Clearpay | Buy Now, Pay Later

Shop today,

enjoy tonight.

From new power tools to a fresh wardrobe, Clearpay lets you shop in-person and split the payments. Just set up the digital Clearpay Card and start tackling your list.

Get the app

Set up Clearpay Card

Clearpay credit subject to status. Use responsibly as late fees up to £24 per order apply, which may impact your future access to credit. T&Cs apply.

How it works

Download Clearpay Card.

Get the Clearpay app. Go to the In-Store tab to set up the digital Clearpay Card, and follow the prompts to add it to your phone’s wallet.

Find nearby stores.

Browse the In-Store tab to find shops near you that accept Clearpay in-person.

Pre-authorise the payment.

Before you pay, enter your purchase amount in the app. We'll run a quick check to make sure it's right for you, then you're good to go.

Tap to pay & get it today.

You can Clearpay with Apple Pay, Google Pay or Samsung Pay.

Where it works

From electronics to essentials, duvets to designer shoes, Clearpay Card is your key to getting what you need in-store.

Beauty

Mechanics

Fashion

Pets

Homewares

Home & Garden

The same Clearpay perks you love, but in-store.

Get the app to sign up.

Provide some personal info, go through a quick eligibility assessment, and once approved, link a debit/credit card.

Own it today.

See the good stuff in person and enjoy it right away.

Pay in 4,

interest-free.

Make your first of 4 payments today and the rest over 6 weeks.

Safe, contactless payments.

Tap to pay like any other card in your digital wallet, but with no card fees.

Merchants

Learn how to offer Clearpay in your stores.

Get started

Frequently Asked Questions

How do in-store purchases work with Clearpay?

Clearpay is available in-store at participating merchants, giving you the ability to split eligible purchases into 4 instalments, over 6 weeks—just like online.

It’s easy to use. Simply download the Clearpay app, set up the digital Clearpay Card and add it to your phone’s wallet.

Then when you’re ready to pay in-person, head to the In-store tab to enter your purchase amount. We'll run a quick check to make sure it's right for you, then tap and go with Apple Pay, Google Pay or Samsung Pay!

How do I know where I can shop?

You can see where you can shop in the Clearpay app. Browse the In-Store tab to find shops near you that accept Clearpay.

Is there a minimum spend for in-store Clearpay purchases? Is there a maximum spend?

While Clearpay doesn’t specify a minimum purchase amount, stores may. Please ask a store associate if you are unsure.

You’ll see ‘available to spend’ displayed clearly in the Clearpay app. This amount is an estimate based on your creditworthiness assessment and is not guaranteed.

Can I use the Clearpay Card with Apple Pay for online purchases?

Yes, provided the merchant accepts both Clearpay and Apple Pay! When you are ready to make your purchase:

Launch the Clearpay app and tap the ‘Card’ tab to see the estimated amount you have available to spend
Tap the ‘Authorise and pay in-store’ button to initiate the payment process and then tap ‘Pay in-store with Apple Pay’’ to authorise and launch the Clearpay Card in your digital wallet.
In the merchant's app or website, select Apple Pay at checkout.
Select the Clearpay Card, review your purchase details, and then confirm with Face ID, Touch ID or your device passcode.

Do I have to download the Clearpay app to use Clearpay in-store?

Yes, make sure you have the latest version of the Clearpay app. You can download it here.

How do I return something I purchased in-store using Clearpay?

Clearpay purchases follow the retailer's standard return policy. Check with the retailer to make sure your purchase is eligible for return.

If your item is eligible for a refund follow these steps:

Launch the Clearpay app and tap the In-Store tab.
Select “How it Works” in the top right-hand corner, followed by “How do I return an order?”.
Tap the “Make a Clearpay Card return” button, followed by “Refund to Clearpay Card”.
The Clearpay Card will open in your digital wallet.
Tap the phone near the card reader to initiate the return.
The refund will go back to the Clearpay Card.

Clearpay will then refund you and it could take up to 10 days for the refund to be reflected in your Clearpay account. Please be sure to keep your receipt as confirmation of your return.

Where can I see my past in-store Clearpay purchases?

Your purchase history, both in-store and online, is available in your Orders tab in the Clearpay app and in your account online. Tap an order to see all details regarding payment dates, repayments made, and more.

I’m a retailer. How do I offer Clearpay in my stores?

Want to learn more about offering Clearpay in your store? Get in touch here.

Shop in-person at your favourite stores.