T&C for Clearpay & Klarna

Terms & Conditions regarding Clearpay


Clearpay allows you to pay for your purchase over 4 instalments due every 2 weeks, in accordance with the relevant Payment Schedule.

All orders are subject to Clearpay’s approval – for example, if you have any overdue payments, Clearpay will not be available to you. For more information on assessment and checks, see clause 7.2.

As part of our approval process, we may conduct a pre-authorisation on your nominated card, up to an amount of your first instalment - see clause 7.2(c).

You can make repayments to Clearpay any time BEFORE the due date. Otherwise, Clearpay will automatically process payments on the scheduled dates from your card. If a payment is not processed on or before the due date, late fees will apply (“Late Fees”) an initial £6 late fee will be payable for the costs we incur as a result of your late payment, and a further £6 if a payment remains unpaid 7 days after the due date. 

For each order below £24, a maximum of one £6 late fee may be applied per order. For each order of £24 or above, the total of the late fees that may be applied are capped at 25% of the Original Order Value or £36, whichever is less. Our Late Fees represent the costs we will incur as a result of your failure to make payment when due, but we limit these fees as a concession to you.

If you won’t be able to pay us on time, please contact us as soon as possible. Please click here for more information regarding customers in financial difficulties.

The delivery/quality of goods and all refunds is the responsibility of the Retailer where you make the purchase. 

If you purchase goods from an authorised Retailer outside the UK we draw your attention to clause 4.4 of these terms.


 As part of our approval process and our assessment as to whether or not you can fulfil your obligation to make future payments to Clearpay according to the relevant Payment Schedule, we may conduct a pre-authorisation of your Nominated Payment Source. This may involve placing funds in the account linked to your Nominated Payment Source on hold each time you make an online purchase or add a new Card to your Clearpay Account. For online purchases, we immediately instruct your bank to void this pre-authorisation transaction. No funds are received by Clearpay during this process. We cannot guarantee the time it takes for your bank to process this action by us and make your funds available. 

PLEASE NOTE: In most circumstances, relevant banks will void a pre-authorisation transaction within a few hours of the pre-authorisation transaction being conducted by Clearpay. However, in some instances, banks have taken up to fourteen (14) days to finalise this process. Unfortunately, we do not have any control or influence over the timing of your bank’s ability to finalise this process.

Please read this Agreement carefully. By clicking to accept these terms and using Clearpay’s Products, you agree to be bound by (i) this Agreement; and (ii) Clearpay’s Privacy Policy which can be found at Clearpay.co.uk/privacy-policy. The headings contained in this document are for reference purposes only. You should print a copy of this Agreement and Clearpay’s Privacy Policy for your records.

1. Welcome to our Website.

 We set out below the terms and conditions of your use of, and access to, our Products. Please read these terms and conditions carefully, as they impose rules, obligations and other responsibilities on you in respect of your use of the Products.

1.1 Parties to this Agreement

This Agreement is a contract between you (‘you’ or ‘your’) and Clearpay Finance Limited (company number: 05198026) ('Clearpay', 'we', 'us', 'our'), or, where you purchase goods overseas, a Clearpay Affiliate. It sets out the terms and conditions that apply to your use of our Products. You agree that your acceptance of these terms and conditions, and ongoing use of our Products, shall constitute your acceptance of this Agreement.

If you do not want to be bound by this Agreement, you must not make a purchase using Clearpay Products. 

1.2 Policies incorporated into this Agreement

Before you create a Clearpay Account with us or use any of our Products, you should read this Agreement, as well as Clearpay’s Privacy Policy,  which is incorporated into this Agreement by reference.

We recommend that you store or print a copy of this Agreement (including all policies) for your records.

To the extent of any inconsistency between this Agreement and any incorporated policy, the incorporated policy will prevail.

1.3 Changes to this Agreement 

(a) Clearpay may amend this Agreement at any time for any reason including, for example, if we change the functionality of our Products, introduce new products, or as required by law.  We will post the amended Agreement on our Website.  Each time you place an Order you will be asked to agree to the then current terms of this Agreement.  Please read this Agreement carefully each time you agree to its terms when placing an Order.  If you do not agree with the changes, you may close your Clearpay Account in accordance with clause 3.4.  (b) We will not change any terms and conditions for an existing Order that has been accepted by us; the terms and conditions that will apply to an accepted Order (and any steps taken in relation to such Order, e.g., cancellation, refunds, etc.) are the terms and conditions that applied at the time you made the Order.

Please find all information at https://www.clearpay.co.uk/en-GB/terms-of-service

Terms & Conditions regarding Klarna

In cooperation with Klarna Bank AB (publ), Sveavägen 46, 111 34 Stockholm, Sweden, we offer you the following payment methods. Payment is to be made to Klarna.

  • Pay in [14] days: The payment period is 14 days from shipment of the goods or tickets/ availability date of the service. 
  • Financing: With the financing service from Klarna you can pay your purchase in flexible or fixed monthly instalments according to the conditions stated in the checkout. The instalment payment is due at the end of each month after submission of a separate monthly invoice by Klarna.
  • Direct Debit: Your account will be debited after shipment of the goods or tickets/ availability date of the service ​or in case of a subscription in accordance with the timelines communicate​d. You will be notified about the date(s) by email.

The payment methods Pay in [14] days, Slice It and direct debit are only available in case of a positive credit assessment. For this purpose, during the order process and handling of your purchase, we forward your data for an address and credit check to Klarna. We can only offer you the payment methods available based on the result of the credit check. General information about Klarna and the user terms per country can be found on klarna.com. Your personal data is handled in accordance with applicable data protection law and in accordance with the information in Klarnas privacy statement.