▁of ▁these ▁powers ▁as ▁a ▁way ▁to ▁provide ▁regul atory ▁o vers ight ▁and ▁protect ▁consum ers . ▁ ▁In ▁June ▁ 2 0 1 9 , ▁After pay ▁dis closed ▁that ▁it ▁was ▁under ▁pro be ▁by ▁A U STR AC ▁for ▁potential ▁bre aches ▁of ▁ ▁the ▁Anti - M oney ▁Lau nd ering ▁and ▁C ounter - T error ism ▁Fin ancing ▁Act ▁ 2 0 0 6 ▁( AML / CT F ▁reg ulations ). ▁The ▁company ▁is ▁" in ▁dialog ue " ▁with ▁the ▁regul ators ▁and ▁the ▁outcome ▁of ▁the ▁pro be ▁has ▁yet ▁to ▁be ▁determined . ▁A U STR AC ▁upon ▁ident ifying ▁several ▁concerns ▁with ▁its ▁comp liance , ▁then ▁subsequently ▁ordered ▁the ▁appointment ▁of ▁an ▁external ▁aud itor ▁at ▁After pay ' s ▁exp ense ▁to ▁examine ▁its ▁comp liance ▁with ▁the ▁A ML / CT F ▁reg ulations . ▁ ▁Compet ition ▁After pay ▁has ▁a ▁number ▁of ▁compet itors ▁including ▁L ay bu y , ▁Z ipp ay , ▁K lar na , ▁Split it , ▁Open pay ▁and ▁Se zz le . ▁ ▁References ▁ ▁External ▁links ▁ ▁Official ▁website ▁ ▁Clear pay ▁official ▁website ▁( UK ) ▁ ▁Category : Fin an cial ▁services ▁companies ▁established ▁in ▁ 2 0 1 5 ▁Category : Comp an ies ▁based ▁in ▁Melbourne ▁Category : So ftware ▁companies ▁of ▁Australia ▁Category : Austral ian ▁br ands ▁Category : Comp an ies ▁listed ▁on ▁the ▁Australian ▁Sec ur ities ▁Exchange ▁Category : Fin