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Clearpay: Buy now pay later reviews

Name: Buy now pay later
Rating: 3.5 (48 reviews)

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3.18

Based on 48 reviews, last reviewed 12th Jun 2025

400% increase in 5 star reviews

in the past 90 days

100% increase in 1 star reviews

in the past 90 days

59%

2 star

35%

Latest highest rating:

5

Easy to set up and budget to spread payments, especi... Easy to set up and budget to spread payments, especially for those of us who can’t easily get credit etc Reviewed on: 12th June 2025

Latest lowest rating:

1

Fraudulent practices! It seems Clearpay manipulates reviews! Reporting them to Trading Standards and The Financial Ombudsman! Tried to open an account and was told I had an... Read more Reviewed on: 30th April 2025

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About this product

Clearpay allows you to split purchases into four equal, interest-free payments over six weeks.

Clearpay has an app where you can track your payments and reschedule payment dates. You can also set up a digital Clearpay Card to add to your Apple or Google Wallet.

Clearpay reviews help you find out what it’s really like to be a customer. If you’ve used Clearpay before, you can also leave a review and share your experience.

Review Clearpay: Buy now pay later now

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Clearpay Buy now pay later reviews (48)

Really easy to use!

I find that Clearpay is super easy to use - even easier than paying by card in most cases. Their app is great and really breaks down exactly how much you owe, and when it will be debited from your account, so you can keep on top of your spending. Reviewed on: 30th July 2023

No livechat, No customer service call number

Pray you do not encounter an issue with your purchase using clearpay. They are very difficult to reach. they would ask you to fill out a form in their contact us section. and will take days even to get an automated response. I had a very frustrating experience. It is all nice till you encounter an issue with no one to complain to. I would not recommend. Reviewed on: 22nd June 2023

Brilliant service, easy to use

Really simple app, easy application and easy to use at checkout. Reviewed on: 1st June 2023

Easy to setup and a smart choice at checkout

Split large payments over 4 equally split and spaced out payments for both online or in store (some advance set required). Am far from being tech savvy and I found the setup and online use of this line of short term interest free credit very straightforward and very useful in the present market Reviewed on: 31st May 2023

Just the job

This company has helped me immeasurably when buying items through them always had great service and being able to spread costs over 4 payments is useful as I'm a pensioner Reviewed on: 19th May 2023

Very helpful

Allows me to purchase things I need and budget my money Reviewed on: 19th May 2023

Changes in benefits for mint customer

What upsetting news. I am a clerpays Mint customer and I have some benefits from that. I can have better gift cards which I don't use or discounts in some shops which I don use because no shops on that offer what I like, or know about sales first but I don't care about sales which means I don't use that benefits but only benefits I was using is pay nothing up front but from 30 Aipril you are stoping that benefit that what point now is be mint customer? Maby I have to find a different companie Reviewed on: 31st March 2023

Partly refunded, customer care no help!

I have not received my refund in my account, only part of it. £374.99 Was never refunded. I bought a bed in January 2022 from Waifair that never arrived. I am still waiting for my refund and its 11 Feb 2023. I have contacted customer care on three occasions and they keep on emailing me, saying the full amount has been refunded. It has not reached my account, my bank has asked for the 23 digit ARN numbermber/s to track where the money has been transferred to but no help from customer care. They don't want to provide me with the ARN number, no help from anyone. I have no bed as sold my bed, the bed I purchase was never delivered. 3 Months later, I still don't have my refund to purchase another bed. Going to have to open a case at the Financial Ombudsman. Really disappointed, I will NEVER buy anything through Clearpay again! It is a nightmare to get your money back when things go wrong. Customer care is no help, can't speak to anyone an no manager to contact! Reviewed on: 11th February 2023

If you are a trader, do not use Clearpay for taking payments

Payments are supposed to be sent to you via Stripe, they don't tell you this at the beginning though and I am still awaiting all of payments to be sent to me. One is from as long as 2 months ago. Customer service is appalling as they just don't seem to know what they are doing, they take days to answer emails sometimes often with just a 'we are looking into this' response' They also have no instant messaging service which would actually help a lot. Avoid like the plague and use one of the others like Klarna, Pay4later etc. instead. Reviewed on: 7th December 2022

Open to fraud and good luck contacting them about it

BE AWARE OF ANYTHING YOU GET FROM CLEARPAY. It’s a Fraudster’s Utopia! This company is a joke, it has no security plans for protecting victims of fraud, and no way of the victim contacting them to report it. At 03:00 hours I received an email confirming that an account had been created for me on ClearPay.co.uk. In addition there was a purchase of items notified in the subsequent email that morning. Try as I might I could find no way of contacting them by phone. Later that morning I followed the link which, rightly or wrongly, was the only way I could find to actually contact this company, as their communication methods to report fraud are a shambles. You can’t phone them, you can’t email them and the only way is to download and then log onto their App on your phone. (Which makes the account ”Verified” FFS) This enabled me to change the phone number listed on the fraudulent account and hence the password on the site so as to prevent further fraud. In addition I contacted the company that was just about to send out the item to an address I have never heard of so that they could halt delivery and save them a loss/problem. As for the Mastercard account that was used, I have no idea of that. ClearPay eventually sent me an email, asking for my date of birth and the delivery address, like I’m going to divulge that when it’s potentially been used already! Trying to reply to them is IMPOSSIBLE as even replying to their email get bounced back, have you ever heard of an .eml file FFS, and you then have to log into App, using the account that has been created by the fraudster. It does beggar belief, but it's the only way I could do anything. So, two days later I am still getting replies from them asking me to reply via their App, when I just want to speak to a human being and highlight my concerns about how easily it must be to get £450.00 “credit”, without any credit checks (I’ve checked mine and there is nothing recent), and how you can purchase an item through them and get it sent to a totally different address without any checks. AVOID AVOID AVOID, and if you are a victim of fraud, good luck in getting in touch with them! Oh, and by the way… It’s happened before, per the article online by The Sun dated 29/01/21, but of course I’ll just receive their generic reply on here that they have sent to everyone else who has an issue with them. Reviewed on: 7th November 2022

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Clearpay: Buy now pay later reviews

400% increase in 5 star reviews

100% increase in 1 star reviews

Latest highest rating:

5

Latest lowest rating:

1

About this product

Review Clearpay: Buy now pay later now

Clearpay Buy now pay later reviews (48)

Really easy to use!

No livechat, No customer service call number

Brilliant service, easy to use

Easy to setup and a smart choice at checkout

Just the job

Very helpful

Changes in benefits for mint customer

Partly refunded, customer care no help!

If you are a trader, do not use Clearpay for taking payments

Open to fraud and good luck contacting them about it

Review Clearpay: Buy now pay later now

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