Clearpay (UK)
国家/地区: 英国 (GB) | 底层清算轨道: bnpl
BNPL
市场普及率: 40%
Clearpay（即 Afterpay 在英国的品牌）是英国主流的先买后付（BNPL）与消费金融平台，在英国年轻一代零售电商与时尚消费中占据高份额地位，以四期零利息无息分期与绑定银行卡/钱包自动代扣为优势，广泛用于服装鞋帽网购、美妆消费及中大额电商结账。
🔄 用户付款交互流 (User Flow)
- Customer selects Clearpay at checkout
- Customer logs into Clearpay account and approves 4-installment plan
- Clearpay approves transaction and debits 25% first installment
- Merchant receives 100% order payout while Clearpay collects remaining 3 installments bi-weekly
⚙️ 支付与结算特征
| 即时清算 | YES |
| 扫码支付 (QR) | NO |
| 订阅自动代扣 | YES |
| 退款支持 | YES |
🛠️ 商户端标准集成步骤 (Merchant Integration)
- Merchant API calls acquiring gateway (Stripe / Adyen / Clearpay API) for session payload
- PSP issues payment token and Clearpay hosted checkout URL
- PSP receives Clearpay clearing webhook notification