What it is
Clearpay is a buy-now-pay-later (BNPL) service in the UK that lets shoppers split a purchase into four interest-free instalments paid every two weeks. For the merchant it is a financed checkout option: Clearpay pays you the full amount upfront, minus a transaction fee, and collects the instalments from the customer.
- UK BNPL splitting payment into 4 instalments
- Interest-free for the shopper
- Merchant receives full amount minus a fee
Where it is mainly used
Clearpay is used across the United Kingdom in online and in-store retail, especially fashion, beauty, home, lifestyle and marketplace sellers. It appeals to younger shoppers who prefer spreading the cost without using a credit card.
- United Kingdom
- Online and in-store retail
- Popular in fashion, beauty and lifestyle
How your customer pays at checkout
At checkout the shopper chooses Clearpay, signs in or creates an account, and Clearpay pays you in full while the customer repays in four parts. The customer sees the instalment plan clearly before confirming, which can lift average order value and conversion for eligible baskets.
- Choose Clearpay at checkout
- Sign in or set up an account
- Pay in 4 instalments; you get paid in full
How merchants access Clearpay
Merchants apply for a Clearpay business account and integrate it with their store. Clearpay supports major platforms and payment providers such as Shopify, WooCommerce, Magento and Square, so most sellers connect through an existing stack rather than building from scratch. Approval is required and eligibility criteria apply.
- Apply for a Clearpay business account
- Integrate via supported platforms and PSPs
- Approval and eligibility criteria apply
Pricing and settlement
Clearpay pays you the order value minus a transaction fee and handles customer instalments. The fee structure is set by Clearpay and can vary by region and agreement. Published pricing figures you see online are for initial screening only. Confirm the provider's official pricing page or obtain a written quote before you go live, because the exact fee depends on your plan and volume.
- You receive full amount minus a transaction fee
- Clearpay collects instalments from the shopper
- Confirm exact fees on Clearpay's official page
Public contact route
Clearpay manages merchant onboarding through its retailer pages and account representatives. There is no single public sales email published for general enquiries; use the official retailer page and your account representative.
- Retailer page: https://www.clearpay.co.uk/en-GB/for-retailers/afterpay-for-business-uk
- Help centre: https://developers.clearpay.co.uk/google-analytics
- No public sales email found; use the official website contact page or LocalPayMap consultation.
Questions merchants ask
Do I get paid if the customer misses an instalment?
Clearpay pays you the full purchase amount upfront minus its fee, so your revenue is not dependent on the customer paying each instalment. Clearpay takes on that collection risk under its standard model.
Is Clearpay a credit product?
It is a form of deferred payment credit. In the UK it now sits under BNPL regulation, so both Clearpay and merchants must follow the applicable rules. Check your own compliance obligations.
Which platforms support Clearpay?
Clearpay lists integrations with major platforms and payment providers including Shopify, WooCommerce, Magento and Square. Confirm the current list on Clearpay's official retailer page before you build.
What does it cost me?
You pay a transaction fee taken from the order value; Clearpay bears the customer instalment risk. Published figures are for initial screening only; confirm Clearpay's official pricing page or a written quote before you go live.
Will offering Clearpay increase sales?
Many retailers report higher average order values and improved conversion with BNPL, but results vary by category and customer base. Test it as one of several payment options rather than assuming a fixed uplift.
Can I refund a Clearpay order?
Yes, refunds are handled through your Clearpay Business Hub and Clearpay returns the relevant amounts to the customer's instalment plan. Keep your standard refund policy clear to avoid confusion.