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.
Identity
Check their details
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.
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Verified website
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No phone number on the FCA register
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Verified address
101 New Cavendish Street, London, W1W 6XH, United Kingdom
Company details
From the company's Companies House record.
- 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
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- Financial intermediation not elsewhere classified (SIC 64999)
Current directors and secretaries
| Name | Role | Born | Appointed |
|---|---|---|---|
| Richard Bayer | Director | Aug 1967 | 1 Feb 2022 |
| Lee Alexandra Hatton | Director | Sep 1975 | 17 Nov 2025 |
| Keith John Jones | Director | Jul 1964 | 1 Dec 2025 |
Activities and protection
What they can do, and how you are protected
- Handle payments & transfers Funds safeguardedYour 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 coverConsumer credit is not covered by the FSCS, so there is no compensation scheme if the firm fails.
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
Complaints: You can refer a complaint about this firm to the Financial Ombudsman Service for free, whichever activity it relates to.
Track record
FCA actions and complaints
No FCA disciplinary action, and no complaints recorded with the Ombudsman.
Names it no longer trades under
This firm has retired one trading name. If you were contacted under one of these, the name did belong to this firm, but check the current details above before going ahead.
Show the retired name
- Afterpay
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