{"id":208324,"date":"2019-06-21T20:47:05","date_gmt":"2019-06-21T19:47:05","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=208324"},"modified":"2026-02-12T08:50:19","modified_gmt":"2026-02-12T08:50:19","slug":"clearpay-review","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/clearpay-review","title":{"rendered":"Clearpay review: Buy now, pay later with no interest"},"content":{"rendered":"<p>Clearpay (the British sister of popular Australian payment service Afterpay) allows you to split your online shopping totals into 4 instalments. You can check out our <a href=\"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/clearpay-stores\">full list of retailers offering Clearpay here<\/a>.<\/p><div itemscope=\"\" itemtype=\"https:\/\/schema.org\/FAQPage\"><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\" id=\"who\">Who is Clearpay?<\/h3><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>Founded in 2014, Clearpay is the little sister of the Australian buy now, pay later platform Afterpay. Afterpay is now used by merchants across Australia, the US, Canada, New Zealand, the EU and the UK (where it is called Clearpay).<\/p><p>In August 2021, payment giant Square acquired Afterpay after it announced that it entered into a Scheme Implementation Deed.<\/p><\/div><\/div><\/div><div itemscope=\"\" itemprop=\"mainEntity\" itemtype=\"https:\/\/schema.org\/Question\"><h3 itemprop=\"name\" id=\"works\">How does Clearpay work?<\/h3><div itemscope=\"\" itemprop=\"acceptedAnswer\" itemtype=\"https:\/\/schema.org\/Answer\"><div itemprop=\"text\"><p>Clearpay partners with a range of popular retailers, allowing shoppers to buy goods online or in-store there and then, but pay for them later. Customers simply shop at their chosen online store as usual and at the checkout select Clearpay as their payment method. At this point, you\u2019ll need to sign in or create your Clearpay account, providing your bank or card details.<\/p><p>The payment for your new goods will be split into 4 equal amounts over 6 weeks. The first instalment will be due immediately and the other 3 will be automatically taken from your account at 2-week intervals.<\/p><\/div><\/div><\/div><\/div><h3>How to use Clearpay: A step-by-step video<\/h3><div class=\"fin-video fin-video--horizontal\" data-player-type=\"youtube\" data-video-id=\"c-YRYdehV8Y\" style=\"\">\n    <div class=\"fin-video__container\">\n                    <img decoding=\"async\" class=\"fin-video__thumbnail\" src=\"https:\/\/img.youtube.com\/vi\/c-YRYdehV8Y\/maxresdefault.jpg\" data-fallback-sd=\"https:\/\/img.youtube.com\/vi\/c-YRYdehV8Y\/sddefault.jpg\" data-fallback-hq=\"https:\/\/img.youtube.com\/vi\/c-YRYdehV8Y\/hqdefault.jpg\" alt=\"\" loading=\"lazy\">\n                            <div class=\"fin-video__duration\">3:31<\/div>\n                        <div class=\"fin-video__play-btn\" role=\"button\" aria-label=\"Play video\"><\/div>\n                <iframe allow=\"autoplay\" class=\"fin-video__player\" id=\"ytPlayer-c-YRYdehV8Y\" title=\"Video player\"><\/iframe>\n    <\/div>\n        <\/div>\n<h3 id=\"features\">Features of shopping with Clearpay<\/h3><div class=\"u-grid\"><div class=\"u-grid__col u-1\/2@m\"><ul class=\"list-1\"><li><b>No fees to use.<\/b> Clearpay is always free to use as long as you make your payments on time. There are fees for late payment, though.<\/li><li><b>Zero interest.<\/b> Clearpay doesn\u2019t charge any interest on your total amount.<\/li><li><b>Automatic payments.<\/b> Clearpay will automatically take the second, third and fourth payments from your bank account at 2-week intervals.<\/li><\/ul><\/div><div class=\"u-grid__col u-1\/2@m\"><ul class=\"list-1\"><li><b>Orders shipped straight away.<\/b> Clearpay pays the retailer upfront so that your order is shipped as soon as you pay the first instalment.<\/li><li><b>Easy split.<\/b> Clearpay offers just 1 type of payment plan and will split your total into 4 equal amounts that will be repaid automatically.<\/li><\/ul><\/div><\/div><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block\"><ul class=\"list-3\"><li>Warning: Late repayments can cause you serious money problems. For help, contact <a href=\"https:\/\/www.moneyhelper.org.uk\/en\" target=\"_blank\" rel=\"noopener\">MoneyHelper<\/a>.<\/li><\/ul><\/div><\/article><h3>How much does Clearpay cost to use?<\/h3><p>Clearpay doesn\u2019t charge any interest or fees to use its services. The only situation in which you\u2019ll pay more is if you don\u2019t have enough money in your account to make the automatic payments. In this case, you\u2019ll be charged a late fee and will need to log in to your Clearpay account to clear the balance.<\/p><article class=\"luna-card luna-card--alt luna-card--shadow\"><div class=\"luna-card__block\"><h4>Is Clearpay safe?<\/h4><p>Clearpay is part of the Afterpay Touch Group, which is Level 1 certified by the Payment Card Industry Data Security Standard (PCI DSS). The company says your card details and personal information are always safe when you shop with Clearpay.<\/p><\/div><\/article><h3>How do I set up a Clearpay account?<\/h3><p>You must be at least 18 years old and shop with a retailer that offers Clearpay to sign up for an account.<\/p><h4>For online shopping\u2026<\/h4><ol><li>Find a retailer that offers Clearpay and add the items you want to purchase to your basket.<\/li><li>At the retailer checkout, you will see Clearpay listed as a payment option.<\/li><li>Follow the steps to create your account, including entering your email address and phone number.<\/li><li>Choose a payment method to link to your Clearpay account. Clearpay accepts payments from debit and credit cards from Amex, Mastercard or Visa.<\/li><li>Once you confirm your payment method details, Clearpay will instantly accept or reject your order and will take the first payment automatically from your nominated account.<\/li><li>Online orders will be shipped to you by the retailer after checkout.<\/li><li>Clearpay will send you notifications before each subsequent automatic payment is taken so you can make sure there\u2019s enough money attached to your nominated account.<\/li><\/ol><h4>For in-store shopping\u2026<\/h4><ol><li>Download the Clearpay app from Google Play or the App Store.<\/li><li>Follow the in-app instructions to set up the Clearpay Card, and use the Clearpay Card with Apple Pay or Google Pay to make a contactless payment at checkout.<span class=\"Apple-converted-space\"> <\/span><\/li><li>You pay 25% at the time of purchase and can take your item\/s home with you that day. You\u2019ll then pay the outstanding balance in 3 equal instalments at 2-week intervals.<\/li><\/ol><h3>What if I\u2019m late to making a payment?<\/h3><p>As soon as you miss a payment, Clearpay will immediately stop you from making any further purchases using the service. You\u2019ll be charged a late payment fee of \u00a36 and if the payment hasn\u2019t been made within 7 days, another \u00a36 fee will be added. Late fees are capped so they will never be more than \u00a324 or 25% of the order value, whichever is less. <\/p><article class=\"luna-card luna-card--alt has-margin-top-large\"><div class=\"luna-card__block\"><h3>Is Clearpay easy to use?<\/h3><p><em>Finder\u2019s BNPL expert Amelia Glean answers<\/em><\/p><div class=\"u-grid\"><div class=\"u-grid__col u-1\/4 u-1\/6@s\"><img decoding=\"async\" class=\"luna-avatar luna-avatar--large\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/03\/amelia-expert.png\" alt=\"amelia expert comment\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/03\/amelia-expert.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/03\/amelia-expert.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/03\/amelia-expert.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/03\/amelia-expert.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2020\/03\/amelia-expert.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/div><div class=\"u-grid__col u-3\/4 u-10\/12@s\">Now you know what Clearpay is and how it works, but what\u2019s it like to actually use the service?<\/div><\/div><h4 class=\"no-margin-top\">1. Fixed repayment plan<\/h4><p>Unlike Klarna and a number of other BNPL providers, Clearpay only offers 1 type of payment plan. Arguably, this makes things simpler for the user as everyone plays by the same rules. But there\u2019s no getting away from the fact that you can\u2019t use Clearpay in the same way as Klarna and \u201ctry before you buy\u201d. This is because Clearpay\u2019s payment option involves splitting the cost of your goods into 4 chunks, with 1 instalment taken at the time of purchase. While you will get your money back if you return the item, the money is still leaving your account before you\u2019re sure if you want to keep your new item.<\/p><h4>2. Automatic payments<\/h4><p>What we like about Clearpay is the payments are automatic, meaning shoppers don\u2019t need to keep an eye on due dates and risk missing the deadlines. However, all of this means that you do need to ensure there are sufficient funds in your linked account to cover the costs. Clearpay charges a late fee of \u00a36 in the first instance, and if it\u2019s still not paid after 7 days, a further \u00a36 fee will be charged. If you choose to pay by Clearpay, this is something you should be aware of.<\/p><h4>3. User-friendly app<\/h4><p>If you use Clearpay regularly, chances are you\u2019ll benefit from downloading the Clearpay app, available on both iOS and Android devices. It allows you to manage your payments efficiently and view your payment schedule, as well as browse through the range of online retailers that offer Clearpay at checkout. You can also make early payments should you wish to clear your repayment plan sooner \u2013 a handy feature for those who have the money ready and waiting.<\/p><\/div><\/article>\n\n \n\n\n<style>\n#newsletter-signup { overflow-x: clip; }\n.newsletter-signupImageHolder { width: 20%; flex-basis: 20%; flex-grow: inherit; min-width: 70px; max-width: 80px !important; position: relative; }\n.newsletter-signupImage { width: 74px; min-width: 74px; position: absolute; bottom: 0; right: 0; padding-right: 8px; }\n.newsletter-signupGrid { padding-bottom: 0 !important; }\n.newsletter-signupHeader { color: #232320; font-size: 1.2em; margin-bottom: 0; line-height: 24px; letter-spacing: -0.3px; }\n.newsletter-signupText { font-size: 16px; letter-spacing: -0.2px; line-height: 22px; }\n.emllnks { display: flex; justify-content: space-between; align-items: center; line-height: 14px; font-size: 14px; }\n.emllnks a { text-decoration: none !important; color: #232320}\n.emllnks a:focus, .emllnks a:hover { color: #232320 !important; } \n@media only screen and (max-width: 1250px) {\n#newsletter-signup { padding-left: 0.85em !important; padding-right: 0.85em !important; }\n}\n@media only screen and (max-width: 961px) {\n.newsletter-signupCard { height: 120px; }\n.newsletter-signupImageHolder { max-width: 92px !important; }\n.newsletter-signupImage { min-width: 100px; padding-right: 6px; }\n}\n@media only screen and (max-width: 601px) {\n.newsletter-signupCard { height: 200px; }\n}\n<\/style>\n\n\n\n<div id=\"newsletter-signup\" class=\"u-rounded--lg has-padding-small no-padding-bottom has-margin-top-small has-margin-bottom-small u-bg--lime-500\">\n\n<div class=\"u-grid u-grid--noWrap u-grid--alignMiddle u-grid--gutterSmall\">\n\n<div class=\"u-grid__col u-grid__col--alignBottom no-padding-bottom newsletter-signupImageHolder\"><img decoding=\"async\" title=\"Image: Finder\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png\" alt=\"George Sweeney\" class=\"newsletter-signupImage\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=360 360w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=600 600w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=900 900w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=1200 1200w\" sizes=\"(max-width: 1200px) 100vw, 1200px\" loading=\"lazy\"><\/div>\n\n<div class=\"u-grid__col has-margin-bottom-xsmall\">\n\n<div class=\"u-grid u-grid--alignMiddle\">\n<div class=\"u-grid__col u-3\/5@l\">\n\n<p class=\"newsletter-signupHeader u-italic has-padding-top-xsmall has-padding-bottom-xxsmall\">Subscribe for a chance to win \u00a3400<\/p>\n<p class=\"newsletter-signupText no-margin-bottom has-padding-bottom-xsmall\">Only 46% of competition winners claim their prize, don't miss out! (T&amp;Cs)<\/p>\n\n<\/div>\n<div class=\"u-grid__col u-2\/5@l\">\n\n<form class=\"form js-ns-newsletter\" data-validation=\"\" data-niche=\"FIN\" novalidate=\"\" data-form=\"subscriptionBox\">\n<div class=\"u-grid u-grid--gutterCollapse has-margin-bottom-xxsmall\">\n<div class=\"u-grid__col u-2\/3 newsletter-signupGrid\">\n<div class=\"form__group\">\n<div class=\"form__input-group icon-mail js-email no-margin-bottom\"><input id=\"emlfld\" class=\"form__input-text form__input-group-text\" size=\"20\" maxlength=\"100\" type=\"email\" name=\"email\" placeholder=\" Enter your email\" aria-label=\"Email Address (required)\" aria-describedby=\"privacyDescription\" required=\"\" style=\"height: 40px; border-radius: 10px 0px 0px 10px; border: 1px solid #232320; padding: 0.5em;\">\n<\/div>\n<\/div>\n<\/div>\n<div class=\"u-grid__col u-1\/3 newsletter-signupGrid\">\n<button type=\"submit\" name=\"submit\" role=\"button\" class=\"u-btn--dark luna-button luna-button--fluid relative has-overflow-hidden no-margin-bottom\" onclick=\"validateEmailJoin()\" id=\"form-submit\" style=\"border-radius: 0px 10px 10px 0px; height: 40px; border: 1px solid #232320;\"><span class=\"btn__content\">Sign up<\/span><span class=\"btn__loading loading-pulse\">loading<\/span><span class=\"btn__success icon-tick\"><\/span><\/button>\n<\/div>\n<\/div>\n<p class=\"luna-form__feedback is-hidden\" id=\"email-error\"><\/p>\n<\/form>\n\n<div class=\"no-margin-bottom emllnks text-center has-padding-top-xsmall\"><a href=\"https:\/\/www.finder.com\/uk\/about-us\/competition-winners\" class=\"has-margin-right-xxsmall\">Winners<\/a> | <a href=\"https:\/\/www.finder.com\/uk\/about-us\/example-email#savings\" class=\"has-margin-left-xxsmall has-margin-right-xxsmall\">Emails<\/a> | <a href=\"https:\/\/www.finder.com\/uk\/communication-preferences\" class=\"has-margin-left-xxsmall has-margin-right-xxsmall\">Unsubscribe<\/a> | <a href=\"https:\/\/www.finder.com\/uk\/privacy-policy\" class=\"has-margin-left-xxsmall\">Privacy<\/a><\/div>\n\n<\/div>\n<\/div>\n\n<\/div>\n<\/div>\n\n<\/div>\n\n\n\n\n\n\n<script>\ndocument.addEventListener(\"DOMContentLoaded\", function(event) {\nvar currentCookie = {};\ndocument.cookie.replace(\/([^=;]+)=([^;]*)\/gi, function(m,key,value) {currentCookie[key.replace(\/(^s+|s+$)\/g,'')] = value.replace(\/(^s+|s+$)\/g,'');});\nvar pageUrl = window.location.href;\n});\n\nfunction validateEmailJoin(){\nvar emlsgnp = document.getElementById(\"newsletter-signup\");\nvar email = document.getElementById(\"emlfld\").value;\nvar phoneNumber = '';\nvar f = document.getElementById('email-error');\nf.className = \"luna-form__feedback is-hidden\";\nif (email.includes(\"@\") && email.includes(\".\") && email.indexOf(\"gnail.com\") == -1 && email.indexOf(\"hitmail.co\") == -1) {\ngetSignUpPayload(email);\nreturn true;\n} else {\nf.innerHTML = \"Hmm... your email address doesn't look quite right. Please re-enter it and try again.\";\nf.className = \"luna-form__feedback has-padding-bottom-xsmall text-center\";\nreturn false;\n}\n};\n\nfunction getSignUpPayload(email) {\nvar trackingParams = {};\ndocument.cookie.split(';').forEach((a) => {if(a.includes(\"__futm_data=\")){trackingParams = JSON.parse(decodeURI(a.split(\"=\")[1]).replaceAll('%3A',':').replaceAll('%2C',','))}});\ntrackingParams.signUpUrl = window.location.href;\nsegmentSignUp(email,trackingParams);\nsendJoinWaitlistGAEvent();\n};\n\nfunction segmentSignUp(email,trackingParams) {\nvar email = document.getElementById(\"emlfld\").value;\nvar phoneNumber = '';\nvar f = document.getElementById('email-error');\nvar b = document.getElementById('form-submit');\n\nfunction trackSegmentBE(email) {\nvar endpointUrl = \"\/wp-json\/notification-service-proxy\/v1\/track\";\nvar params = {\neventName: \"newsletterSubscribed\",\nemail: email,\npayload: {\nsubmitNiche: 'UKCCF',\nsubmitUrl: window.location.href,\nsubmitDomainCountry: 'uk',\nsubmitForm: 'subscriptionBox',\n},\n};\nvar result = fetch(endpointUrl, {\nmethod: \"POST\",\nheaders: {\n\"Content-Type\": \"application\/x-www-form-urlencoded\",\n},\nbody: $.param(params),\n});\n}\n\ntrackSegmentBE(email);\n\nf.className = \"luna-form__feedback has-padding-bottom-xsmall text-center\";\nf.innerHTML = \"Success! Thanks for signing up.\";\nb.setAttribute(\"disabled\", \"\");\nreturn true;\n\n};\n\nfunction sendJoinWaitlistGAEvent() {\nif (window.ga === undefined) {\nreturn;\n}\n\nwindow.ga('send', 'event', 'ukfin email signup', 'signed up', null, undefined, { nonInteraction: false });\n}\n<\/script>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n<h3>How many shoppers use Clearpay?<\/h3><p>We know that Clearpay is one of the most popular BNPL platforms in the UK. Finder\u2019s report on BNPL \u201c<a href=\"https:\/\/www.finder.com\/uk\/buy-now-pay-later-providers-uk#bnpl-paper\">Instant hit: The rise and rise of buy now, pay later<\/a>\u201d showed that Clearpay saw 298,000 downloads of its app between January and July 2020. Only Klarna (986,000 downloads) and My Argos Card (435,000) racked up more in the same time period.<\/p><div class=\"importantText importantText__quote\">\n  <blockquote>\n    <div class=\"importantText__quoteIcon\"><\/div>\n    <p>Clearpay doesn\u2019t currently report your payment history to the 3 main credit reference agencies (CRAs). However, while that means missed payments won\u2019t currently affect your credit score, this could change in the future. Some BNPL providers already report to CRAs. Missing payments will also incur late payment fees and could ultimately result in more serious debt problems, so always be careful when using BNPL services.\u201d<\/p>\n    <footer class=\"importantText__quoteAuthor\">\u2013 <cite>Rachel Wait, financial journalist<\/cite><\/footer>\n  <\/blockquote>\n<\/div>\n<h3 class=\"header-section\">Clearpay customer reviews<\/h3><p>Clearpay has collected a wide range of reviews online. On Trustpilot, the buy now, pay later provider scores 4.8 out of 5 stars and has a score of \u201cExcellent\u201d, based on over 36,000 reviews (updated May 2024).<\/p><p>The Clearpay app performs even better, with a score of 4.9 out of 5 on the App Store \u2013 that\u2019s based on over 70,000 reviews (updated May 2024).<\/p><h3>What can I do if something goes wrong?<\/h3><p>On the off chance that you encounter a problem with Clearpay, we suggest taking a look at the list of <a href=\"https:\/\/help.clearpay.co.uk\/hc\/en-gb\/sections\/360004124412-Payments\" target=\"_blank\" rel=\"noopener\">FAQs<\/a> on the site. Can\u2019t find your question on there? <a href=\"https:\/\/help.clearpay.co.uk\/hc\/en-gb\/articles\/360026555071-Can-I-send-you-guys-a-message-\" target=\"_blank\" rel=\"noopener\">Send a message<\/a> online and wait for a member of the customer services team to get back to you.<\/p><h3>Pros and cons of Clearpay<\/h3><div class=\"fin-pros-cons\">\n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Pros<\/h4>\n            <ul class=\"icon-list icon-list--check-circle\">\n                                    <li>Easy to use and only 1 way to pay.<\/li>\n                                    <li>Payments are taken automatically so you don't need to worry about scheduling them.<\/li>\n                                    <li>Customer reviews are overwhelmingly positive.<\/li>\n                            <\/ul>\n        <\/div>\n    \n            <div class=\"fin-pros-cons__section\">\n            <h4 class=\"fin-pros-cons__heading\">Cons<\/h4>\n            <ul class=\"icon-list icon-list--x-circle\">\n                                    <li>You can't \"try before you buy\" as you make the first payment at the time of purchase.<\/li>\n                                    <li>Late fees if you miss an automatic payment.<\/li>\n                                    <li>Limited payment options.<\/li>\n                            <\/ul>\n        <\/div>\n    <\/div>\n<h3 id=\"verdict\">Our verdict: Is Clearpay any good?<\/h3><p>Clearpay is one of the most popular BNPL platforms in the UK, and for a good reason. It\u2019s super easy to use, set up and manage, and the app offers some good features.<\/p><p>There are 2 main drawbacks. Firstly, there are fewer payment plans to choose from compared with <a href=\"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/klarna-review\">Klarna\u2019s<\/a> 3 options. While this can certainly make things simpler for users, it doesn\u2019t allow shoppers to \u201ctry before they buy\u201d, at least without paying the first of the 4 instalments. Secondly, it charges late payment fees. <\/p><div class=\"importantText importantText__callout\">\n  <p> All in all, Clearpay is good if you\u2019re looking for a simple way to buy now, pay later in the UK and can afford all the instalments easily. <\/p>\n<\/div>\n<p>Clearpay partners with some great retailers like JD, boohoo and PrettyLittleThing, you\u2019ll pay no interest, ever, and payments are taken automatically, meaning you don\u2019t need to worry about scheduling them into your day.<\/p><h3>Check out our Clearpay FAQs<\/h3><h4>How can I contact Clearpay?<\/h4><p>Clearpay can be contacted via its online <a href=\"https:\/\/help.clearpay.co.uk\/hc\/en-gb\/requests\/new\" target=\"_blank\" rel=\"noopener\">Help Centre<\/a>, or through phone at <a href=\"tel:\/\/08081649707\">0808 164 9707<\/a>, Monday to Friday, 8am-6pm.<\/p><h4>Which cards does Clearpay accept?<\/h4><p>Clearpay accepts UK Amex, Mastercard and Visa credit and debit cards.<\/p><h4>How do I return an order?<\/h4><p>Contact the retailer you purchased your item from and follow its returns process. All returns are subject to the retailer\u2019s returns policy. To make sure no further automatic payments are taken from your account while your return is being processed, you can contact Clearpay and it will pause your payments for 2 weeks until the refund is processed. This means no late payment fees will be taken from your account. If you have a specific concern or dispute, contact Clearpay\u2019s customer service.<\/p><h4>Where do I go to manage my payments?<\/h4><p>Log in to your online Clearpay account to view your repayment schedule.<\/p><h4>When will Clearpay take my first payment?<\/h4><p>The first of your 4 payments is due immediately when you purchase your items. The other 3 payments will automatically be taken from your account at 2-week intervals after that.<\/p><h4>Is Afterpay the same as Clearpay?<\/h4><p>Afterpay and Clearpay are run by the same company, with Afterpay being the name of the BNPL service offered in Australia, the USA, Canada and New Zealand, and Clearpay being the name of the same service offered in the UK.<\/p><h4>Does Clearpay do a credit check?<\/h4><p>No, Clearpay does not run a credit check on you when you make an account. Instead, to ensure customers are likely to be able to make repayments, Clearpay may conduct a pre-authorisation on your nominated card, up to the amount of your first instalment.<\/p><h4>If I make a late Clearpay payment will it affect my <a data-trigger-introductory-modal=\"true\">credit score<\/a>?<\/h4><p>Unlike some BNPL services Clearpay doesn\u2019t currently report data to credit reference agencies (CRAs). This means that at the moment, your credit score won\u2019t be affected if you make a late payment. But that also means your credit score won\u2019t go up if you build a good payment history.<\/p><h4>Where can I shop with Clearpay?<\/h4><p>Clearpay is offered at more than 3,500 stores and sites in the UK, including big brands names like boohoo, Glossybox and more.<\/p><h4>Is Clearpay trustworthy?<\/h4><p>Yes, Clearpay has all the standard security measures used by online payment services and is level 1 certified by the Payment Card Industry Data Security Standard (PCI DSS).<\/p><h4>Will I be accepted for Clearpay?<\/h4><p>Clearpay uses several factors to decide whether to accept customers orders. To improve your chances of being accepted, we suggest starting with 1 order of a low value and ensuring you have enough money in your account to make all payments on time.<\/p><h4>Can you be declined for Clearpay?<\/h4><p>Yes, Clearpay does not approve 100% of orders. Clearpay uses a number of factors to decide whether to accept customers. These factors include the value of the order, the length of time you\u2019ve been using Clearpay, the funds available on your payment method and the number of open orders you have with Clearpay.<\/p><h4>Is Clearpay legit?<\/h4><p>Yes, Clearpay is the sister of Australian BNPL brand Afterpay, which has been in business since 2015. Clearpay is 1 of the UK\u2019s most popular BNPL services.<\/p><h4>Is Clearpay a safe payment method?<\/h4><p>Yes, Clearpay is 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.<\/p><h4>Is Clearpay only 4 payments?<\/h4><p>Yes, to keep things simple Clearpay offers only 1 payment plan which splits your online shopping order total into 4 payments.<\/p><h4>What payment methods does Clearpay accept?<\/h4><p>Clearpay accepts credit and debit cards from Amex, Mastercard and Visa as long as they\u2019ve been issued in your country of residence.<\/p><div id=\"sources\" style=\"position: relative;\"><h3 style=\"position: absolute; width: 1px; height: 1px; padding: 0; margin: -1px; overflow: hidden; clip: rect(0,0,0,0); white-space: nowrap; border: 0;\">Sources<\/h3>\n<div id=\"lazy0000000000\"><\/div>\n<script type=\"application\/json\" id=\"lazyloaded-assets-json-lazy0000000000\" class=\"lazyloaded-assets-json\">{\"critical-scripts\":[],\"scripts\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.de087a0da9824e407767.js\"],\"styles\":[\"https:\\\/\\\/www.finder.com\\\/parent-theme\\\/shortcodes\\\/article-source\\\/prod\\\/article-source.87684078d471e76125dd.css\"]}<\/script><\/div><article class=\"luna-card luna-card--alt\"><div class=\"luna-card__block has-padding-small\">We show offers we can track - that's not every product on the market...yet. Unless we've said otherwise, products are in no particular order. The terms \"best\", \"top\", \"cheap\" (and variations of these) aren't ratings, though we always explain what's great about a product when we highlight it. This is subject to our <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\" class=\"fin-text-navy\">terms of use<\/a>. When you make major financial decisions, consider getting independent financial advice. Always consider your own circumstances when you compare products so you get what's right for you. Most of the data in Finder's comparison tables is provided by Defaqto. In other cases, Finder has sourced data directly from providers.<\/div><\/article> \n\n\n<style>\n#newsletter-fltr-signup { display:none; position: fixed; bottom: 0; left: 0; width: 100%; z-index: 5; padding: 0.5em 0em 0em; box-sizing: border-box; }\n.newsletter-fltr-signupImage { width: 92px; min-width: 92px; position: absolute; bottom: -32px; right: 0; padding-right: 8px; }\n.newsletter-fltr-signupGrid { padding-bottom: 0 !important; }\n#newsletter-fltr-signup-close-btn:hover { cursor: pointer; }\n#newsletter-fltr-signup-close-btn { color: #232320; background: #C3F53C; border-radius: 4px 4px 0px 0px; height: 1.5em; width: 80px; margin: -2em 0em 0.5em auto; text-align: center; padding-top: 4px; box-sizing: border-box; }\n.newsletter-fltr-signupHeader { color: #232320; font-size: 1.2em; margin-bottom: 0; line-height: 24px; letter-spacing: -0.2px; }\n.newsletter-fltr-signupText { font-size: 16px; letter-spacing: -0.2px; line-height: 20px; }\n.emllnks { display: flex; justify-content: space-between; align-items: center; line-height: 14px; font-size: 14px; }\n.emllnks a { text-decoration: none !important; }\n.emllnks a:focus, .emllnks a:hover { color: #232320 !important; } \n@media only screen and (max-width: 1250px) {\n#newsletter-fltr-signup { padding-left: 0.85em !important; padding-right: 0.85em !important; }\n}\n@media only screen and (max-width: 961px) {\n#newsletter-fltr-signup-close-btn { right: 2em; bottom: 7.5em; }\n.newsletter-fltr-signupCard { height: 120px; }\n.newsletter-fltr-signupImage { bottom: 0; min-width: 100px; }\n}\n@media only screen and (max-width: 601px) {\n#newsletter-fltr-signup-close-btn { right: 2em; bottom: 12em; }\n.newsletter-fltr-signupCard { height: 200px; }\n}\n@-webkit-keyframes fadein { 0% { opacity: 0; } 100% { opacity: 1; } }\n@keyframes fadein { 0% { opacity:0; } 100% { opacity:1; } }\n.fadeIn { opacity: 1; -moz-animation: fadein 0.5s linear; -webkit-animation: fadein 0.5s linear; animation: fadein 0.5s linear; }\n<\/style>\n\n\n\n<div id=\"newsletter-fltr-signup\" class=\"u-bg--lime-500\">\n<div class=\"f1-main-right-content transition-all f1-main-right-content--collapsed\">\n<div class=\"content\">\n\n<div id=\"newsletter-fltr-signup-close-btn\" class=\"text-x-small\">Hide <svg class=\"luna-icon luna-icon--xsmall has-margin-top-xxsmall\"><use xlink:href=\"#chevron-down\"><\/use><\/svg><\/div>\n\n<div class=\"u-grid u-grid--noWrap u-grid--alignMiddle u-grid--gutterSmall\">\n\n<div class=\"u-grid__col u-grid__col--alignBottom no-padding-bottom\" style=\"width: 20%; flex-basis: 20%; flex-grow: inherit; min-width: 70px; max-width: 100px; position: relative;\"><img decoding=\"async\" title=\"Image: Finder\" src=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png\" alt=\"George Sweeney\" class=\"newsletter-fltr-signupImage\" width=\"92\" height=\"159\" srcset=\"https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=180 180w, https:\/\/www.finder.com\/finder-us\/wp-uploads\/sites\/3\/2024\/08\/george4.png?fit=276 276w\" sizes=\"(max-width: 276px) 100vw, 276px\" loading=\"lazy\"><\/div>\n\n<div class=\"u-grid__col\">\n\n<div class=\"u-grid u-grid--alignMiddle\">\n<div class=\"u-grid__col u-3\/5@m\">\n\n<p class=\"newsletter-fltr-signupHeader u-italic has-padding-top-xsmall has-padding-bottom-xxsmall\">Subscribe for a chance to win \u00a3400<\/p>\n<p class=\"newsletter-fltr-signupText no-margin-bottom has-padding-bottom-xsmall\">Only 46% of competition winners claim their prize, don't miss out! 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Learn how Clearpay works and the pros and cons of using it.<\/p>\n","protected":false},"author":690,"featured_media":208332,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"footnotes":""},"categories":[109833],"tags":[3986,3985],"asset_tag":[],"class_list":["post-208324","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-buy-now-pay-later","tag-buy-now-pay-later","tag-clearpay"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v24.9 (Yoast SEO v24.9) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Clearpay review: What is Clearpay and how does it work? | Finder UK<\/title>\n<meta name=\"description\" content=\"Find out all you need to know about Clearpay including how the buy now, pay later service works, and the pros and cons of using it.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/clearpay-review\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Clearpay review: Buy now, pay later with no interest\" \/>\n<meta property=\"og:description\" content=\"Find out all you need to know about Clearpay including how the buy now, pay later service works, and the pros and cons of using it.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/clearpay-review\" \/>\n<meta property=\"og:site_name\" content=\"Finder UK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/findercomuk\" \/>\n<meta property=\"article:published_time\" content=\"2019-06-21T19:47:05+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2019\/06\/clearpay_review_getty_images_250x250.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"250\" \/>\n\t<meta property=\"og:image:height\" content=\"250\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Amelia Glean\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@findercomUK\" \/>\n<meta name=\"twitter:site\" content=\"@findercomUK\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Amelia Glean\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"10 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/clearpay-review#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/clearpay-review\"},\"author\":{\"name\":\"Amelia Glean\",\"@id\":\"https:\/\/www.finder.com\/uk\/#\/schema\/person\/1383b8453f30c6b4ad492aa7572878bd\"},\"headline\":\"Clearpay review: Buy now, pay later with no interest\",\"datePublished\":\"2019-06-21T19:47:05+00:00\",\"dateModified\":\"2024-05-10T10:53:49+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/clearpay-review\"},\"wordCount\":2257,\"commentCount\":2,\"publisher\":{\"@id\":\"https:\/\/www.finder.com\/uk\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/clearpay-review#primaryimage\"},\"thumbnailUrl\":\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2019\/06\/clearpay_review_getty_images_250x250.jpg\",\"articleSection\":[\"Buy now pay later\"],\"inLanguage\":{\"@type\":\"Language\",\"name\":\"English\",\"alternateName\":\"en\"},\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/clearpay-review#respond\"]}],\"comment\":[{\"@id\":\"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/clearpay-review#comment-20841\"},{\"@id\":\"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/clearpay-review#comment-18068\"}],\"copyrightYear\":\"2019\",\"copyrightHolder\":{\"@id\":\"https:\/\/www.finder.com\/#organization\"},\"citation\":[{\"@type\":\"CreativeWork\",\"name\":\"Sensor Tower, July 2020\"}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/clearpay-review\",\"url\":\"https:\/\/www.finder.com\/uk\/buy-now-pay-later\/clearpay-review\",\"name\":\"Clearpay review: What is Clearpay and how does it work? 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