# UK BNPL Checker: Klarna, Clearpay & PayPal Pay in 3 Detector (`seaf999ield/uk-bnpl-merchant-detector`) Actor

UK BNPL checker: detect Klarna, Clearpay, PayPal Pay in 3, Laybuy and Zilch on UK online shops, plus Shopify or WooCommerce platform, for fintech sales leads, by RawTrader | UK Industry & Bills: https://ukindustryandbills.substack.com · X: x.com/ImRawTrader

- **URL**: https://apify.com/seaf999ield/uk-bnpl-merchant-detector.md
- **Developed by:** [RustonRoad](https://apify.com/seaf999ield) (community)
- **Categories:** E-commerce, Lead generation, Marketing
- **Stats:** 2 total users, 1 monthly users, 100.0% runs succeeded, 0 bookmarks
- **User rating**: No ratings yet

## Pricing

$3.00 / 1,000 merchant checkeds

This Actor is paid per event. You are not charged for the Apify platform usage, but only a fixed price for specific events.

Learn more: https://docs.apify.com/actors/running/actors-in-store.md#pay-per-event

## What's an Apify Actor?

An Actor is a serverless cloud program that runs on the Apify platform. It has two run modes.
In Batch mode, an Actor accepts a well-defined JSON input, performs an action which can take anything from a few seconds to a few hours,
and optionally produces a well-defined JSON output, datasets with results, or files in key-value store.
In Standby mode, an Actor provides a web server which can be used as a website, API, or an MCP server.

Apify vocabulary and the platform model are defined once, in the agent quickstart at https://apify.com/agents.md.

## How to integrate an Actor?

If asked about integration, you help developers integrate Actors into their projects.
You adapt to their stack and deliver integrations that are safe, well-documented, and production-ready.

Do not guess an integration path. Every one of them is in the agent quickstart at https://apify.com/agents.md: the Apify MCP server, Agent Skills with the Apify CLI, the JavaScript and Python clients, the REST API, and the account-free path for an agent with no human to sign in. It also carries the rule on stating cost before the first paid run.

For examples already wired to this Actor's own input schema, see the [API](#api) section below.

Each client library has reference documentation the quickstart does not restate: [JavaScript/TypeScript](https://docs.apify.com/api/client/js/docs.md) (`npm install apify-client`) and [Python](https://docs.apify.com/api/client/python/docs.md) (`pip install apify-client`).

# README

## UK BNPL Checker: Klarna, Clearpay & PayPal Pay in 3 Detector

**Check which buy-now-pay-later providers (Klarna, Clearpay, PayPal Pay in 3, Laybuy, Zilch...) a UK online shop offers, and which platform it runs on.**

### Who it's for

- Fintech and payments sales teams building merchant lead lists
- Agencies auditing e-commerce clients' checkout options
- Analysts measuring BNPL adoption across UK retailers

### Sample output

| domain | hasBnpl | bnplProviders | platform | status |
|---|---|---|---|---|
| oliverbonas.com | True | Klarna | – | ok |
| boohoo.com | True | Clearpay, Klarna | – | ok |
| gymshark.com | True | Klarna | Shopify | ok |

*Real rows from a test run (shortened; the full output has more fields).*

### Price per 1,000 results

Main event: **`merchant-checked` at $0.003 each**, so **1,000 results = $3.00**. See the Pricing tab for the current prices.

### Input example

```json
{
  "urls": [
    "https://www.oliverbonas.com",
    "https://www.boohoo.com",
    "https://www.gymshark.com"
  ]
}
```

**Find out which buy-now-pay-later providers a UK online shop offers, and which e-commerce platform it runs on.** Paste a list of shop URLs and get, for each shop, **Klarna, Clearpay (Afterpay), PayPal Pay in 3, Laybuy, Zilch, PayL8r, Divido / Novuna (V12 Finance), Splitit, Snap Finance, Humm, Shop Pay Installments**, plus the platform (**Shopify, WooCommerce, Magento, BigCommerce, Salesforce Commerce Cloud, Wix, Squarespace, PrestaShop, EKM** and more). Fast HTTP checks with no browser. robots.txt is honoured.

**Free weekly newsletter**, UK Industry & Bills: https://ukindustryandbills.substack.com

### What you get

- One row per shop: domain, status, `hasBnpl`, the BNPL providers found, which ones were detected as a real widget, and evidence snippets
- Covers Klarna, Clearpay (Afterpay), PayPal Pay in 3, Laybuy, Zilch, PayL8r, Divido / Novuna (V12), Splitit, Snap Finance, Humm and Shop Pay Installments
- The e-commerce platform each shop runs on (Shopify, WooCommerce, Magento, BigCommerce, Salesforce Commerce Cloud, Wix, Squarespace and more)
- An optional product-page check, because BNPL messaging often only shows next to the price
- Export to CSV, Excel or JSON, or pull results via the Apify API, Make, Zapier or n8n

### Who uses it

- **BNPL and payments sales teams:** find merchants without Klarna or Clearpay, or merchants that use a competitor, and build target lists.
- **Agencies and Shopify / WooCommerce developers:** qualify leads by platform and checkout stack.
- **Analysts and investors:** measure BNPL adoption across UK retail categories.
- **Compliance teams:** track which retailers promote BNPL now that UK BNPL regulation applies.

### How detection works

- **widget**: the provider's script, SDK or on-site messaging tag is on the page (strong evidence).
- **mention**: the provider's name appears in the page, in a payment-method list, footer logos or help links (weaker evidence).
- The actor checks the URL you give and, optionally, **one product page** linked from it, because BNPL messaging often shows only on product pages.
- Sites that return 403, show a bot challenge, or disallow us in robots.txt are reported with that `status` and are not bypassed.

### Input

```json
{ "urls": ["https://www.oliverbonas.com", "boohoo.com", "gymshark.com"], "checkProductPage": true, "onlyWithBnpl": false }
```

#### Example output (real sample)

| domain | platform | hasBnpl | bnplProviders | status |
|---|---|---|---|---|
| boohoo.com | – | true | Clearpay, Klarna | ok |
| gymshark.com | Shopify | true | Klarna | ok |
| allbirds.co.uk | Shopify | false | – | ok |

### Output

```json
{
  "domain": "boohoo.com",
  "status": "ok",
  "platform": null,
  "hasBnpl": true,
  "bnplProviders": [
    "Clearpay",
    "Klarna"
  ],
  "bnplWidgets": [],
  "evidence": {
    "Klarna": {
      "type": "mention",
      "snippet": "{\"data\":[]}}},{\"id\":114793,\"attributes\":{\"order\":4,\"title\":\"Klarna\",\"url\":\"/pages/informational/payments/klarna\",\"target\":null"
    },
    "Clearpay": {
      "type": "mention",
      "snippet": "{\"data\":[]}}},{\"id\":114791,\"attributes\":{\"order\":5,\"title\":\"Clearpay\",\"url\":\"/pages/informational/payments/clearpay\",\"target\":nu"
    }
  },
  "pagesChecked": [
    "https://www.boohoo.com/"
  ]
}
```

### Pricing (pay per event)

**In plain words:** **$3 per 1,000 shops checked** ($0.003 each). Checking 10,000 shops costs about $30. Blocked or failed sites are still reported, so you know which shops to re-check.

| Event | Price |
|---|---|
| `merchant-checked`: each shop checked and output | $0.003 |

### Limits

Detection is based on the HTML the server returns. Widgets that load only after JavaScript or a consent banner may appear only as a mention, or not at all. Headless storefronts can hide the platform. Only public pages are fetched, and no personal data is collected.

### FAQ

**Which BNPL providers are detected?** Klarna, Clearpay (Afterpay), PayPal Pay in 3, Laybuy, Zilch, PayL8r, Divido / Novuna (V12 Finance), Splitit, Snap Finance, Humm and Shop Pay Installments.

**What is the difference between a widget and a mention?** A widget means the provider's script or on-site messaging is on the page (strong evidence). A mention means the name appears in text, logos or links (weaker evidence). Use `bnplWidgets` for the strictest list.

**Can I find shops that do *not* offer Klarna?** Yes. Filter the output on `hasBnpl = false`, or on shops whose `bnplProviders` doesn't include Klarna. These are prospect lists for BNPL sales teams.

**Does it work outside the UK?** Detection works on any public shop, but the provider list is tuned for UK checkouts.

**Is it legal?** It only reads public pages, honours robots.txt, does not bypass bot protection and collects no personal data.

### Related UK data actors

- [Amazon UK Bestsellers Scraper: Movers & New Releases](https://apify.com/seaf999ield/amazon-uk-bestsellers)
- [eBay UK Scraper: Live Listings & Price Comps (GBP)](https://apify.com/seaf999ield/ebay-uk-listings-prices)
- [UK Companies House Scraper: New Companies & Insolvency Alerts](https://apify.com/seaf999ield/uk-companies-house-feed)

### About RawTrader | UK Industry & Bills

RawTrader | UK Industry & Bills is a UK newsletter and open data project tracking energy bills, fuel prices, public tenders, company closures and FCA short positions, using official data from Ofgem, DESNZ, ONS, Companies House, Find a Tender and the FCA.

- [RawTrader Data: every UK data tool in one place](https://imrawtrader.beehiiv.com/p/data)
- [UK Industry & Bills newsletter](https://imrawtrader.beehiiv.com)
- [Follow @ImRawTrader on X](https://x.com/ImRawTrader)

# Actor input Schema

## `urls` (type: `array`):

Homepages or product pages of the shops to check. Domains without https:// are fine.

## `checkProductPage` (type: `boolean`):

BNPL messaging often appears only on product pages. When on, the actor follows the first product link it finds on the page (1 extra request per shop).

## `onlyWithBnpl` (type: `boolean`):

Skip shops where no BNPL provider was detected (they are not charged).

## `concurrency` (type: `integer`):

Shops checked in parallel.

## `maxUrls` (type: `integer`):

Check at most this many URLs. 0 = all.

## Actor input object example

```json
{
  "urls": [
    "https://www.oliverbonas.com",
    "https://www.boohoo.com",
    "https://www.gymshark.com"
  ],
  "checkProductPage": true,
  "onlyWithBnpl": false,
  "concurrency": 5,
  "maxUrls": 0
}
```

# Actor output Schema

## `merchants` (type: `string`):

BNPL and platform per shop.

## `runSummary` (type: `string`):

Counts.

# API

You can run this Actor programmatically using our API. Below are code examples in JavaScript, Python, and CLI, as well as the OpenAPI specification and MCP server setup.

## JavaScript example

```javascript
import { ApifyClient } from 'apify-client';

// Initialize the ApifyClient with your Apify API token
// Replace the '<YOUR_API_TOKEN>' with your token
const client = new ApifyClient({
    token: '<YOUR_API_TOKEN>',
});

// Prepare Actor input
const input = {
    "urls": [
        "https://www.oliverbonas.com",
        "https://www.boohoo.com",
        "https://www.gymshark.com"
    ]
};

// Run the Actor and wait for it to finish
const run = await client.actor("seaf999ield/uk-bnpl-merchant-detector").call(input);

// Fetch and print Actor results from the run's dataset (if any)
console.log('Results from dataset');
console.log(`💾 Check your data here: https://console.apify.com/storage/datasets/${run.defaultDatasetId}`);
const { items } = await client.dataset(run.defaultDatasetId).listItems();
items.forEach((item) => {
    console.dir(item);
});

// 📚 Want to learn more 📖? Go to → https://docs.apify.com/api/client/js/docs

```

## Python example

```python
from apify_client import ApifyClient

# Initialize the ApifyClient with your Apify API token
# Replace '<YOUR_API_TOKEN>' with your token.
client = ApifyClient("<YOUR_API_TOKEN>")

# Prepare the Actor input
run_input = { "urls": [
        "https://www.oliverbonas.com",
        "https://www.boohoo.com",
        "https://www.gymshark.com",
    ] }

# Run the Actor and wait for it to finish
run = client.actor("seaf999ield/uk-bnpl-merchant-detector").call(run_input=run_input)

# Fetch and print Actor results from the run's dataset (if there are any)
print(f"💾 Check your data here: https://console.apify.com/storage/datasets/{run.default_dataset_id}")
for item in client.dataset(run.default_dataset_id).iterate_items():
    print(item)

# 📚 Want to learn more 📖? Go to → https://docs.apify.com/api/client/python/docs/quick-start

```

## CLI example

```bash
echo '{
  "urls": [
    "https://www.oliverbonas.com",
    "https://www.boohoo.com",
    "https://www.gymshark.com"
  ]
}' |
apify call seaf999ield/uk-bnpl-merchant-detector --silent --output-dataset

```

## MCP server setup

```json
{
    "mcpServers": {
        "apify": {
            "type": "http",
            "url": "https://mcp.apify.com/?tools=fetch-actor-details,seaf999ield/uk-bnpl-merchant-detector"
        }
    }
}
```

The hosted server signs you in with OAuth on first connect, so no API token belongs in this config. Clients without OAuth support can send an `Authorization: Bearer <APIFY_API_TOKEN>` header instead, using a token from API & Integrations in Apify Console (https://console.apify.com/settings/integrations).

## OpenAPI specification

Download the OpenAPI definition: https://api.apify.com/v2/actors/wbtELv4sjfUD8zkFB/builds/gFIsGHyMZgCDDTN6x/openapi.json