Terms of Service

1. What is Clearpay?
Clearpay are a ‘buy now pay later’ company that allows you to buy goods or services offered by retailers online or in stores.

Clearpay provide services to you mainly through our website and app although we do provide our services in other ways. For example, when you make purchases in retailers’ stores, you use our virtual Clearpay Card added to a digital wallet such as Apple Pay or Google Pay. You can find out more information below on how our Clearpay Card works.

By entering a Clearpay Plan, you instruct Clearpay to pay the retailer in exchange for you repaying to them the agreed amounts on the dates set out in your payment schedule in each Clearpay Plan. The amounts will include the cost of the goods or services, shipping costs and any taxes or amounts charged by a retailer. Each Clearpay Plan is a separate short-term fixed sum loan agreement where they lend you a fixed amount of credit to allow you to pay for your purchase over 4 instalments due every 2 weeks under the payment schedule for each Order.


2.    How do I open an account? 

To place Orders and enter Clearpay Plans, you must register with Clearpay for an account.

To register for an account and be eligible to use their services, you must be a UK resident, aged 18 or over, have a UK payment method (e.g., debit or credit card or any other card accepted by them), a UK billing address and a valid email address and UK mobile number. They’ll ask you for information about you to check your identity and to meet our legal and regulatory requirements. We’ll only register your account when we have approved the information.

You can create an account by visiting the Clearpay website. When your account is set up, you’ll choose a payment method for the instalment payments (e.g., credit or debit or other payment card or method accepted by us such as Apple Pay).

Clearpay services are for your personal non-business use, and you are limited to opening one account (if we’ve closed your account, you’ll be prevented from creating a new one).

3.    Keeping your account safe and secure

When your account is created, you will be asked to set up a username and secure password. You can then access your account through our website or app. You need to keep your security details, account, and our Clearpay Card safe and secure. This means you shouldn’t share your security details with anyone, and you should be careful when writing your security details down so that other people cannot see or access your security details. You should also log out of your account on your electronic device when you have finished using your account.

Clearpay are not responsible for any unauthorised use or access of your account unless we have failed to take reasonable steps to prevent such unauthorised use or access. You must contact us immediately if you notice any unauthorised access or use of your account. 

4.    How to use your account?

There are certain things you must do and not do when having an account with Clearpay. For example:

  • Act responsibly when using us to buy goods or services;
  • Pay your instalment payments on time;
  • Provide to us your identity documents when reasonably requested by us;
  • Keep your contact details accurate and up to date;
  • Help us to investigate any illegal or unapproved activity on your account;
  • Don’t provide us with any false, inaccurate or misleading information;
  • Don’t use your account for illegal purposes (such as fraud) or activities that are not approved by us;
  • Don’t allow other people to use your account, the Clearpay Card in your digital wallet or access your security details;
  • Don’t open or use more than one Clearpay account; and
  • Don’t do anything to harm our systems or prevent us from providing our services.

5.    How do I close my account?

Please contact Clearpay if you want to close your account. We’ll help you but before we close your account, you’ll need to pay Clearpay all amounts you owe us under a Clearpay Plan (including late fees) immediately. We’ll also need to make sure that all complaints or refunds owed to you have been sorted.

6. How do I pay you under a Clearpay Plan?

When your account is being set up, you can choose a payment method. You can also change your payment method or add other payment methods at any time through your account.

Each time you make an approved Order, Clearpay will issue you with a Clearpay Plan where you agree to a payment schedule which sets out the amount you have borrowed from us and your repayments to us in instalments on specific dates. You must make all payments on time under the payment schedule. The first instalment is due when your Order is approved. Clearpay may allow payment schedule dates under a Clearpay Plan to be extended subject to certain conditions as set out in your account portal or as agreed with our customer services team. Where Clearpay agree to this, we will update the relevant Clearpay Plan in your account.

By entering a Clearpay Plan, you authorise us to automatically deduct payments from your payment method for the instalments set out in a payment schedule for each Clearpay Plan on the due dates under a CPA. You can cancel a CPA at any time by contacting your bank but if you do cancel a CPA, you will still owe Clearpay the instalment payments under a Clearpay Plan and you will need to make the payments by a different method.

A CPA means a continuous payment authority. It is a one-time or regular automatic payment where you give us permission to take money from your debit or credit card account to pay the instalments owed on the scheduled dates under a Clearpay Plan.

You need to make sure that you have enough money in your bank account to make the automatic payments under the payment schedule in the Clearpay Plan. You are responsible for any fees, interest or other charges imposed by your bank in line with the terms and conditions of the agreement between you and your bank, except if they were imposed due to our error.

If an automatic payment fails, for example, because your debit or credit card has expired, Clearpay may take payment from another payment method listed on your account. We may make multiple attempts on each payment method listed on your account at any time. They may also offset any money you owe us from any money we owe you (e.g., refunds) or take any other legal action. If attempts to take payment fail, late fees may apply unless you make the payment by the instalment due dates.

7. Can I repay a Clearpay Plan early?

You have the right to repay a Clearpay Plan early in part or full at any time through your account on our website or app.

8. Do you charge interest?

Clearpay Plans are interest free. However, your bank may charge interest or other charges in accordance with the terms and conditions of the agreement between you and your bank.

9. Do you charge late fees?

Clearpay only charge late fees if you do not pay on time. The late fees charged are:

Orders less than £24. We may charge one late fee of £6 if you do not pay an instalment under a Clearpay Plan by the due date.

Orders equal to or more than £24. Clearpay charge a late fee of £6 if you do not pay an instalment under a Clearpay Plan by the due date and a second late fee of £6 if the instalment is still unpaid 7 days after the due date. The total late fees that may be applied to an Order are capped at 25% of the purchase price (before any refunds are applied) or £36, whichever is less.

All late fees are payable by you at once. Late fees will not be applied until the date after the day that payment is due. You authorise Clearpay to deduct payment from your payment method for any late fees when they are due.

Clearpay may delay or decide not to charge late fees. If they do not enforce our rights against you for late fees, this will not stop them enforcing those rights at a later date.

10. How we manage late payments

Clearpay contact you as soon as we can to let you know that you have missed a payment and propose options for how payment can be made. They will work with you to agree a repayment plan for the Orders and any late fees.

If they are unable to collect any amounts you owe us, they may use a debt collection agency to recover amounts owing under Clearpay Plans.

11. What if I cannot pay a Clearpay Plan on time or I am struggling financially?

Please call Clearpay for any help.


 12. How do I request a refund?

 If you want to return goods to a retailer and request a refund, you need to contact the retailer (Mega Appliances) and arrange the return and refund according to the retailer’s terms and conditions, policies or your consumer law rights.

You can notify Clearpay of a return to stop payments and avoid a late payment fee. You can find out more information in clause 20 below.

Unless either (i) you cancel the contract of sale with the retailer; or (ii) we are notified by a retailer that a return and refund is in progress; we’ll continue to process any automatic payments in accordance with the dates set out in your payment schedule.

Until whichever is the earlier of: (i) such time that you cancel the contract of sale with the retailer; or (ii) such time that the retailer has confirmed the return of the goods and has notified us of the amount of the refund for those goods; you will remain responsible to us for the full payment of your payment schedule. 

Once the retailer has notified us of the amount of the refund due to you for the goods returned, we will, on the same day, make the consequent adjustment to your payment schedule. If you have returned all the goods financed under the Clearpay Plan, we’ll end that payment schedule and issue a refund of any instalments you have paid to your payment method. If you have not returned all the goods financed under the Clearpay Plan, or if the retailer has notified us that a partial refund is due to you, we’ll adjust your payment schedule appropriately (including to reduce or cancel any future payments, if necessary). Please note, in the event of partial refunds, refund amounts are taken off the last payment first. If the refund is processed to your expired or cancelled card, you’ll need to obtain the returned funds by contacting your bank. 

Where an overseas retailer issues a refund for a cross border transaction, we’ll use the original retail exchange rate (used at the time the Order was placed) to calculate the refund amount to credit your payment method for the goods or services. 

If we cannot credit any amounts to your original payment method, we’ll credit it to any other valid UK card listed in your account. If a refund is processed to an expired or cancelled card, you’ll need to contact your bank to obtain the returned funds. 

Where you want to return goods 120 days or more after you bought the goods, we’ll not be involved in the refund process, and you’ll need to contact the retailer directly for a refund. However, where your account has been closed for any reason, our refund obligations to you will only continue until all amounts are paid under a Clearpay Plan or 120 days has passed since your last Order (whichever is earlier) and after that time, the retailer is responsible for processing refunds. 

13. Can I notify Clearpay of a return so I can stop payments and avoid a late payment fee?

Yes! You can let Clearpay know if you have made a full or partial return so they can pause your payments by up to 2 weeks to allow the retailer to process your returned items. This means that you will not incur late payment fees during this period.

You can notify Clearpay of a return by using our ‘Pause and Notify’ feature on the Clearpay App. That’s it! They will send you an email confirming your updated payment schedule but please note that if the return isn’t completed by your next payment date and amounts remain due (e.g., you later decide not to return the item after pausing the next payment) you may have 2 payments due on the same day. You’ll also only be able to make this request once per Order.

14. How do I cancel a Clearpay Plan?

You have a right to cancel any Clearpay Plan at any time. You can cancel it by contacting Clearpay and repaying the full amount owing at once.

For the full terms of service, please visit Clearpay with the link below:

Clearpay's Full Terms & Service