Clearpay Finance Limited

Reference number: 826341

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Authorised by the FCA

This firm is on the FCA register and authorised to carry out regulated activities.

What the FCA says

Deferred Payment Credit (Buy Now Pay Later) - temporary permission

This firm has temporary permission to provide Deferred Payment Credit (Buy Now Pay Later) agreements. This means it’s considered authorised by the FCA, but it hasn't been assessed against the standards required for full authorisation. The firm still has to follow our rules and guidance, and if consumers have a complaint about a Buy Now Pay Later agreement, they can contact the Financial Ombudsman Service if they’re not happy with the response they get from the firm.

  • This firm is operating under temporary permission while it seeks full UK authorisation. What it is permitted to do could change.

Website, phone number and address

Compare these against whatever you were given. Scammers clone real firm names and reference numbers but use their own phone number and website, so a detail that does not match the register is the clearest warning sign there is.

In the full report: 3 background checks

  • When help.clearpay.co.uk first appeared online, and whether it can receive email
  • What kind of line 020 4572 0628 is
  • Who else gives the postcode W1W 6XH
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Other names (2)

If you were contacted under any of these names, it is this firm.

  • Clearpay Trading name
  • Afterpay Former trading name

FCA permissions and consumer protection

  • Handle payments & transfers Funds safeguarded
    Your money must be kept in a separate safeguarded account. If the firm fails, all safeguarded funds should be returned to you. With no upper limit, unlike the capped amounts under FSCS. Safeguarding works differently from FSCS, but protects your full balance when the rules are followed correctly.
  • Lend or arrange credit No FSCS cover
    Consumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
  • Complaints Ombudsman, free
    You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Show FCA detail (2 permissions)
  • Entering into regulated deferred payment credit agreements as lender
  • Exercising, or having the right to exercise, the lender’s rights and duties under regulated deferred payment credit agreements

FCA disciplinary action and complaints

No FCA disciplinary action.

The Financial Ombudsman Service only publishes complaint figures for firms with 30 or more new complaints in six months, so there are none here for this firm.

Companies House record

The company behind the firm: its status, age, registered office and directors.

Company number
05198026
Company status
Active
Company type
Private limited company
Incorporated
5 August 2004 (22 years old)
Registered office
101 New Cavendish Street, London, W1W 6XH, England
Nature of business
  • Financial intermediation not elsewhere classified (SIC 64999)

Directors and company secretaries

Name Role Born Appointed Other companies
Richard Bayer Director Aug 1967 1 Feb 2022 6 other companies
Lee Alexandra Hatton Director Sep 1975 17 Nov 2025 1 other company
Keith John Jones Director Jul 1964 1 Dec 2025 None

Other companies run by these 3 directors

A firm is run by people, and their other companies are their track record: what they built, what closed, and anything that failed. It is the check most people never think to make.

other companies
6
still active
4
went insolvent
2

In the full report: all 6 companies, named

  • What each company does, and whether it is still trading
  • Which of these 3 directors sit on each board, and since when
  • The 2 that went into liquidation or administration
  • The one on the FCA register
  • The 1 company these 3 directors run together
  • All 22 people who have ever been directors, with their dates
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Key dates in its history

Clearpay Finance’s history from the FCA register and Companies House, newest first.

Key events (9) All events (60)

2026

14 July 2026

  • Regulated by the FCA from this date
  • Became authorised by the FCA

FCA register

2022

1 February 2022

  • Afterpay Limited gave up control
  • Block, Inc. took control (75–100% of shares)

Companies House

2018

23 August 2018

  • Afterpay Limited took control (75–100% of shares)
  • Thinksmart Europe Limited gave up control

Companies House

2017

18 July 2017

  • Board replaced: both directors left and 2 new directors took over

Companies House

2016

6 April 2016

  • Thinksmart Europe Limited took control (75–100% of shares)

Companies House

2004

5 August 2004

  • Incorporated at Companies House

Companies House

In the full report: all 60 events

  • All 60 events in its history (9 shown here)
  • Every director appointment and resignation: 47
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Firms connected to Clearpay Finance

Other FCA-listed firms that share a director, phone number or address with Clearpay Finance. A link shows who the firm is tied to, not whether either can be trusted.

connected firm
1
share a director
1
share its postcode
1

In the full report: the connected firm, named

  • How it is linked: shared directors (1), the same postcode (1)
  • Who links it to this firm: the named directors, with dates
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Firms like Clearpay Finance

Other firms of the same type (lender), nearest first.

In London

Klarna Financial Services UK LimitedLondonAuthorisedAffirm U.K. LimitedLondonAuthorisedGlaxosmithkline Services UnlimitedLondonAuthorisedGoldsmiths University of LondonLondonAuthorisedPershing Securities LimitedLondonAuthorisedClydesdale Financial Services LimitedLondonAuthorised

Firms are listed by type and location, best known first. Being listed is not a recommendation: check any firm before you deal with it.

Get the full report on Clearpay Finance

Everything on this page, plus everything locked above, in one dated PDF you can keep, file or send on.

  • 6 other companies its directors have run, named
  • 3 background checks on its contact details
  • All 60 events in its history
  • 1 connected firm, named, and who links them

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Frequently asked questions about this firm

Is Clearpay Finance Limited FCA authorised?
Yes, Clearpay Finance Limited (FRN 826341) is authorised by the FCA to carry out regulated activities. It has held its current authorisation since July 2026 and works as a lender. The FCA has placed no limits on its permissions.
What is Clearpay Finance’s phone number and website?
The FCA register lists the phone number 020 4572 0628 and the website help.clearpay.co.uk/hc/en-gb for Clearpay Finance. If you were given different contact details, use these to check with the firm before going any further.
Is Clearpay Finance a scam or clone?
Clearpay Finance is a genuine FCA-listed firm, and the FCA has published no warnings about fake versions of it. Scammers do copy real firms, though, so check that any contact details you were given match the ones on the register.
Is my money safe with Clearpay Finance?
It depends on the product, but payment and e-money balances should be safeguarded in a separate account, with no upper limit on the protected amount. You can also refer complaints about Clearpay Finance to the Financial Ombudsman Service, free of charge.
Who owns Clearpay Finance?
Clearpay Finance is owned by Block, Inc., which holds 75–100% of shares, 75–100% of votes and can appoint and remove the board, since 1 February 2022. Before that, it was controlled by Thinksmart Europe Limited and Afterpay Limited.
Who runs Clearpay Finance?
Companies House lists 3 directors of Clearpay Finance: Richard Bayer, Lee Alexandra Hatton and Keith John Jones.
How long has Clearpay Finance been in business?
The company was formed on 5 August 2004, and has held its current FCA authorisation since July 2026.
Does Clearpay Finance use any other names?
It trades as Clearpay. It has previously used the name Afterpay.

Sources and links

The full report on Clearpay Finance Limited

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