Stripe Afterpay (Clearpay) Fees

Afterpay/Clearpay BNPL on Stripe — 6.0% + 30¢ in the US. Pay-in-4 installment financing for younger demographics. Worth it on higher-AOV fashion, beauty, and consumer goods.

At a glance

US Afterpay
6.0% + 30¢
AU Afterpay
6.0% + 30¢ AUD
UK Clearpay
6.0% + 30p
Best for
Fashion, beauty, $50–$300 AOV, Gen Z

Afterpay (called Clearpay in the UK) on Stripe is 6.0% + 30¢ in the US — slightly more expensive than Klarna. Afterpay is dominant in Australia (where it was founded) and big with Gen Z / younger millennial demographics in the US. Pay-in-4 installment model: customer pays 25% upfront, three more 25% installments every two weeks.

Frequently asked questions

Afterpay or Klarna — which should I support?
Both, if you can. They’re slightly different: Afterpay skews younger and is fashion/beauty-heavy; Klarna has broader category penetration and stronger Northern European presence. Stripe lets you enable both and the customer picks. The fee differential (5.99% vs 6.0%) is negligible.
Why is Afterpay/Clearpay more expensive than cards?
The 6% covers Afterpay’s underwriting risk and consumer credit losses. Afterpay pays the merchant upfront and chases the consumer for the four installment payments — if the consumer defaults, Afterpay absorbs it.

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