClearPay, as Adyen documents itChecked 20 October 2026
- Nuvei — APMs per currency and country (January 2026) · docs.nuvei.comUsed for countries, currencies and whether the method supports deposits, refunds and withdrawals for ClearPay, as Nuvei documents itChecked 20 October 2026
- Airwallex Docs — payment methods · airwallex.comUsed for shopper locations and presentment currencies for ClearPay, as Airwallex documents it (matched on name, not exact string)Checked 20 October 2026
- Stripe Docs — payment method support · docs.stripe.comUsed for presentment currencies, business locations and customer countries for ClearPay, as Stripe documents it (matched on name, not exact string)Checked 20 October 2026
4 sources · last checked 21 October 2026 — each one says which claim it supports.
Compiled from public sources — verify with ClearPay before you sign anything. How we compile this · Suggest a correction ·