Clearpay (Afterpay)
Last verified 2026-04-26
Clearpay (Afterpay) is a UK alternative payment method operating across online payments. Headline rate Merchant fee plus per-transaction fee (varies by plan), 1 to 2 days, no contract. UK buy-now-pay-later (Pay-in-4), not a card acquirer or gateway. Strong young-consumer adoption.
Verifiable identifier chain
Commercial profile
- Headline rate
- Merchant fee plus per-transaction fee (varies by plan)
- Settlement
- 1 to 2 days
- Contract
- No contract
- Channels
- Online payments
- Tier
- Alternative payment method
Editorial notes
UK buy-now-pay-later (Pay-in-4), not a card acquirer or gateway. Strong young-consumer adoption.
More from the panel
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Founder & Managing Director, Muswell Rose, MerchantHQ
Adam is the founder and managing director of Muswell Rose and a founder of Best Business Loans Ltd, the company behind MerchantHQ. His career runs through insurance, mortgages, commercial finance and fintech lending, including payments and merchant services. He writes the MerchantHQ library.
Last reviewed: 26 April 2026