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Pay in Instalments | Clearpay Buy Now Pay Later Affordable Shopping

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Features of shopping with Clearpay


Love Amber x

  • No fees. Clearpay is always free to use as long as you make your payments on time.

  • Zero interest. Clearpay doesn’t charge any interest on your total amount.

  • Automatic payments. Clearpay will automatically take the second, third and fourth payments from your bank account at two-week intervals.

  • Orders shipped straight away. Clearpay pays the retailer upfront so that your order is shipped as soon as you pay the first instalment.

  • Easy split. Clearpay offers just one type of payment plan and will split your total into four equal amounts that will be repaid automatically.

How much does Clearpay cost to use?

Clearpay doesn’t charge any interest or fees to use its services. The only situation in which you’ll pay more than your total purchase price is if you do not have enough money in your account to make the automatic payments. In this case you will be charged a late fee and will need to log in to your Clearpay account to clear the balance.

Is Clearpay safe?

Yes. Clearpay is part of the Afterpay Touch Group, which is Level 1 certified by the Payment Card Industry Data Security Standard (PCI DSS). So your card details and personal information is always safe when you shop with Clearpay.

How to sign up for Clearpay?

You must be at least 18 years old and shop with a retailer that offers Clearpay to sign up for an account and a UK resident.

In addition:

  • Have access to a valid, verifiable email address and phone number
  • Have a UK bank account

When shopping with us, you’ll see Clearpay listed as a payment option at the checkout. Click Clearpay and complete the short application on the next page. You’ll know instantly if you’re approved to use the service.

Where do I go to manage my payments?

Log in to your online Clearpay account to view your repayment schedule.

When will I get my item?

Clearpay orders are delivered within our standard delivery timeframes like any normal order from

When will my first payment be taken?

The first of your four payments is due immediately when you confirm your order. The other three payments are due two weeks apart after that date.

There are no fees involved when using Clearpay unless a payment is missed.

You'll receive a reminder from Clearpay 2 days before each instalment is collected. If you miss one of your scheduled payments, simply log in to your App or online and click PAY NOW next to your "overdue payment". You'll have until 11pm the next day to make a missed payment before being charged any late fees.

You can pay off the balance of your order early with the ‘PAY NOW’ feature in the Clearpay app

Is Clearpay Free?

Yes. Clearpay does not charge interest for its finance, meaning that what you agree to pay at the point of purchase with the retailer is the exact amount that you will be paying via Clearpay – the transaction is just split over 4 separate interest-free payments.

There are no fees involved when using Clearpay unless a payment is missed.

Late Payments

After your order is processed, you can log in to your account to view orders, make payments, and manage account details. Your payment scheduled will be emailed to you. If funds are not available at the time the automatic payment is due, you will be charged a late fee of £6 with an additional £6 fee added after 7 days if payment is still unpaid. Their business model does not revolve around charging late payment fees and they promise, where possible, to help customers with their finances as much as possible.

Is there a limit?

Yes. All Clearpay customers are given a credit limit. This limit is initially set relatively low (remember, Clearpay doesn’t check your credit score, so it has no idea how responsible, or irresponsible, you are with your money) but it can be quickly built up by making payments in full and on time.

If your Clearpay credit limit is not enough to cover the cost of your purchase, you will be charged a larger amount at the point of sale – whatever is available on your limit will still be split and paid over the next 4 weeks.

What items are not eligible for Clearpay payment?

Clearpay is not available on purchases of gift cards or eGift Cards. If your order contains gift cards and other eligible products, you will need to purchase your gift cards separately.

Clearpay App

The Clearpay app is available on both iOS and Android devices and allows shoppers to manage their payments and view their payment schedule, as well as browse through the ever-expanding range of online retailers that use Clearpay.

Having trouble paying with Clearpay? 

If you have any trouble placing an order with Clearpay, it could be due to one of the following reasons: 

  • Clearpay may have rejected your application to pay on account. We'd recommend choosing another type of payment or placing an order for a smaller amount. 
  • Clearpay  may not have been able to check your details using the billing address that you've provided. You'll need to make sure that your billing address is the same address that your bank/credit cards are registered to. 
  •  You may have outstanding payments on previous  Clearpay statements. Once these are paid off, try Clearpay again. If you've recently paid off outstanding statements, please allow 24 hours before trying to pay through  Clearpay again.. 
  • You may have missed a required field at the checkout, such as filling in your Date of Birth. 
  • If you haven't used  Clearpay  before and you're shipping to a different address to your billing address, the payment may be declined. 

How do I return or exchange an item bought with Clearplay?

Clearpay returns will follow our standard returns process. Please note, refunds for Clearpay will be refunded from to Clearpay and we cannot provide an exchange or cash refund. As soon as the refund has been processed it will drop into your online Clearpay account. 

Clearpay's policy

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