Clearpay Merchant Site FAQs
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?
Just shop on <Merchant Site> and check out as normal. At checkout, choose 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, just log in to your Clearpay account.
Then complete your order!
3. Where can I use Clearpay?
Take a look at the Clearpay Shop Directory to check out our amazing partners where you can
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
Other eligibility criteria apply. See Clearpay Terms of Service here for further details.
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 confirm your
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 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 and then
you will incur a late fee if you are still not able to make the payment by then. 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 here for further details.
7. When will my items be delivered if I use Clearpay?
Clearpay orders are delivered within our standard delivery timeframes like any order from
Sofa World LTD.
8. Is there a limit to how much I can spend on a single Clearpay transaction?
Yes, your order value including shipping must be between £0 and £1000 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
10. How do I return or exchange an item purchased with Clearpay?
Items purchased with Clearpay follow our standard return process.
Please note, refunds for Clearpay purchases will be refunded from Sofa World to Clearpay.
We cannot provide an exchange or cash refund.
When the refund is processed, any upcoming payments you have to 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.