Clearpay Plan Terms & Conditions
Effective from: 15 July 2026
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1. About the Clearpay Plan
These Clearpay Plan Terms and Conditions, together with the Key Product Information, form your agreement with Clearpay Finance Limited ("Clearpay", "we", "us", "our") for your Clearpay Plan (your "Clearpay Plan Agreement"). Your Clearpay Plan Agreement is a regulated credit agreement under the Consumer Credit Act 1974.
We agree to lend you the fixed amount shown in the Key Product Information to allow you to pay for your purchase over 4 payments due every 2 weeks under the payment schedule (a total of 6 weeks). Your Clearpay Plan agreement will end when you have paid the amount owed in full. By entering into this Clearpay Plan Agreement, you instruct us to pay the retailer in exchange for you repaying us the agreed amounts in instalments, on the dates set out in the Key Product Information above.
2. What are my payment obligations?
You must make the payments shown in the Key Product Information on the dates shown using the payment method linked to your Clearpay account. You have authorised us to take payments from your nominated account using a continuous payment authority ("CPA").
The first payment is due when your Clearpay Plan is approved. We may allow payment schedule dates under your Clearpay Plan to be extended subject to certain conditions as set out in your account portal or as agreed with our customer services team on an individual basis. Where we agree to this, we will update the relevant Clearpay Plan in your account.
In addition to the above, all customers have the option to delay up to three (3) payment dates by seven (7) days per calendar year subject to the conditions as set out below. We reserve the right to update these conditions in accordance with the Terms of Service.
The conditions are that you cannot delay:
- more than one (1) payment under your Clearpay Plan
- the first or last payment of your Clearpay Plan
- an overdue payment (including any payments you have delayed that subsequently become overdue)
- a payment within 24 hours of a payment date
- a payment if your Clearpay account is less than 42 days old
- a payment if you are on a hardship programme
- a payment with restricted merchants who have disabled this benefit.
3. How does my Continuous Payment Authority work?
A CPA is your consent to allow our payment services provider to collect payments from your debit or credit card account to pay the payments as they fall due under your Clearpay Plan. All payment methods must be registered in your name.
The payments collected using the CPA can include payments due and any Late Fees falling due under the Clearpay Plan Agreement. Other than as set out below, we will not attempt to collect a payment, or part payment, unless we agree this with you at the time.
By entering into this Clearpay Plan, you authorise us to automatically deduct payments from your payment method for the payments set out in the payment schedule in the Key Product Information for your Clearpay Plan on the due dates under a CPA.
You can cancel a CPA at any time by contacting your bank or card provider or us (using the contact details set out in the Terms of Service). If you do cancel a CPA by contacting your bank or card provider, then you should tell us. If you cancel, you will still owe us the payments due under your Clearpay Plan and you will need to make the payments by a different method.
The way in which we will use the CPA is as follows:
- On the due date, we will try to collect the full payment due.
- If we are unsuccessful in collecting on the due date, we will try again to collect the full payment due every other day for up to 15 days. We will also contact you by SMS and email, to understand why the payment has been missed and when you will be able to make it.
- If we are unsuccessful in collecting your payment due using the CPA we may take payment from another payment method listed on your account. We may also offset any money you owe us from any money we owe you (e.g. refunds).
We will not charge you interest on any overdue amounts, however we will charge Late Fees (see section 6 below). Other actions may also apply - see the section 7 below for further information.
4. Can I repay my Clearpay Plan early?
You have the right to repay your Clearpay Plan early in part or full at any time through your account on our website or app, by selecting the relevant Plan and choosing the early payment option. There's no charge for doing this and no early repayment fee. Any partial early payment will reduce the amount you still owe, and the remaining payments in your Clearpay Plan schedule (if any) will be updated to reflect this.
5. 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.
6. Do you charge late fees?
We only charge late fees if you do not pay on time. The late fees charged are as follows:
- If the Total Amount of Credit is less than £24: We will not charge you a late fee.
- If the Total Amount of Credit is equal to or more than £24: We will charge a late fee of £6 if you do not make a payment under the Clearpay Plan by the due date and a second late fee of £6 if the payment is still unpaid 7 days after the due date. The total late fees that are applied to your Clearpay Plan are capped at 25% of the purchase financed (before any refunds are applied) or £24, 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 us to deduct payment from your payment method for any late fees when they are due.
We may delay or decide not to charge late fees. If we do not enforce our rights against you for late fees, this will not stop us enforcing those rights at a later date. If you think late fees have been charged in error, please let us know. If you're finding it difficult to pay your Clearpay Plan, please see section 8 on financial difficulties below.
You may have to pay other taxes or costs in relation to this Clearpay Plan Agreement that are not imposed by us or paid through us.
7. What are the consequences of missing payments?
If we are unable to collect any amounts you owe us, there are certain actions we may take including:
- Charging late fees (see section 6 above).
- Suspending your account meaning you won't be able to make any new purchases.
- Reporting late payments to the Credit Reference Agencies which will be visible to other lenders and may mean it is harder or more expensive to access credit from other lenders in the future.
- Referring your debt to a collection agency to recover amounts owing under your Clearpay plan.
- Terminating your Clearpay Plan Agreement and closing your account.
We'll 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 in order or avoid us taking any of the actions outlined above. We will work with you to agree a repayment plan. Depending on your situation, we may also need to send you certain notices under the Consumer Credit Act 1974 or our other regulatory obligations.
Where you're in arrears, we'll also let you know about free and impartial debt advice that's available to you.
8. What if I cannot pay my Clearpay Plan on time or I am struggling financially?
If you are not able to pay us on time, please contact us as soon as possible so we can help you. Please click here for more information on financial difficulties.
9. 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 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 section 10 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 payments 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 Clearpay Plan was agreed) 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.
10. Can I notify Clearpay of a return so I can stop payments and avoid a late payment fee?
Yes! You can let us know if you have made a full or partial return so we 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 us of a return by using our 'Pause and Notify' feature on the App. That's it! We'll 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 Clearpay Plan. You can find out more about our Pause and Notify feature here.
11. Can I cancel my Clearpay Plan Agreement?
You have the right to withdraw from this Clearpay Plan Agreement without giving any reason before the end of 14 days starting the day after it is made.
Should you choose to withdraw, we will treat your Clearpay Plan Agreement as ended and you must repay the full amount borrowed under this agreement less any payments already made. That means you'll need to pay us all future repayments. We will let you know how much you need to pay and how you can do this when you contact us.
You must pay this no later than 30 calendar days starting from the day after you provide notice under this section. As your Clearpay Plan is interest free, no interest will build up during this 30-day repayment period. If you fail to pay within this time we will contact you to ask for payment, and we will charge you a fee reflecting our reasonable costs of doing so of up to £24 and we will report your failure to pay to the Credit Reference Agencies which could make it harder or more expensive to borrow in the future.
Please note your agreement for the purchase of goods and services with the retailer will not be terminated where you choose to withdraw from your Clearpay Plan.
You can contact our customer service team to request a withdrawal using the contact details set out in the App and in the Terms of Service.
12. When can you end this Clearpay Plan Agreement?
We may terminate your Clearpay Plan Agreement if we have a good reason.
Good reasons include:
- to protect our systems, technology and services from harm;
- to prevent illegal activity such as fraud;
- to reduce the risk of money laundering or terrorist financing;
- to protect us from legal or regulatory risks or non-payment risk by you;
- if you give us false or inaccurate information;
- if we think any information you give us when you request the Clearpay Plan or your behaviour is suspicious;
- if you use our services for purposes or activities that are not approved by us;
- if you do not pass our identity or pre-authorisation checks;
- if data from our creditworthiness or affordability assessments indicates we should not provide further credit;
- if we have to under any law, regulation, court order or instructions from a regulatory authority;
- if you fail to make repayment on time; or
- to protect us from abusive, threatening, harassing or otherwise inappropriate behaviour as determined in our sole discretion.
We'll use our best efforts to provide written notice to you before terminating your Clearpay Plan Agreement, except where notifying you would be unlawful or reduce our security measures. Where we close your account, you'll need to pay us all amounts you owe us under this Clearpay Plan (including late fees) immediately.
We may also refuse a request for an individual Clearpay Plan before the goods or services are supplied to you for any of the reasons shown above. If we do this, we will refund you all the amounts you have paid us to your payment method in respect of that Clearpay Plan (or if that is not possible, any other UK card listed in your account) and cancel any future automatic payments related to that Clearpay Plan. If we also cancel your Clearpay Plan because a chargeback has been issued on the first payment, that payment will not be refunded to you by us. Any return of money for that first payment will be between you and your bank. In this situation, the retailer will not have to provide the goods or services unless required to by law.
A chargeback is where you challenge a transaction on your account and ask your bank to reverse the transaction charge.
13. How do I make a complaint?
If you have any questions, concerns or complaints about us or your Clearpay Plan, please contact our customer services team as soon as possible. We take all complaints seriously and we will try to put things right. We may ask you to help us sort your complaint by requesting additional information and assistance.
In the event we are unable to resolve your complaint you have the right to refer your complaint to the Financial Ombudsman Service. You can contact them in the following ways:
Telephone: 0800 023 4567
By Post: Exchange Tower, Harbour Exchange, London, E14 9SR
Online Form: https://www.financial-ombudsman.org.uk/contact-us
Please click here for more information on our complaints process.
14. What are my statutory rights?
If you have used your Clearpay Plan to finance the purchase of goods or services costing more than £100 but no more than £30,000 you may have additional protections under Section 75 of the Consumer Credit Act 1974. This means that you may have the right to claim against us or the retailer if, for example, the goods fail to arrive or are not of satisfactory quality or the retailer has made a representation which you relied on about the goods or services which was not accurate. You may be required to provide evidence supporting your claim.
If you use a Clearpay Card (for example, when shopping in-store or using a single-use virtual card), Section 75 protection doesn't apply. This is because there's an extra step between us and the retailer when you pay this way, which means the direct link that Section 75 requires isn't there. If you have a dispute with someone else over a transaction you must keep paying the payments due to us under your Clearpay Plan while you are resolving it.
15. Are there other terms which apply?
You cannot transfer any rights you have to anyone else. We can transfer our rights and obligations to our group companies and third parties. We will let you know about this unless your Clearpay Plans will not be affected. Your legal rights will not be affected by the transfer.
If you break this agreement and we do not enforce our rights against you, this will not stop us from enforcing those rights or other rights at a later date.
For the terms which apply to your Clearpay account see here. In the event of any conflict between your Clearpay Plan Agreement and the Terms of Service for your Clearpay account, or any other agreement you have with us, your Clearpay Plan Agreement shall prevail.
If your address is in England and Wales, the laws of England and Wales apply and any dispute about the terms and conditions will be dealt with by the courts of England and Wales. If your address is in Scotland, the laws of Scotland apply and any dispute about the terms and conditions will be dealt with by the courts of Scotland. If your address is in Northern Ireland, the laws of Northern Ireland apply and any dispute about the terms and conditions will be dealt with by the courts of Northern Ireland.
Clearpay Finance Limited is deemed authorised and regulated by the Financial Conduct Authority for the purposes of the Temporary Permission regime for Regulated Deferred Payment Credit. Details of the Temporary Permission regime, which allows firms to carry on deferred payment credit activities while seeking full authorisation, are available on the Financial Conduct Authority's website.
