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How Clearpay Buy Now Pay Later Works

Clearpay allows you to spread payments for up to six weeks at several retailers online and offline with no hard credit check required.

Despite the widespread acceptance of buy now pay later apps in the UK, there are a few with so many offerings you can access than when using Clearpay for product financing.

Utilizing a soft credit inquiry that will have no real impact on your bureau profile, it could be a good option to use and enjoy spread payments for your purchases.



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Tip: Clearpay offers up to £1,000 in purchasing power you can use to make payments directly at its retail partners, its virtual card, or through one of its inventory of gift cards.


This platform is one of the top providers globally and not just in the United Kingdom as it trades in other countries like the United States and Australia using the name Afterpay.

It works on a pay-in-4 model enabling users to split the cost of their purchases into bi-weekly instalments not only when shopping online but at physical retail locations for a maximum of six weeks.


Read more about Clearpay

When you apply for its financing, it uses an eligibility process called a soft credit check to determine your creditworthiness. This will not appear to any lender when viewing your credit report hence, no real impact.

Depending on the result of this check, you will be offered a purchasing limit which cannot exceed its maximum of £1,000 for making payments for your orders.

This is then spread into four instalments with the first due on the same day of the purchase and the rest expected every two weeks. 

It is an interest-free payment plan option which is one of the features that makes it a popular choice for many.

However, the platform does not forgive late payments as it comes with a penalty when you miss any of the scheduled instalments.

Clearpay charges a late fee of £6 for transactions of £25 and below and if your order value is above that, you may end up paying up to £24.

The platform has several online shops that accept it as a means of payment at their checkout pages and many of them also accept it when you visit their physical outlets.

But if you want to finance purchases where it is not directly supported, you can opt for its single-use virtual card which can be generated and used for payments.

There is another variation of its card which you can get and connect to one of the popular digital wallets for payment in-store. This method extends the benefits you enjoy when using Clearpay.

It also supports in-app shopping, enabling you to browse through a directory of popular online stores and you can buy from the retailers directly on the Clearpay app.

Another interesting thing about it is its provision for gift card financing and you can purchase different denominations of gift cards for popular brands when using the platform.

Where to Use Clearpay for Buy Now Pay Later


Below are some of the top online shops that accept Clearpay for buy now pay later:




Temu is a mobile shopping app offering affordable prices on fashion, homeware, electronics, and more. With a diverse range of products akin to Shein and AliExpress, Temu provides free UK shipping and a generous 90-day return policy.



Boohoo is a popular online fashion retailer known for its trendy and affordable clothing. With a wide range of styles catering to diverse tastes, it offers fast fashion options for individuals looking to stay stylish without breaking the bank.



Wowcher is a leading online marketplace offering discounted deals on a wide range of products and services, including travel, dining, beauty, and more. With daily offers and discounts, Wowcher provides customers with savings on various lifestyle experiences.



Crocs is a renowned footwear brand known for its comfortable and versatile clog-style shoes. With a wide range of styles and colours, Crocs offers lightweight and durable footwear options suitable for various activities and occasions.



Wayfair is a popular online retailer offering a vast selection of furniture, home decor, and furnishings. With a diverse range of styles and prices, Wayfair provides customers with options to enhance their living spaces affordably and stylishly.

Features Available On Clearpay

The platform offers so many features when using it for handling your payment plan purchases.

Some of the top features you may want to know when using Clearpay include:


£1,000 in Shopping Credit

Clearpay allows customers to access up to £1,000 in shopping credit, providing flexibility and convenience in making purchases.

This credit limit enables individuals to buy products and services without having to pay the full amount upfront, making it easier to manage finances.

The maximum amount you can access is dependent on factors determined by Clearpay based on the results obtained from the soft inquiry.


Soft Credit Check

Clearpay conducts a soft credit check when assessing eligibility for shopping credit.

Unlike hard credit checks, which can impact credit scores, soft checks do not leave a mark on individuals’ credit histories.

This approach ensures that customers can explore their options without worrying about negative effects on their credit profiles.


Four Instalments in Six Weeks

With Clearpay, purchases can be split into four instalments over a six-week period.

This feature allows customers to spread out payments for their purchases, making budgeting more manageable.

By dividing the total cost into smaller instalments, individuals can enjoy greater flexibility in managing their finances.

Payments are charged every two weeks from your connected repayment method with the first due on the first day of the order.


Single-use Virtual Card

Clearpay provides a single-use virtual card for secure online purchases.

This virtual card adds an extra layer of security by generating a unique card number for each transaction.

It helps protect customers’ financial information from potential threats such as fraud or identity theft, enhancing peace of mind when shopping online.

There is no special requirement to utilize this option as it is an add-on feature to enable you to use your purchasing power at retailers that do not accept Clearpay directly.

The functionality to generate a one-time valid virtual card is available on the app. You can create one specifying the full cost of the order. It will be ready as a prepaid card within seconds with the specified amount.


Clearpay Card for Digital Wallet

There is another version of the Clearpay card which is available anytime on your account and can be used for recurring shopping visits.

It is a better version of the single-use card and you can connect it to a popular digital payment wallet like Apple Pay and Google Pay for handling your purchases when you visit eligible retail outlets.

This card is well-managed in terms of security as through the Clearpay app, you will need to go through a few steps before it can be authorised for use in-store.


Wide Merchant Network

Clearpay has a broad merchant network, including a wide range of retailers and service providers across various industries.

This extensive network offers customers diverse options for making purchases, from fashion and beauty to electronics and home goods.

These providers are not only available to use when shopping online but at their physical locations too.


In-app Shopping

The in-app functionality provided by the platform is a makeshift for those who want to be able to use their purchasing power to buy items from popular retailers that do not accept Clearpay directly.

When logged in on the Clearpay app, you simply need to visit the shopping interface and you will see a list of popular retail platforms. You can select any of your choice to buy items from and split the costs all while within the mobile app.


Inventory of Gift Cards for Popular Brands

There are a few buy now pay later service providers that provide gift cards and Clearpay is one of those where you can access different denominations of gift cards of your favourite brands.

This is one of its alternative methods to enable you to utilize your purchasing power outside the network of merchants that accept it for payment plans.

With your assigned spending limit, you can get any gift card from its collection and the payments will be spread into four instalments.


Late Payment Penalty

While there are a lot of good features with using the platform for handling your purchases, you should note that Clearpay charges a late payment fee.

This fee varies and for orders within £25, you will pay a penalty fee of £6 for any late payment and if it is more than that, you will pay 25% of the order value which cannot be more than £24.

Frequently Asked Questions on Using Clearpay


Here are some frequently asked questions regarding the use of Clearpay for buy now pay later financing:

What is Clearpay?

Clearpay is a buy now, pay later (BNPL) service that allows customers to make purchases and pay for them in instalments over time.

It enables individuals to split the cost of their purchases into four equal payments, paid fortnightly, without incurring interest fees, provided payments are made on time.

The platform conducts a soft credit check to assess eligibility for shopping credit, and users can access up to £1,000 in shopping credit.

The service is available at a wide range of retailers across various industries, offering flexibility and convenience in managing finances and making purchases.

Does Clearpay check credit?

Yes, Clearpay conducts a soft credit check when assessing eligibility for shopping credit.

This soft credit check does not impact individuals’ credit scores as it is not visible to other lenders and does not leave a footprint on credit reports.

The purpose of the credit check is to evaluate applicants’ creditworthiness and determine their eligibility for accessing shopping credit with Clearpay.

It helps the platform ensure responsible lending practices while providing customers with the flexibility to make purchases and pay for them over time.

Is Clearpay safe and legit?

Yes, Clearpay is a legitimate and safe buy now, pay later service. It is widely recognized and used by several customers, with a large network of reputable merchants across various industries.

Additionally, it employs security measures to protect users’ personal and financial information, such as encryption and secure payment processing protocols.

Does Clearpay affect your credit?

Clearpay conducts a soft credit check when assessing eligibility for shopping credit.

Soft credit checks do not impact individuals’ credit scores, as they are not visible to other lenders and do not leave a footprint on credit reports.

Therefore, using the platform responsibly, making payments on time, and managing your account effectively should not have a direct impact on your credit score.

How many payments is Clearpay?

Clearpay allows customers to split their payments into four instalments. These instalments are spread out over a six-week period, with payments made every two weeks.

This structure provides customers with flexibility in managing their finances and budgeting for their purchases.

Each payment is equal and includes a portion of the total purchase amount, making it easier for customers to budget and plan their payments.

What is the maximum credit amount offered by Clearpay?

Clearpay offers customers access to up to £1,000 in shopping credit. However, the credit limit users can access varies depending on factors such as individual eligibility and creditworthiness.

It conducts a soft credit check when assessing eligibility for shopping credit, and the maximum amount offered to each customer will be determined based on the results of this assessment and other factors considered by the platform.

Does Clearpay have a virtual card?

Yes, Clearpay offers a single-use virtual card for secure online purchases.

This virtual card functions similarly to a physical debit or credit card but exists only in digital form.

Clearpay users can generate a unique virtual card number for each online transaction, adding an extra layer of security to their purchases.

The virtual card helps protect users’ financial information from potential threats such as fraud or identity theft, enhancing peace of mind when shopping online.

Can I pay off Clearpay early?

Yes, you can pay off Clearpay instalments early if you choose to do so.

The platform allows customers to make early payments towards their outstanding balance at any time, without incurring any additional fees or penalties.

Making early payments can help you pay off your purchases faster and may also improve your overall financial management which can lead to improved purchasing power on the platform.

If you wish to pay off your Clearpay instalments early, you can do so by logging into your account and selecting the option to make a payment.

Can Clearpay be used anywhere?

Clearpay can be used at a wide range of participating retailers and merchants across various industries.

However, Clearpay’s availability may vary depending on the specific retailer and their partnership with Clearpay.

But the platform provides alternative financing methods, including generating virtual cards, shopping in-app, and purchasing gift cards from its inventory to be used for making payments where it is not directly accepted.

What is the downpayment to use Clearpay?

Your first payment when using Clearpay for handling purchases is a minimum of 25% of the order total provided the total cart value is within your assigned purchasing limit.

In cases the cart total is more than your spending power, you will pay more as the extra value that cannot be covered with your purchasing power is added to your initial payment.

The first instalment is typically due at the time of purchase, with the remaining three instalments paid over the following six weeks.

Is there a minimum spend amount to use Clearpay?

Clearpay does not have a specific minimum cart value before you can use it as this is determined by the merchant accepting it for payment.

However, you will need at least cart worth £10 at most of the retailers that accept Clearpay for payment plan purchases.

How many installments is Clearpay?

Clearpay allows customers to split their payments into four equal instalments. These instalments are spread out over six weeks, with payments made fortnightly.

Is Clearpay the same as Afterpay?

Clearpay and Afterpay are both buy now pay later services that offer similar functionalities and payment options.

While they are owned by the same parent company and share the same logo, they have independent operations. Clearpay primarily operates in the United Kingdom, while Afterpay is more prominent in Australia, Canada, New Zealand, and the United States.

However, they are integrated technology-wise allowing a user to shop with a single account on both platforms.

You can see their relationship similar to that of Facebook and Instagram which are both owned by Meta.


With arrays of retail platforms across several shopping categories accepting Clearpay, it is one of the top buy now pay later apps to use for financing and splitting the cost of purchases.

However, note that the platform does not support users who will not commit to paying on time as you could end up paying a late payment penalty fee between £6 to £24 depending on the value of your order.

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You are the first in our research hence, we rally around doing rigorous checks, testing and analysis to help you decide on products and services. However, Meedsy is not a lender, broker, bank, financial institution, or FCA-regulated hence, providers' final views are superior to ours and seek professional advice when in doubt.
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