pinterest pixel
clearpay
clearpay clearpay

HOW DOES CLEARPAY WORK?

Clearpay allows you to pay for your purchase over 4 installments due every 2 weeks, in accordance with the relevant Payment Schedule.

STEP BY STEP WITH CLEARPAY

STEP 1

Add your favourites to the cart

STEP 2

Select clearpay at checkout

STEP 3

Log into or create your Clearpay account, with instant approval decision

STEP 4

Your purchase will be split into 4 payments, payable every 2 weeks

clearpay clearpay

THE IMPORTANT STUFF

TO BE ELIGIBLE TO USE CLEARPAY YOU MUST:

  • 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 IsIe of Mann or IsIe or Jersey or IsIe of Guernsey addresses are allowed.
A new way to pay that’s available now and lets you own it now and pay for it later! 
 

At Clearpay we love helping you plan, book, buy and pay for goods and services you need, without losing control of your money.

But the delivery, quality and return of any goods and services you buy is always the responsibility of the retailers and the service providers you buy from. The amount and type of return you can make on a product will always be determined by the returns policy of the individual retailer you bought the item from. You should be able to find out your options by checking their returns policy on their website or contacting them directly.

Once a refund has been processed by the retailer it will automatically come through to us and once we process it, show up in your payment plan.

Now – here’s where it gets a bit complicated, so pay attention!

Our system will adjust your payments from your last instalment backwards. This means your final payment might be reduced to zero, but the rest of your payments stay the same. Our systems cannot spread the new purchase price out evenly across your four payments or across the remaining payments.

Financial refunds can take up to 7 business days depending on your financial institution. If you have any questions you should follow up with them asap.

We know that keeping your first couple of payments the same, even though you’ve received a partial refund, may not be what you wanted. But it’s the easiest way to run a system that helps you plan, book, buy and pay without ever losing control of your money.

Having said this, we are always reviewing and trying to improve Clearpay so please let us know your thoughts and keep the conversation going here.

Any payments due will continue to be taken as outlined in your payment schedule at the point you made your order.

Items you would like to return should be sent to the merchant (in-line with their returns policy) and once a refund is processed by the merchant your payment schedule will be updated with Clearpay to reflect this, applying the refund to the last instalment due first.

If there are any over-payments, these will be refunded back to the card we hold on your Clearpay account at the point we receive the refund from the merchant.

Our system will adjust your payments from your last instalment backwards. This means your final payment might be reduced to zero, but the rest of your payments stay the same. Our systems cannot spread the new purchase price out evenly across your four payments or across the remaining payments.

First things first – once you have returned your goods we need the retailer to accept the refund and let us know. They won’t refund Clearpay unless they are satisfied that goods have been returned in a manner consistent with their returns and refunds policy. So we have to wait for this to happen before we can settle your account – otherwise Clearpay would be left carrying the cost of any disputed returns and then we wouldn’t be able to provide you with this free service.

We work with all our amazing retailers and service providers to try and make sure this process happens as quickly as possible – because that’s good for you. But we can’t control this and so we have to wait for our retailers to go through their proper process.

That means our agreement with you – your short instalment plan – has to continue until we get final confirmation of a return or refund from your retailer and our systems process your refund in the amount agreed between you and the retailer.

And if you need help resolving a returns dispute with a retailer because you’re unable to resolve the dispute directly with them, please get in touch with us here and let us know what’s happening.

At Clearpay we love helping you plan, book, buy and pay for goods and services you need, without losing control of your money.

But the delivery and quality of the goods and services you buy is always the responsibility of the retailers and the service providers you buy from. That means you need to get in touch with the retailer if a delivery is taking longer than expected or it arrives with something missing or damaged. It also means that once an order is approved, only the retailer can change that order.

You can normally find a store’s contact details on its website or on the order summary we sent you when you made your purchase. And you should generally allow 48 hours for the store to respond. In the meantime our system will continue to collect your instalments as per our agreement. If you have any questions, please contact us here

This can be tricky.

When we process a refund to an account that has been closed or cancelled, funds will generally be held in an “unallocated funds” or a “general ledger” account by the card issuer (bank).

You should contact your card issuer asap. They might use different terminology for this type of account but if you use the terms “unallocated funds” or “general ledger”, this should help them understand what happened. You might need to ask for a specialist team within the bank to help get to the bottom of this one. Normally this is a manual process (rather than an automatic one), so you will need to speak with the people that manage these processes inside each bank or card issuer.

You should make sure you have the specific date, time and amount of the refund to help match up the money to your account. If you need help finding this information get in touch with us here and ask for refund confirmation.

Great news! You can now change the due date of a payment yourself via our mobile app or website! It's pretty straight forward, the steps below show you how it works.

Mobile App:

  1. Go to the 'orders' tab
  2. Click the order or payment you'd like to move
  3. Click the three dots in the top left corner & click 'Change Next Payment Date'
  4. Select your new date & click 'Confirm Date'

Pretty easy right?

Web Portal:

  1. Go to 'Payment Schedule'
  2. Click 'View Order' on the payment/order you'd like to move
  3. Click 'Change Next Payment Date' (this button is next to the 'make a payment' option)
  4. Select your new date & click 'Confirm Date'

Having troubles?

Ok, so this doesn't solve for every situation, if the option is not available you will see a message on screen like this "Uh oh! This payment date can’t be changed"

Reasons why:

  • We have some purchases that we are unable to move the move payment date for, if you try on one of those purchases you will see this error message.
  • You can only move one payment per order, if you need more help please send us a message via the mobile app
  • You will not be able to reschedule the first or last payments via this self-service feature, if you require help with this  please send us a message via the mobile app
  • If a payment is already overdue or due within the next 24 hours we cannot move the payment (neither our team or using the self-service feature), once we get within 24 hours of the due date it is too late to change the automation
  • Brand new customers (less than 42 days since your first purchase) will not be able to use this feature
  • If you are already under a hardship repayment arrangement with us you will not have this feature

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

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.

From time to time a merchant may get in touch to tell you that some/ all of the items you have ordered were not available due to stock exhaustion.

In this situation they will contact you directly to advise and may offer you alternative items or a refund.

In the instance of a refund being given, once the merchant processes the refund it will automatically drop through and be reflected on your Clearpay account we are not able to speed this process up for you (sorry)

You will be shown an estimated amount you can spend when you log into your account or app. The amount you can spend using Clearpay generally changes based on how you use your account. We know that being aware of factors that influence your available spending can help you stay in control of your finances, so we’ve broken down some of those factors below:

Making payments on time

Your payment history is an important factor that affects how much you can spend with your account. Here are a few things to look out for that may impact your available spending:  

  • Late payments
  • The frequency of late payments
  • How late a payment was made
  • How often scheduled payments on your account get declined 
  • How often orders get declined due to insufficient funds on the payment method on-file

But just as there are things that might decrease the amount you can spend, good spending behaviour like making payments on time might increase what you can spend with your account. 

We’re committed to making sure that our community feels empowered and in control of their finances, so if you’re facing financial hardship and are unable to make payments, contact us to ask about how we might be able to help. 

How long you’ve been using Clearpay

If you’re a new Clearpay user, the amount you can spend will be lower than if you’ve been responsibly using the platform for a long time. Typically, the longer you’ve been using your account—and have made payments on time—the more likely the amount you can spend will increase. 

Avoid declined purchases

Avoiding declined purchases is one way to help increase the amount you can spend with us in the future. To do this, check your account before making purchases to find out what you have available to spend. You should also make sure that the card you’re going to pay with has enough funds to cover the 1st payment.

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 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)

We do not have any influence over the delivery of your goods as this process is controlled by the merchants. Please contact the store where you purchased your goods from and ask for an expected delivery date/tracking information.

If you are unable to get in touch with the retailer, please contact us and we can try help to you.

Polite Notice:  Payments will continue despite the order not being delivered as we have no control over the delivery of goods.

If you are waiting for delivery of goods and it is taking longer than you expected or you have received your order with items missing/ damaged you need to get in touch with the store directly.

Clearpay is not able to amend, adjust or change an order once it is approved - this must be handled directly with the store.  Have a look on the merchants website for details of contact information, alternatively contact information is provided to you in your order summary from Clearpay.  

Please allow at least 48hrs for the store to respond.

Polite Notice:  Payments will continue despite the order not being delivered as we have no control over the delivery of goods.

First time shoppers with Clearpay may only have 1 order approved in the first 24hrs.

If you are brand new to Clearpay and trying to use our service multiple times you will be declined.

This helps us to keep our service FREE to use for all of our shoppers.

You have several rights under the data privacy legislation. This includes, under certain circumstances, the right to:

  • request access to your personal data
  • request correction of your personal data
  • request erasure of your personal data
  • request restriction of processing of your personal data
  • request the transfer of your personal data
  • object to processing of your personal data
  • request human intervention for automated decision making

Brief details of each of these rights are set out below. If you wish to exercise any of these rights, please email us at

Request access to your personal data

You have the right to obtain a copy of the personal data we hold about you and certain information relating to our processing of your personal data.

Request correction of your personal data

You are entitled to have your personal data corrected if it is inaccurate or incomplete. You can update your personal data at any time by logging into your account and updating your details directly, or by emailing us at DPO@clearpay.co.uk

Request erasure of your personal data

This enables you to request that Clearpay delete your personal data, where there is no good reason for us continuing to process it. Note, however, that we may not always be able to comply with your request of erasure for specific legal reasons which will be notified to you, if applicable, at the time of your request.

Request restriction of processing of your personal data

You have a right to ask Clearpay to suspend the processing of your personal data in certain scenarios, for example if you want us to establish the accuracy of the data, or you have objected to our use of your data, but we need to verify whether we have overriding legitimate grounds to use it. Where processing is restricted, we are allowed to retain sufficient information about you to ensure that the restriction is respected in future.

Request the transfer of your personal data

You have the right to obtain a digital copy of your personal data or request the transfer of your personal data to another company. Please note though that this right only applies to automated data which you initially provided consent for us to use or where we used the data to perform a contract with you.

Object to processing of your personal data

You have the right to object to the processing of your personal data where we believe we have a legitimate interest in processing it (as explained above). You also have the right to object to our processing of your personal data for direct marketing purposes. In some cases, we may demonstrate that we have compelling legitimate grounds to process your data which override your rights and freedoms.

Request human intervention for automated decision making and profiling

You have the right to request human intervention where we are carrying out automated decision making when processing your personal data. This form of processing is permitted where it is necessary as part of our contract with you, providing that appropriate safeguards are in place or your explicit consent has been obtained.

We will try to respond to all legitimate requests within one month. Occasionally, it may take us longer than a month if your request is particularly complex or you have made a number of requests. In this case, we will notify you and keep you updated. We may need to request specific information from you to help us confirm your identity and ensure your right to exercise any of the above rights. This is a security measure to ensure that personal data is not disclosed to any person who has no right to receive it.

Right to lodge a complaint

If you have any concerns or complaints regarding the way in which we process your data, please email us directly at DPO@clearpay.co.uk. You also have the right to make a complaint to the ICO (the data protection regulator in the UK). We would, however, appreciate the chance to deal with your concerns before you approach the ICO, so please do contact us in the first instance.

Changes to this our notice

From time to time we may change our privacy notice. If there are any significant changes, we will post updates on our website, applications or let you know by email.

How to contact us

We welcome feedback and are happy to answer any questions you may have about your data.

Please send any questions, comments or requests for more information to our nominated representative and Data Protection Officer, Richard Ellison who can be contacted via email DPO@clearpay.co.uk

This privacy notice was last updated – 29/4/2019

The personal data we collect from you may be transferred to, and stored at, destinations outside the European Economic Area ("EEA") using legally-provided mechanisms to lawfully transfer data across borders. It may also be processed by staff operating outside the EEA who work for us or for one of our suppliers. Such staff may be engaged in, among other things, the fulfilment of your order, the processing of your payment details and the provision of support services. We will take all steps necessary to ensure that your data is treated securely and in accordance with this privacy notice.

Whenever we transfer personal data outside the EEA, we will ensure a similar degree of protection is afforded to it by ensuring appropriate safeguards, as required by law, are in place. This may include using specific contractual clauses approved by the European Commission which give personal data the same protection as it has in Europe. More information about these is available here http://eur-lex.europa.eu/legal-content/en/TXT/?uri=CELEX:32010D0087

Please contact us if you want further information on the countries to which we may transfer personal data and the specific mechanism used by us when transferring your personal data outside the EEA.

We may disclose and share your personal data with the parties set out below:

  • where you have consented for us to do so. For example, if you have consented to receive marketing materials from third parties, or in respect of third parties’ (including co-branded or jointly promoted) products and services, we may pass your data on to the relevant third parties for the purpose of sending you such marketing communications;
  • to business partners, suppliers, sub-contractors and other third parties that we use in connection with the running of our business for the purposes set out in the table above in the section ‘How we use your data’, such as:
    • third party service providers that we engage to provide IT systems and software, and to host our website; 
    • third party service providers that we engage to deliver goods you have ordered;
    • third party service providers that we engage to send emails on our behalf including in relation to incomplete orders or abandoned baskets, or marketing communications, to provide data cleansing services and to provide marketing and advertising services;
    • analytics and search engine providers that assist us in the improvement and optimisation of our website;
    • affiliate networks through whom you have accessed our website;
  • to any third party to whom we may choose to sell, transfer, or merge parts of our business or our assets. Alternatively, we may seek to acquire other businesses or merge with them. If a change happens to our business, then the new owners may use your personal data in the same way as set out in this privacy notice.
  • to protect our customers and website from fraud and theft, we may share personal data that is required to make identity checks and personal data that we obtain from making identity checks (including data relating to your age, name and location), together with account information, with organisations (including law enforcement agencies), involved in fraud prevention and detection and credit risk reduction. Please note that these third parties may retain a record of the information that we provide to them for this purpose;
    • we may further share personal data that is required to make identity checks and personal data that we obtain from making identity checks (including data relating to your age, name and location), together with account information, with organisations (including law enforcement agencies), involved in fraud prevention and detection and credit risk reduction. Please note that these third parties may retain a record of the information that we provide to them for this purpose;
  • if we are under a duty to disclose or share your personal data in order to comply with any legal obligation; or
  • to our professional advisers including lawyers, bankers, auditors and insurers who provide consultancy, banking, legal, insurance and accounting services.

Our website may include links to and from the websites of our partner networks, advertisers and affiliates, or to social media platforms. If you follow a link to any of these websites, please note that these websites have their own privacy policies and that we do not accept any responsibility or liability for these policies. Please check these policies before you submit any personal data to their websites.

Cart

This website uses cookies to ensure you get the best experience on our website
Got it!