Using Clearpay to Pay Online in Installments

Clearpay allows you to buy items online, but pay for your purchase in 4 payments every 2 weeks. The service is completely free, allowing you to shop online without incurring interest, fees or revolving debt. To use the service, all you need to do is select ‘Pay with Clearpay’ at the checkout on any participating website.

Girl buying clothes online using Clearpay as a payment option

About Clearpay

Clearpay is owned by the Afterpay Touch Group, a BNPL Provider that operates in the United States, New Zealand and Australia. Afterpay was founded by Nick Molnar, who wanted to create a safe payment alternative to credit cards for millennials.

Afterpay works by charging retailers to enable customers to split their payments interest-free. After Klarna, it is the second most popular Buy Now Pay Later provider in the UK.

How Does it Work?

  1. Shop online with a website that supports/partners with Clearpay. Some popular retailers that work with Clearpay are ASOS, Marks and Spencer LookFantastic, but you can see a full list here.
  2. Once you get to the checkout, choose ‘Pay with Clearpay’ as your payment option. You’ll then need to fill out your details so that you can be credit-checked. NB: If you have bad credit, you are unlikely to be approved.
  3. You’ll receive an instant on-screen decision on whether you’ve been approved or declined for a Clearpay account.
  4. If approved, the first of the four instalments will be debited straight away. The remaining three payments will leave your account fortnightly. If you miss a payment, interest will start to accrue.

Who is Eligible for a Clear pay Account?

To be eligible; you need to:

  • Be over 18 years old
  • Provide a valid email address and phone number
  • Have a UK bank payment card (Visa/Mastercard Debit/Credit Card)
  • Have a valid ID
  • Be living in the UK

Some things can stop you from purchasing with Clearpay even though you have an account. For example, if:

  • You’ve missed payments in the past
  • You’ve reached your spending limit
  • You’re new to Clearpay (less than six weeks)
  • You have too many open orders.

Clearpay also puts extra limits on accounts that are using a credit card instead of a debit card to minimise the debt impact on the customer.

Clearpay FAQs

Can I clear my balance early?

Yes! Clearpay has a no-penalty policy which allows you to pay early at any time without being charged extra.

What happens if I return items purchased with Clearpay?

Once the retailer has approved your return and issued a request for a refund, Clearpay will refund any money you’ve already paid and stop any future payments from leaving your account. Keep in mind that until the retailer has approved the return, payments will continue to leave your account. Once a refund is approved, it can take up to 7 business days for the money to reach your account.

If you’re only returning part of your purchase, your payment schedule will be updated as soon as the retailer finalises the return. However, your payments will be adjusted from your last payment backwards. This means your final payment might be reduced to zero, but the rest of your payments will stay the same! As of today, the new amount can’t be spread evenly across the remaining payments.

Is there a limit on how much I can spend with Clearpay?

Yes. Once you’ve purchased with Clearpay, you will typically have to wait until you’ve finished paying for one purchase before you make another. With every purchase that you make and repay successfully, your spending limit will increase. If you miss any repayments, this will affect your ability to buy with Clearpay in the future.

For some purchases, if your total order amount exceeds your spending limit, the first payment might be higher than the subsequent payments. You’ll always receive a payment plan that shows you how the instalments are split before you pay.

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