> This page is for version v2 (default).
> For other versions, use one of these documentation indexes:
> - v2 (default): https://developers-beta.clearpay.co.uk/v-2/llms.txt
> - v1: https://developers-beta.clearpay.co.uk/v-1/llms.txt

> For clean Markdown of any page, append .md to the page URL.
> For a complete documentation index, see https://developers-beta.clearpay.co.uk/llms.txt.
> For AI client integration (Claude Code, Cursor, etc.), connect to the MCP server at https://developers-beta.clearpay.co.uk/_mcp/server.

# How Does Clearpay Work?

# For the Merchant

* We pay you upfront and take on credit and fraud risk
* We help increase your average order value and conversion by increasing accessibility
* Customers use Clearpay to [discover new brands](https://www.clearpay.co.uk/en-GB/categories). For merchants, we can be your most valuable source of new customers

# For the Customer

* We split the total order amount into four instalments, taken automatically every two weeks. The customer pays the first instalment at the time of purchase
* Fast signup; Customers select Clearpay at checkout and fill out a few details to get an instant approval decision
* There is always 0% interest and never any additional fees when customers pay on time

# Clearpay Versions 1 and 2

The initial Clearpay release was the version 1.0 series, followed by our current series, version 2.0 and later. The two versions have differences in the transaction flows, see the diagram below:

![](/_fern-files/_img/e2d9fbdf4c7d03c57d67c4da0ee46cca0edeaa2065238375bfa392355b85ef18.webp)