PAY FOR YOUR PURCHASES OVER 4 INSTALLMENTS.*
Clearpay enables you to pay for your purchases over four automatic installments, interest free!
How It Works
Select Clearpay as your payment method at checkout.
Complete your checkout in seconds with an instant approval decision.
Pay over 4 automatic installments, split out in a way that suits you best with no additional fees* *Late fees apply for missed payment
ALL YOU NEED TO APPLY IS
1. A UK credit or debit card
2. To be over 18 years of age
3. A UK resident address
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.
Where can I use Clearpay?
Clearpay can only be used on purchases made on the website. To find out more about Clearpay, click here to visit their shop directory.
How do I 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 Clearpay account.
Other eligibility criteria apply. See Clearpay Terms of Service for further details.
What happens if I can't make a payment?
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 for further details.
Can I use Clearpay if I’m an international customer?
Clearpay is only available to customers with a UK billing address.
Customers with international billing addresses will not be able to create an Clearpay account.
How does the Clearpay payment schedule work?
Clearpay customers have to make their first payment at the time of purchase.
The remaining three payments are deducted every 2 weeks in automatic installments from your selected payment method.
If you would like to make additional unscheduled payments before they are due, you may log in to Clearpay 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.
When will my items be delivered if I use Clearpay?
Clearpay orders are delivered within our standard delivery timeframes like any order from cosatto.com.
Visit our Delivery page for more information.
Is there a limit to how much I can spend on a single Clearpay transaction?
Yes, your order value including shipping must be between Merchant Minimum Order 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.
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 purchase.
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 Merchant Site 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.
Where can I find out more about Clearpay?
*Your payment schedule will be provided to you. If you fail to make a payment on time, you will be charged a late fee of £6 with an additional £6 fee added after 7 days if payment is still unpaid.
What to do if an Automatic payment fails?
We will send you an SMS and email letting you know an automatic payment has failed.
We know how busy you are, so you always have until 11pm the next day to make a missed payment before you get any late fees.
To make an overdue payment you can log in to your App or online and click PAY NOW next to your "overdue payment" in your "payment schedule" - just follow the prompts.
If you're worried you won't be able to make a payment, give us a call ASAP and we'll try and sort something out.
If you still have another question and need to get in touch, please click here.
Clearpay lends you a fixed amount of credit to allow you to pay for your purchase over 4 instalments, due every two weeks. To be eligible for credit from Clearpay, you must be a permanent UK resident (excl Channel Islands), aged 18+. Further eligibility criteria and T&Cs" apply.
Clearpay Finance Ltd. Make sure you can make your repayments on time by each due date to avoid late fees. Not paying on time will lead to a late fee of £6 and, if your order is worth more than £24, a further late fee of £6 if it is still overdue after 7 days. The total amount of late fees you may be charged will depend on your order value. If you fail to pay on time, your 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.