ClearAccept

What ClearAccept does

ClearAccept Ltd is a UK-based, FCA-aligned embedded payment acceptance platform that operates as a subsidiary of ClearCourse Partnership Holdings Limited, a private technology group comprising 30+ software companies, 800+ employees and more than 20,000 end-clients. Founded in 2018 and headquartered in London, ClearAccept is distributed exclusively through 25+ ClearCourse software platforms across eight SMB verticals — automotive, hospitality, jobs and trades, medical and aesthetics, membership, retail, sport and leisure, and veterinary — serving 3,000+ merchants with £1bn+ in annual card processing volume and roughly £70m processed every month. Its core products are online payments (branded checkout, recurring billing, payment links), a card-machine portfolio spanning countertop, portable, mobile and Android terminals (Lane/3600, Move/5000, Link/2500, Axium DX8000) sourced from Ingenico/Worldline, a browser-based virtual terminal for card-not-present phone payments, and a pay-at-table restaurant workflow; these are wrapped by 24/7 fraud monitoring with in-house risk review and a Revenue Finance product (up to £1,000,000) powered by Liberis.

The underlying technology stack combines a unified software-embedded payments API across ClearCourse platforms, PCI DSS Level 1 and PSD2 SCA-compliant processing, and a merchant reporting portal (portal.clearaccept.com) backed by Bambora for acquiring, settlement and indirect-ISO merchant onboarding under a net-settlement model. ClearAccept monetises primarily through per-transaction processing fees, hardware margin on terminal sales, and affiliate commissions from Liberis for Revenue Finance referrals; pricing is not publicly disclosed and onboarding is supported by a direct sales team in addition to software-partner referrals. The company remains private, UK-only, and without disclosed external funding rounds.

Name

ClearAccept

Legal name

ClearAccept Ltd

Website

https://clearaccept.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

11–50 employees

Short description

ClearAccept is a UK-based embedded payment acceptance platform, wholly owned by ClearCourse, providing multi-channel card payments (online, card machines, virtual terminal, pay-by-link) integrated directly into 25+ ClearCourse software platforms serving 3,000+ SMB merchants across eight verticals.

Ownership category

akta.pro rank

Product category

Payment Processing Software

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Activities Related to Credit Intermediation (5223)

SIC

Services-Prepackaged Software (7372), Finance Services (6199)

akta.pro primary industry

A2A Checkout & Merchant Acceptance Solutions (FSAMAFAF)

akta.pro secondary industries

A2A Fraud, Risk & Authentication (FSAMAFAI), Open-Loop Prepaid Cards (Network-Branded) (FSAMANAA)

Keywords

• Embedded payment processing
• Card machine terminals
• Online payment gateway
• Pay by link
• Virtual terminal payments

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Software

Cost components

Technology or R&D, Operations, Marketing or Sales, Supply Chain, Personnel

Revenue model

1. Payment Processing Fees: Transaction fees from processing card payments across all channels (online, in-person, phone). Net settlement model where transaction fees are deducted from sales prior to payout.
2. Hardware Sales: Sale of card machines including countertop, portable, and mobile terminals
3. Revenue Finance Partnership: Commission from Liberis for referrals to Revenue Finance product. ClearAccept Ltd receives commission following successful referral.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels4 records

Core offering

ClearAccept provides embedded payment acceptance for software companies, enabling businesses to accept card payments across online, in-person (via card machines), over-the-phone (virtual terminal), and via pay-by-link channels directly within their ClearCourse software platforms. The platform unifies reporting and reconciliation, eliminates double-keying, and includes 24/7 fraud monitoring, with optional Revenue Finance funding of up to £1,000,000 powered by Liberis.

Product overview

ClearAccept is an embedded multi-channel payment acceptance platform and part of ClearCourse, a UK-based technology group. The core offering is the ClearAccept integrated payments platform, which provides a unified overlay across ClearCourse's portfolio of 25+ software platforms spanning sectors including automotive, hospitality, medical/aesthetics, membership, retail, sport/leisure, veterinary, and jobs/trades. The platform's core products are Online Payments (e-commerce checkout), Card Machines (a range of countertop, portable, and mobile terminals including Lane/3600, Lane/3000, Move/5000, Link/2500, and Axium DX8000), Virtual Terminal (card-not-present over-the-phone payments), and Pay by Link (secure payment links via SMS/email). These are complemented by the Pay at Table restaurant solution (built on the Axium DX8000 Android machine), Fraud Monitoring (24/7 active anomaly detection on online and phone transactions — included as standard), and ClearAccept Revenue Finance (up to £1,000,000 in flexible business funding powered by Liberis). Merchants access the platform via the ClearAccept Merchant Portal (for direct merchants) or the Bambora Transaction Portal (for indirect/ISO merchants). All payment channels are integrated into the software platforms customers already use, enabling unified reporting and reconciliation across in-person, online, and phone payments.

Differentiator

Problem solved

Functional benefit

Products and services

• Online Payments Multi-channel online payments solution enabling UK businesses to accept credit and debit card payments via a branded checkout on websites, in apps, or through payment links. Supports recurring payments for subscriptions and invoices. PSD2 SCA compliant and PCI DSS Level 1 certified. Targeted at ClearCourse software customers across retail, membership, and online verticals.
• Card Machines Range of integrated card payment terminals (countertop, portable, mobile form factors) including the Lane/3600, Lane/3000, Move/5000, Link/2500, and Axium DX8000. All machines integrate with ClearCourse software, supporting chip-and-pin, contactless, and NFC payments.
• Lane/3600 Countertop Card Machine Integrated countertop card machine connecting directly to a till via Ethernet. Features 2.8" backlit LCD colour screen, PCI PTS 5.x certified, end-to-end encrypted. Designed for fixed-location retail businesses such as clothing stores, garden centres, and sports stadiums.
• Link/2500 Mobile Card Machine Compact integrated mobile card machine with Bluetooth and WiFi connectivity. Weighs 155g with 2.4" colour screen, PCI PTS 4.x certified. Designed for on-the-road payments at markets, trade jobs, or customer sites.
• Axium DX8000 Android Card Machine Next-generation Android-powered touchscreen card machine with 6" HD+ colour display, built-in printer, 16GB Flash/2GB RAM, multiple connectivity options, PCI PTS 6.x certified. Available as standalone, Pay at Table, or fully integrated solutions.
• Move/5000 Portable Card Machine Portable card machine with built-in printer, rechargeable battery, Bluetooth/Ethernet/WiFi/mobile connectivity, 3.5" colour touchscreen and 16 keys. Designed for restaurants, retail, and garages requiring payments away from the till.
• Pay at Table Integrated restaurant payment solution using the Axium DX8000 Android card machine. Enables servers to take payments directly at the table, split bills, add tips, and print receipts without returning to the till. Supports light and dark mode.
• Virtual Terminal Browser-based virtual terminal embedded in ClearCourse software platforms that lets businesses take card payments over the phone. Data is encrypted and tokenised with PCI DSS compliance and managed alongside other ClearAccept channels.
• Pay by Link Payment link solution that lets businesses send a secure link via text or email so customers can complete card payments online. Supports goods sales, service payments, and outstanding balance collection.
• Fraud Monitoring 24/7 active fraud monitoring solution processing all online and over-the-phone transactions with anomaly detection; flagged transactions are reviewed by ClearAccept's Risk and Compliance team who may contact the merchant. Included as standard with the platform.
• ClearAccept Revenue Finance Business funding product powered by Liberis, providing flexible funding of up to £1,000,000 for ClearAccept customers. Repayments flex with card transaction revenue (a percentage of monthly card sales). No fixed monthly payments, no interest, and a single fixed fee. Merchants may receive funds within 24 hours of approval.
• ClearAccept Merchant Portal Online merchant reporting portal (portal.clearaccept.com) for direct ClearAccept merchants, providing real-time transaction monitoring, payout batch viewing, Excel data export, and bank account reconciliation. Supports multi-factor authentication via authenticator app or SMS OTP.

Quantifiable outcome

• Time savings: Payment processing reduced from 15 hours to under 2 hours
• +1 more outcomes

Named customers5 records

Segments8 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration24 records

AI capability1 record

Feature4 records

Partnerships

Three partnerships are on record, tiered core and flagship.

• BamboracoreTechnology or IntegrationBambora provides the acquiring and settlement services for ClearAccept merchants. Processes and settles transactions to nominated bank accounts. Provides merchant portal for transaction viewing and reconciliation.
• ClearCourseflagshipStrategic or Co-development PartnerClearAccept is a subsidiary of ClearCourse, a UK-based technology group providing software and payments for SMEs. ClearAccept was created specifically to solve payment needs of ClearCourse software customers. Part of 30+ company group with 800+ employees and 20,000+ end-clients.
• IngenicocoreTechnology or IntegrationIngenico, part of Worldline, is the manufacturer of card terminals provided by ClearAccept. Ingenico provides the hardware including Lane/3600, Move/5000, and Link/2500 terminals with integrated TMS software.

Scale indicators7 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• Tyl by NatWest: UK bank-affiliated payment acceptance provider offering card machines and integrated payments to SMBs. Comparable in UK market focus and integrated payment acceptance offerings.
• Stripe: Global payments infrastructure provider offering online checkout, in-person payments, and embedded finance APIs. Comparable on payment acceptance products and increasingly on embedded software payments plays.
• takepayments: UK-based SMB payment processor offering card machines, online payments, and pay-by-link. Directly comparable in UK SMB market, product mix, and partnership-led distribution.
• SumUp: European SMB-focused payment acceptance provider offering card readers, online payments, and point-of-sale solutions. Directly comparable to ClearAccept in target market (UK and European SMBs), product scope (multi-channel card acceptance), and channel-led go-to-market.
• Dojo: UK-focused SMB card payment acceptance provider offering card machines, online payments, and integrations with software platforms. Closest geographic peer with similar SMB and integrated-software positioning.
• SpotOn: US-based SMB software + payments provider combining POS, reservations, and payment processing across verticals (restaurants, retail, services). Strong analog for ClearAccept's vertical-SaaS-plus-payments model in a different geography.
• Zettle (PayPal): PayPal-owned SMB payment acceptance brand offering card readers, online checkout, and POS integrations. Directly comparable in product (card machines, online, virtual terminal) and target SMB customer base.
• Square (Block): Global SMB payments and software platform combining card acceptance, POS, and business software. Comparable to ClearAccept in serving SMB merchants with integrated payments + software across verticals.

Broad incumbents

• Adyen: Global unified payments platform serving large enterprises and platforms with omnichannel card acceptance and embedded finance. Comparable on multi-channel payment infrastructure though focused on larger merchants than ClearAccept.
• Worldpay (Fiserv): One of the largest global payment processors/acquirers offering card acceptance, online payments, and merchant services. Comparable as the incumbent acquirer ecosystem ClearAccept and its merchants operate within (ClearAccept itself uses Bambora/Worldline).

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/clearaccept
• Xx.com/clearaccept

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about ClearAccept