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1. What is Clearpay?
Clearpay is a payment service that lends customers a fixed amount of credit to make purchases instantly and then pay for them in 4 automatic instalments, made every 2 weeks, without any interest (late fees apply).
The service is provided by Clearpay Finance Ltd.
2. How do I use Clearpay?
Choose the item(s) you wish to purchase as normal. Then, at the checkout, select the Clearpay payment method. You will be directed to the Clearpay website to register and provide payment details (Visa, Mastercard or Amex). If you’ve used Clearpay before, you will be able to log in to your Clearpay account.
Then complete your order as normal.
3. Where can I use Clearpay?
Please see the Clearpay Shop Directory to view other retailers where you can use Clearpay.
4. Who can use Clearpay?
Clearpay is only available to permanent UK residents aged 18+ (excluding Channel Islands) with a UK billing address.
Customers with international billing addresses will not be able to use Clearpay or create a Clearpay account.
Other eligibility conditions do apply. Please see the Clearpay Terms of Service for further information.
5. How does the Clearpay payment schedule work?
Clearpay will split the total value of your order into 4 instalments payable every fortnight. The exact amounts and dates will be displayed for you to agree to before you complete your purchase.
If you would like to make additional unscheduled payments before they are due, you may log into your Clearpay account to make your payments early. Clearpay will then adjust the amount owed accordingly.
You can log in to your Clearpay account anytime to view your payment schedule or make a payment before the next due date.
6. What if I can’t pay a Clearpay instalment?
If you cannot make a payment, please contact Clearpay directly here.
As soon as you miss a payment, Clearpay will immediately stop you from making any further purchases with Clearpay.
Clearpay will give you until 11pm on the following day to make your repayment, if you are still not able to make the payment by then you will incur a late fee. This will be an initial £6 and a further fee of £6 if the missed payment is not made within 7 days. If your order is less than £24, the total late fee will be £6. If your order is £24 or over, total late fees will not exceed 25% of the total order or £36, whichever is less.
Clearpay debt may be passed to a debt collection agency and this may affect your ability to use Clearpay in future. We encourage you to use Clearpay responsibly. Please see Clearpay Terms of Service for further details.
7. When will I receive my order if I use Clearpay?
Clearpay orders are delivered within our standard delivery timeframes like any order from Cosyfeet, these delivery aims can be viewed here.
8. Is there a limit to how much I can spend with a single Clearpay transaction?
Yes, your order value including shipping must be between £0 and £1,000 to use Clearpay. Your maximum order value may be lower depending on factors such as being a new customer or your payment history.
9. Can I use another form of payment with Clearpay?
Yes, you may also use a gift card or promotional code with Clearpay to pay for your purchase.
10. How do I return an item for an exchange or refund if I purchased with Clearpay?
Items purchased with Clearpay follow our standard returns process, which can be found here.
Refunds for Clearpay purchases will be refunded from Cosyfeet to Clearpay. Please note we cannot offer exchanges on orders paid for with Clearpay.
Once your refund has been processed, any upcoming payments you have scheduled with Clearpay will be cancelled and any payments you have already made will be refunded back to the card you paid with. Please note that until the merchant has confirmed receipt of any return goods, you will be liable to continue to make your payments to Clearpay.
You can view the details by logging in to your Clearpay account.
11. Where can I find out more about Clearpay?