Company

One rail for cards, alternative methods and payouts.

Cleared-pay is a payment platform built and hosted in the EEA. This page says what the product is, how the company works, and what it will not do.

What Cleared-pay is

One provider for the payments a merchant with real requirements actually needs, rather than a card gateway with everything else bolted to the side.

Card acquiring: Visa and Mastercard, plus the local schemes that matter in the markets you sell in, with authorization routing that can move traffic between acquirers.
Alternative payment methods: Wallets, open banking and bank transfer, buy now pay later, vouchers and crypto rails — 55 methods in the catalogue, behind one integration.
Payouts: Money out on the same rail as money in: single or bulk, to cards and to bank accounts, with the same reporting.
A backoffice: Transactions, settlements, fee breakdowns, disputes and reserves in one place, for the person who has to reconcile them rather than the person who demonstrates them.
An API: One request creates a payment; a signed webhook tells you what happened to it. A sandbox is available from the moment an account is created, before any contract.

Underwriting that ends in an answer: We ask what you sell, how you settle, where your customers are and what your dispute history looks like. You get a yes, a no, or the specific thing that would change the answer — not silence.
A named person: Every account has someone who answers, and their name is on the account. A ticket queue is a way to reach them, not a replacement for them.
Engineering-led: The documentation, the sandbox and the error messages are the product, not collateral for it. If an integration takes a call to finish, that is a defect in the docs.
Built and hosted in the EEA: The platform runs in the EEA, and the disclosures a European buyer runs a checklist against are published rather than promised.

These are constraints on the product and on this website, enforced in the build rather than left to good intentions.

Name a client. No logo wall, no case study and no screenshot contains a real merchant. Where a customer story appears, a real customer will have agreed to it in writing first.
Claim a licence, a certification or a scheme registration we do not hold. Every fact of that kind on this site is a visible placeholder until it is confirmed, and the Trust Center lists each one.
Publish a number we have not measured. An approval rate, an uptime figure or a settlement time only appears here once it comes from our own data.
Open an account without underwriting. There is no self-serve signup, because a decision that has not been made cannot be reversed cleanly later.
Use stock photography of people, invented testimonials or an interface that does not exist.

Ten questions, a real underwriter, and an answer on methods, pricing and timing.