Clearpay is a buy-now, pay-later service that lets you shop for eligible purchases and spread the cost into four equal installments over a short period, typically about six weeks, with payments due every two weeks. The service is generally interest-free if all payments are made on time, but late payments can incur fees and may affect future access to Clearpay. How it works in practice

• At checkout, choose Clearpay as your payment method. For first-time users, you’ll create a Clearpay account; returning users simply log in to complete the purchase.

• Your purchase total is split into four installments. You usually pay 25% of the total upfront, with the remaining three installments automatically charged every two weeks.

• After the first installment is paid, the retailer receives the full amount and ships the order. Clearpay then collects the next payments on their scheduled dates.

• You can view and manage your payment schedule in your Clearpay account, and you can also pay early any time before a due date. If a payment is missed, late fees may apply, and excessive delays can restrict future use.

Important considerations

• Fees: Clearpay is advertised as interest-free when you stay current, but late payments incur fees (the exact fee structure varies by region).

• Approval: Clearpay assesses eligibility at the time of purchase; ongoing use can depend on your past repayment history and current Open orders.

• In-store usage: Some regions support in-store payments via a Clearpay Card or linked digital wallet methods. Check your local availability in the Clearpay app or help center.

Common questions

• How many orders can you have open at once? The policy can vary by region and your history; longer use and a history of on-time payments can improve your ability to spend more, while new users may have more restrictions initially.

• What happens if you miss a payment? Late fees may apply, and there can be a temporary restriction on using Clearpay until balances are settled.

• Is there interest? Clearpay markets itself as interest-free when payments are made on time. Some regions may charge late fees or other charges for missed payments.

If you’d like, I can tailor this to your country or a specific retailer and explain the exact terms (fees, due dates, and any regional nuances) for your situation.