AFTERPAY LTD — Afterpay / Clearpay Bank Charge Explained

AFTERPAY LTD on your bank statement is a transaction descriptor for Afterpay / Clearpay, a finance company. Afterpay (called Clearpay in the UK and Europe) is a Buy Now Pay Later service splitting purchases into four interest-free instalments. A charge is usually one instalment of an order placed at another retailer, so expect several smaller payments.

What Is the AFTERPAY LTD Charge?

AFTERPAY LTD is a transaction descriptor for Afterpay / Clearpay, a finance company.

Afterpay (called Clearpay in the UK and Europe) is a Buy Now Pay Later service splitting purchases into four interest-free instalments. A charge is usually one instalment of an order placed at another retailer, so expect several smaller payments. Missed payments can incur fees, and entries read AFTERPAY or CLEARPAY.

This code appears on your bank statement because banks display a short payment reference — set by the merchant's payment processor — rather than the company's full trading name. The code AFTERPAY LTD is the official identifier that Afterpay / Clearpay registered with Visa or Mastercard.

Is the AFTERPAY LTD Charge Legitimate?

Afterpay / Clearpay is a well-known, legitimate company. Most charges from this merchant are authorised and relate to purchases or subscriptions you signed up for. If you don't recognise the charge, check your email for a receipt or log into your Afterpay / Clearpay account to review recent activity.

How Do I Cancel or Dispute a AFTERPAY LTD Charge?

  1. Identify the charge: Confirm the charge is from Afterpay / Clearpay by checking your email for a receipt or logging into your account on their website.
  2. Cancel your subscription: If you no longer want the service, log in to Afterpay / Clearpay and cancel your subscription through account settings before the next billing date.
  3. Contact the merchant: If you do not recognise the charge, contact Afterpay / Clearpay customer support and ask for an explanation and refund.
  4. Dispute with your bank: If the merchant does not resolve the issue, call the number on the back of your card and ask to raise a chargeback on the AFTERPAY LTD transaction. Provide the transaction date and amount.
  5. Section 75 rights: If you paid by credit card and the amount was over £100, you may have additional protection under Section 75 of the Consumer Credit Act 1974.

What Other Names Does Afterpay / Clearpay Use on Bank Statements?

Afterpay / Clearpay may also appear on your statement as:

Frequently Asked Questions About AFTERPAY LTD

What is AFTERPAY LTD on my bank statement?

AFTERPAY LTD is a bank statement transaction code for Afterpay / Clearpay, a finance company. Afterpay (called Clearpay in the UK and Europe) is a Buy Now Pay Later service splitting purchases into four interest-free instalments. A charge is usually one instalment of an order placed at another retailer, so expect several smaller payments. Missed payments can incur fees, and entries read AFTERPAY or CLEARPAY. This descriptor appears because banks display a shortened payment code instead of the full company name.

Is AFTERPAY LTD a scam?

Afterpay / Clearpay is a well-known, legitimate company. Most charges from this merchant are authorised and relate to purchases or subscriptions you signed up for. If you don't recognise the charge, check your email for a receipt or log into your Afterpay / Clearpay account to review recent activity.

Why is AFTERPAY LTD on my bank statement?

AFTERPAY LTD appears on your statement because Afterpay / Clearpay processed a payment through their card payment provider. The code is set by their payment processor and is the official descriptor registered with Visa or Mastercard. Common reasons include a subscription renewal, a one-off purchase, or a trial period that has converted to a paid plan.

How do I cancel AFTERPAY LTD?

To stop AFTERPAY LTD charges from appearing on your statement, you need to cancel your Afterpay / Clearpay subscription or account. Log in to the Afterpay / Clearpay website, go to your account settings, and cancel your subscription. If you cannot find the cancellation option or do not recognise the charge, contact your bank to dispute it and block future payments.

How do I get a refund for a AFTERPAY LTD charge?

If you believe you have been charged incorrectly by Afterpay / Clearpay, first contact their customer support to request a refund. If they are unresponsive or unhelpful, contact your bank and ask to raise a chargeback. You typically have up to 120 days from the transaction date to raise a chargeback claim. For credit card purchases over £100, you may also be protected under Section 75 of the Consumer Credit Act.

For more information about Afterpay / Clearpay and all its known transaction codes, visit the Afterpay / Clearpay merchant page.