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Clearpay

Provider
LendingPSP

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 2 companies across 2 categories.

clearpay.com ↗Also analysed as a company — its own stack →
CategoriesLending, PSP
Rank#173 of 244 in Lending
Buyers2 companies
HeadquartersLondon, England, United Kingdom
Founded2014
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Founders & story · from Clearpay’s own dossier

Clearpay is the UK-facing brand of Afterpay (owned by Block, Inc.), the global BNPL pioneer. Originally an Australian product, it entered the UK market under the Clearpay brand via Clearpay Finance Limited. The core model — four interest-free instalments over six weeks, with the merchant paid upfront and Clearpay taking credit risk — has been extended with longer-term instalment products in the UK and a Cross Border Trade programme enabling merchants to transact across the Afterpay global network. The addition of the Pulse loyalty programme signals a shift toward reward-based retention and financial-wellness positioning.

Recent developments
  • 2023-01Clearpay launched the Pulse loyalty programme rewarding on-time payers with benefits. source ↗
Full dossier: Clearpay’s own stack, layer by layer →
Who uses Clearpay
2 companies disclose Clearpay in their stack
VisualSoftQuiksilver
Buyer mix · 2 of 2 classified
E-commerce / Platform · 1E-commerce / Retail · 1
UK · 1US · 1
What the disclosures say
VisualSoft
“VS Pay blog lists 'Klarna & Clearpay Buy Now Pay Later' as supported payment methods routed through the Stripe-powered VS Pay stack.”
Quiksilver
“Clearpay is disclosed as a BNPL payment method on quiksilver.co.uk/financing-clearpay.html (target's own domain).”
The complete buyer list and each company’s full embedded-finance stack are in the Embedded Finance Index report. Represent Clearpay? Claim this profile above to unlock your own full list.
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What Clearpay runs on · from its own dossier
The third-party providers Clearpay itself discloses, layer by layer — the vendor as a buyer. Distinct from the companies above that disclose Clearpay.
PSP
AdyenStripe
Full dossier with evidence for each layer →
Alternatives to Clearpay

Other Lending providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.

Affirm60 buyers →Klarna46 buyers →YouLend39 buyers →Mambu34 buyers →Stripe Capital30 buyers →Wisetack27 buyers →Liberis19 buyers →finmid16 buyers →
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Ranked #173 of 244 in Lending — Embedded Finance Index 2026
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