Clearpay FAQs

We offer simple instalment plans for online shoppers, allowing a purchase to be paid for in four instalments, due every 2 weeks.

Simply shop with one of your favourite stores found in the Shop Directory and choose Clearpay as your payment method at checkout. First-time shoppers provide payment details as usual, returning shoppers simply log in to make their purchase. It’s that easy!

After you check out, the goods will be shipped to you by the merchant. At any time, you can log in to your Clearpay account to see your payment schedule and make a payment before the due date. Otherwise we will automatically take the money from your debit or credit card every 2 weeks.

Please Note:

Clearpay does not approve 100% of orders. We are committed to ensuring we support responsible spending.

When determining which orders to approve, we considers a number of different factors. As an example, the longer you have been a shopper with Clearpay and the more orders you have successfully repaid, the more likely you will be able to spend more.

Things to consider:

- are there sufficient funds on your card (generally we look to see the first instalment amount being available to spend)

- length of time you have been using Clearpay (tighter in the first 6 weeks)

- amount you have to repay, it may help to pay some off (not a guarantee)

- the value of the order you are trying to place, it may help to reduce the value of your shopping cart (not a guarantee)

- adding a credit card may increase your spending power (not a guarantee)

- the number of orders you currently have 'open' with us (not a guarantee)

Whilst we know it can be frustrating to not know exactly how much you can spend each time or how many active orders you can have, our rules and approval process help Clearpay responsibly offer a completely free service to our shoppers.

The good news is – you don’t need to register before your first Clearpay purchase!

When you make a purchase with any one of our partner retailers and service providers, simply choose Clearpay as your chosen payment method at the checkout. If you’re a first-time user then provide your payment details as usual to complete your purchase. Once this first order is approved, your Clearpay account is created. Yay!

All you need to do now is visit www.clearpay.co.uk and set up your password. The next time you purchase with Clearpay, just log in securely when you checkout.

Or you can download the Clearpay App to make the whole process even easier!

Please remember that to sign up with Clearpay you need to:

Be at least 18 years old. Have a valid and verifiable email address and phone number. Use a UK bank payment card - Visa or Mastercard Debit or Credit Card. Be capable of entering into a legally binding contract. Have a verifiable and valid ID. Be living in the UK (England / Wales / Scotland & Northern Ireland) No UK territories or British Forces Post Offices addresses are allowed, No Isle of Mann or Isle or Jersey or Isle of Guernsey addresses are allowed.

You will pay the first payment at the time you make the purchase with Clearpay.

At Clearpay, we’re committed to protecting and respecting your privacy. We’re part of the Afterpay Touch Group, which is level 1 certified by the Payment Card Industry Data Security Standard (PCI DSS).

This is the highest level of security in the payment industry.

Clearpay does not charge a fee to shoppers when purchasing. The only fees applied to a shoppers account are late fees if your scheduled payments are unsuccessfully processed and, after being notified, you do not log in to your Clearpay account to make your payment via a different method. 

If you have not made the payment before the due date, and the automatic payment fails, you have until 11pm the following day to make payment.

After 11pm the following day, if that payment has not been made, you will incur a late payment fee of £6 and a further late fee of £6 if the payment is not made within 7 days (as stated in our terms)

We make more money from people making payments on time than we do from missed payments or late fees.

Late payments are bad for our business and if you miss a payment, you can’t buy anything else with us until your account is settled. That is why we do everything possible to make sure you only buy what you can afford and avoid missing any payments including:

Our late fees are low and capped so they can’t ever go higher. We stop you purchasing once you’ve missed a payment so you can’t go deeper into debt. And we use proprietary technology to stop people purchasing too much – including half of all first-time purchasers and 30 per cent of all purchase attempts.

Can you imagine a credit company stopping you from going further into debt or buying more because you missed a payment?

We know our approach works because 78% of our community have never incurred a late fee and 93% of purchases are paid for exactly on time.

That’s why Clearpay is a great way to plan, book, buy and pay.

Clearpay is available at many leading online retailers across the UK. We are constantly adding new retailers to the list so keep checking our website /shop directory for details.

If you would like to see Clearpay become available on your favourite online store, please send them an email to let them know how much you love using Clearpay!