Clearpay FAQ

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).

Who can use Clearpay? 

Customers over the age of 18.

Customers with a billing and delivery address registered in the UK

Customers who have a valid and verifiable email address and phone number

Customers who have a UK bank payment card - Visa or Mastercard Debit or Credit Card

Customers who are capable of entering into a legally binding contract

Customers who have a verifiable and valid ID

See Clearpay's terms of service here.

How do you pay with Clearpay?

Step 1 - Add products to your cart and select “Clearpay” at the checkout

First-time customers will need to create a Clearpay account (with instant approval decision) and returning customers will simply log in to make their purchase.

Step 2 - Enter a few personal details and you’ll know instantly if you’re approved

Step 3 - The payment of your new goods will be split into 4 equal amounts. You will pay the first payment immediately at the time of purchase and the other 3 will be automatically taken from your account at 2-week intervals.

Step 4 - You can complete your future Clearpay purchases with just one click

Is there a limit to how much I can spend on a single Clearpay transaction?

Yes, your order value including shipping must be up to £1000 to use Clearpay. Your maximum order value may be lower depending on factors such as being a new customer or your payment history.

How does paying off instalments work? 

Clearpay will split the cost of your order into 4 instalments, due every two weeks.

The exact date and amounts due will be displayed for you to agree before you place your order.

If you choose to pay using Clearpay, please remember to spend responsibly – sometimes, delaying or splitting up payments might not always be the best option.

We want you to shop with confidence, so we’ve provided all the info you need below.

 You’ll be asked to pay the first of 4 instalments once you’re logged into the Clearpay Portal at checkout.

Instalments 2, 3 and 4 will automatically be collected from the debit or credit card you selected at checkout every 2 weeks.

You'll receive a reminder from Clearpay 2 days before each instalment is collected.

If you’d like to make payments before they are due, you can log into your Clearpay account to make your payments early. Clearpay will then adjust the amount owed. 

What happens if a payment is missed or late? 

If you miss a payment, Clearypay will send you a text message and email letting you know the automatic payment has failed. If the automatic payment fails, Clearpay will try and collect payment from any other cards you have in your Clearpay account. You'll have until 11pm the next day to make a missed payment before being charged any late fees. 

To pay a missed payment, simply log in to your App or online and click PAY NOW next to your "overdue payment". If you’re worried about making payment, contact Clearpay as soon as possible.

If your payment is still outstanding, you’ll be charged £6.00 late fee per late payment. Click here to find out more about late fees with Clearpay. 

Clearpay won’t approve any further  orders until your account is up to date to help you get back on track.If you cannot make a payment, please contact Clearpay here.

Clearpay debt may be passed to a debt collection agency and this may affect your ability to use Clearpay in future. Please use Clearpay responsibly.  You can check out the Clearpay Terms of Service here.

Click here for more information on how to pay with Clearpay. 

Having trouble paying with Clearpay? 

If you have any trouble placing an order with Clearpay, it could be due to one of the following reasons:

Clearpay may have rejected your application to pay on account. We'd recommend choosing another type of payment or placing an order for a smaller amount.

Clearpay may not have been able to check your details using the billing address that you've provided. You'll need to make sure that your billing address is the same address that your bank/credit cards are registered to.

You may have outstanding payments on previous Clearpay statements. Once these are paid off, try Clearpay again.

If you've recently paid off outstanding statements, please allow 24 hours before trying to pay through Clearpay again.

You may have missed a required field at the checkout, such as filling in your Date of Birth. If you haven't used Clearpay before and you're shipping to a different address to your billing address, the payment may be declined.

One more thing...

Clearpay are an independent payment provider and Tools 2U Direct SW LTD have no influence over whether your payment will be accepted or not. If you have any trouble placing an order with Clearpay, please contact Clearpay Customer Service.