Clearpay (Afterpay) BNPL United Kingdom 2026 • 5.00% + £0.30
Clearpay (Afterpay) United Kingdom Fee Calculator
Calculate exact merchant processing costs for Clearpay (Afterpay) Pay in 4 (5.00%) and net payout in GBP.
£
Presets:
Payment Terms
5.00% + 30p UK merchant fee for 4 bi-weekly payments.
Total Clearpay (Afterpay) Fee
0.00% Effective
£0.00
Merchant Processing Deduction
Gross Order Amount: £0.00
Percentage Rate (0%): £0.00
Fixed Transaction Cut: £0.00
Net Merchant Payout
£0.00
Settlement Time
1–2 Business Days
In Plain English: Calculating payout breakdown...
Fee Wealth Leakage Radar & Profit Drag
Payment Volume: 20 / month
Your Net Profit Margin: 20% Margin
5% (Low Margin Ecom) 20% (Agency) 50% (SaaS/Digital)
Annual Fee Drain
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Direct processor cut/yr
3-Year Outflow
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Cumulative friction
5-Yr Future Wealth
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Lost @ 8% investment
Profit Drag %
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Of your net profit taken
Bottom-Line Net Profit Split:
85.3% Kept
14.7% Absorbed by Fee
Multi-Rail Arbitrage ("Switch & Save")
Afterpay (Current)
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Active Baseline
ACH Direct Debit
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Save +$0.00
In-Person Terminal
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2.6% + 10¢
Int'l Card (+1.5% FX)
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Cross-Border Markup
%
Pass Fee to Client (Legal Surcharge Engine) Calculate zero-shortfall compliant markup & legal surcharge limits
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Pass Fee to Client (Legal Surcharge Engine) Calculate zero-shortfall compliant markup & legal surcharge limits
Target Net Payout
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Compliant Surcharge
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Final Gross Invoice
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⚖️ 2026 Legal Surcharging Compliance Rules:
• United States: Visa & Mastercard cap credit card surcharges at 3.00% (effective April 2023). Surcharging debit or prepaid cards is strictly illegal under federal operating rules.
• UK & European Union: Surcharging consumer debit and credit cards is prohibited under PSD2. B2B / corporate card surcharges remain permitted.
• Australia: Governed by RBA; surcharging is legally restricted strictly to the merchant's actual cost of card acceptance.
Client Invoice Message
Bookkeeping Journal Entry
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Frequently Asked Questions about Clearpay (Afterpay) in United Kingdom
1. What are Clearpay / Afterpay fees in the UK for 2026? ▼
In the UK, Afterpay operates under the Clearpay brand and charges merchants approximately 5.00% + 30p per completed transaction for 4 bi-weekly payments.
2. How does Clearpay compare to Klarna in the UK? ▼
Clearpay charges ~5.00% + 30p with strong adoption in fashion, cosmetics, and lifestyle retail. Klarna offers both 3 installments and 30-day deferred invoices.
3. When do Clearpay payouts settle into UK bank accounts? ▼
Clearpay deposits net sales into UK commercial bank accounts within 1 to 2 business days after the merchant confirms dispatch.
4. Does Clearpay assume non-payment credit risk in the UK? ▼
Yes. Clearpay guarantees 100% payout to the retailer. Consumer late fees and collections are managed entirely by Clearpay.
5. Can UK retailers surcharge Clearpay payments? ▼
No. Surcharging retail consumers is illegal under UK Payment Services Regulations 2017.
6. Is VAT applied to Clearpay merchant fees in the UK? ▼
No. Clearpay financial credit services are exempt from UK VAT under HMRC financial intermediary rules.
7. Does Clearpay integrate with Square POS in the UK? ▼
Yes. Square POS hardware natively supports Clearpay in-person contactless card taps.
8. Are Clearpay merchant fees tax-deductible in the UK? ▼
Yes. All merchant deductions are 100% allowable business expenses against UK Corporation Tax.