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PayXL

PayXL

VS

ClearBank

UK Banking Infrastructure

ClearBank
Fees from
Custom vs Custom
Features

3 shared

5 unique to PayXL · 1 unique to ClearBank
Regions

1 shared

8 unique to PayXL
Pay methods

5 shared

20 unique to PayXL · 2 unique to ClearBank

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9 features · 27 payment methods · 9 regions. We don't rank these — they're here for reference.
PayXL PayXL
ClearBank ClearBank
Quick Facts
Fees
Standard transaction rate
Custom
Custom
Settlement
Time to receive funds
Same day
Instant
Founded
—
2015
Headquarters
Canada
London, United Kingdom
Sandbox / Test Mode
—
✓
Webhook Support
—
✓
Features
PayXL leads (8 vs 4)
Crypto Support
✓
✓
Enterprise Unique
—
✓
High Risk Accepted Unique
✓
—
Instant Payout
✓
✓
Low Fees Unique
✓
—
Multi Currency Unique
✓
—
Recurring Payments
✓
✓
Startup Friendly Unique
✓
—
Virtual Terminal Unique
✓
—
Payment Methods
PayXL leads (25 vs 7)
Ach Unique
✓
—
Affirm Unique
✓
—
Afterpay Unique
✓
—
Bacs Unique
—
✓
Bank Transfer Unique
✓
—
Bitcoin Unique
✓
—
Bnpl Unique
✓
—
Chaps
✓
✓
Crypto Unique
✓
—
Direct Debit Unique
—
✓
Ethereum Unique
✓
—
Faster Payments
✓
✓
Installments Unique
✓
—
Klarna Unique
✓
—
Lightning Network Unique
✓
—
Litecoin Unique
✓
—
Real Time Payments
✓
✓
Sepa
✓
✓
Sepa Direct Debit Unique
✓
—
Solana Unique
✓
—
Stablecoin Unique
✓
—
Swift Unique
✓
—
Usdc Unique
✓
—
Usdt Unique
✓
—
Virtual Account Unique
✓
—
Wire Transfer
✓
✓
Xrp Unique
✓
—
Regions
PayXL leads (9 vs 1)
Africa Unique
✓
—
Asia Unique
✓
—
Europe
✓
✓
Global Unique
✓
—
Latin America Unique
✓
—
Middle East Unique
✓
—
North America Unique
✓
—
South America Unique
✓
—
Southeast Asia Unique
✓
—

PayXL is best when you...

Need High Risk Accepted
Not available with ClearBank
Need Low Fees
Not available with ClearBank
Want coverage in Africa, Asia, Global, Latin America, Middle East, North America, South America, Southeast Asia
ClearBank doesn't cover these regions
View PayXL

ClearBank is best when you...

UK Banking Infrastructure
Need Enterprise
Not available with PayXL
View ClearBank

Frequently Asked Questions

What is the difference between PayXL and ClearBank?
They share 5 payment methods and 1 region. PayXL adds ACH, Affirm, Afterpay and 17 more that ClearBank does not list; ClearBank adds Bacs, Direct Debit that PayXL does not list; PayXL also covers Africa, Asia and 6 more; only PayXL offers High Risk Accepted, Low Fees and 3 more.
Which is cheaper, PayXL or ClearBank?
Neither publishes a rate card — both quote on engagement, so the cheaper option depends on the volume you bring to the negotiation.
Where can I use PayXL and ClearBank?
PayXL lists 9 regions and 25 payment methods; ClearBank lists 1 and 7. both cover Europe. Check the country list on each profile before onboarding — regional coverage is not the same as local acquiring.
How do PayXL and ClearBank compare on integration and settlement?
ClearBank offers a sandbox, PayXL does not list one; ClearBank supports webhooks; PayXL settles in Same day, ClearBank in Instant.

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