Clearpay UK Reviews 40,802

TrustScore 4.5 out of 5

4.4

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Consumers appreciate the flexibility of the payment options, with many highlighting the convenience of splitting payments into installments. The automatic payment reminders are also well-received, helping people manage their purchases effectively. A significant number of reviewers value Clearpay as a helpful service, especially for those managing their finances. However, some consumers have reported issues with customer service, particularly regarding disputes and refunds. Some reviewers express frustration with the lack of clear explanations and the feeling of being given generic responses. A few people have also mentioned problems with declined purchases and account freezes, which they find inconvenient.

Based on these reviews

Rated 4 out of 5 stars

I have been clearpay member since 2021. The main benefits you can place a limit on amount spent. Also, each payment is reasonable and affordable. However, it maybe something to consider in the future... See more

Company replied

Rated 4 out of 5 stars

Hello Clearpay, whats happened to the use of Amazon and Iceland home grocery shop on your ap? Ive never had any downs about Clearpay and ive bought a heap of goods using it but now my main two have g... See more

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Rated 5 out of 5 stars

What a wonderful customer service Clearpay has. Reply from Clearpay after review on here said to go to my clearpay app and straight away i got the help i needed, no AI but an actual person . Immedia... See more

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Rated 5 out of 5 stars

I've had Clear Pay for a while now and can honestly say it's a great service, I've had a few items through clear pay and never been disappointed. Easy to use and instantly accepted and also when order... See more

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Rated 3 out of 5 stars

I like Clearpay as a whole but rather disappointing that I am not trusted as have to pay off a transaction before I book another Travelodge etc. and I am nowhere near my limit. Makes me question i... See more

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Rated 5 out of 5 stars

Clearpay is amazing to use – everything runs smoothly and it’s super convenient. The payment process is straightforward, the reminders are helpful, and it takes the stress out of managing purchase... See more

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Rated 5 out of 5 stars

I have absolutely no issues whatsoever with Clearpay with payments and refunds. Really is helpful especially towards the end of the month before pay day! I cannot fault it at all and it has helped m... See more

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Rated 5 out of 5 stars

A little hard to use at first (my fault) once I was showed how to use it I've had no problems since Brilliant customer service, talked me though it. Would definitely recommend. They send you little r... See more

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Rated 3 out of 5 stars

Clearpay is ok.... they kept freezing my account all the time, so i have switched to zilch as my primary go to. If they didn't freeze it all the time...and prevented me from shopping the ratings... See more

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Rated 5 out of 5 stars

​⭐️⭐️⭐️⭐️⭐️ Flexible Payments with Excellent Reminders! ​"Clearpay is fantastic! It's incredibly easy to set up and use, allowing me to quickly checkout on sites like TikTok and Xbox. I love the flex... See more

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Rated 5 out of 5 stars

So easy to choose what gift card you want doesn't empty your pockets so handy if you are looking for food and other items there is a good variety of gift cards.Clearpay lets you know when you have a p... See more

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Rated 5 out of 5 stars

Well so far so good I've only used the service twice and so far I'm happy with it I always try and pay the payments of early if I can because not only is it good for me but there's also good for the c... See more

Company replied

Rated 5 out of 5 stars

Clearpay is an excellent buy now, pay later website. Purchases are divided into four interest free payments. You are able to see the repayments schedule before you decide whether to continue with your... See more

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Rated 5 out of 5 stars

I recently started using Clearpay and so far the experience is smooth. Payments go through easily, and the app is simple to use. However, I was hoping for a higher starting limit. Before Clearpay... See more

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Rated 5 out of 5 stars

Really really helpful, I had a DRO so my credit limit was on the floor and couldn't get credit, clearpay actually accepted me for a phone which I ended up having to return due to being faulty but my... See more

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Rated 5 out of 5 stars

Clear pay is a lifeline for people struggling in today's climate, without the extortionate fees other will add. Simply stick to your payment plan and you'll find the credit limit reflecting your abil... See more

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Rated 5 out of 5 stars

I had an issue with a coat I returned to a company who were not responding. I was helped by customer service to raise a case and it was resolved a few weeks later. I’m not sure if the company responde... See more

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Rated 5 out of 5 stars

Unfortunately fraudulent activity was taken place on my account and hundreds of pounds worth of gift cards was bought in my name. I spoke to a lady callled marina or mirina who was very attentive and... See more

Rated 1 out of 5 stars

Unimpressed. Used once for Iceland Food Warehouse (just try finding the link on their unnavigable website), used the CP app went to checkout NO option for clearpay despite the system saying click on c... See more

Company replied

Rated 1 out of 5 stars

Would give zero stars if I could, was given a balance made one purchase paid it off early. Ever since then purchases decline, and customers services haven’t got a clue, and talk absolute rubbish too y... See more

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Rated 2 out of 5 stars

Really badly managed. States that a certain limit is available yet when you try to access it you are told you are over your limit. Try to enquire why a just get a generic ‘bot’ answer. This is despi... See more

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Rated 1 out of 5 stars

Avoid Avoid Avoid. Bought from Amazon but needed to cancel item immediately due to delivery times. Deposit of about £43, only £23 returned from clearpay with no help apart from usless A.I BOT. No phon... See more

Company replied

Rated 1 out of 5 stars

if there was less than 1 star woukld be more accurate. basically had card stopped due to fraudulent activity and trying to explain to this lot was more than painful, after getting late charges waived... See more

Company replied

Rated 1 out of 5 stars

Worst customer service. Trying to help my partner signup to Clearpay, but someone has used his mobile number before he had it obviously he cannot make an account unless this is removed but Clearpay st... See more

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Rated 1 out of 5 stars

It's shocking how dreadful call centre support staff seem to be these days. No knowledge of what they're saying and clearly reading prewritten answers from a manual. I've got an ongoing disput... See more

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Rated 1 out of 5 stars

Was given a limit of £450, I haven't been able to use more than £50, every order I try to place gets rejected no matter how small and then if its too small I'm told I'm not ordering enough! Haven't mi... See more

Company replied

Rated 1 out of 5 stars

Can not get a refund with TikTop Shop after they were unable to deliver parcel and it got back to the Seller. Seller confirmed this, TikTok shop knows this but Clearpay could not agree to do a chargeb... See more

Company replied

Rated 1 out of 5 stars

Absolutely appalling. I have an outstanding balance that I received a reminder for. My automatic payment failed due to a change of bank card details following fraudulent account activity. No... See more

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Rated 1 out of 5 stars

I ordered 14 items from shein. They split the parcel in 2 separate deliveries. I only recived one parcel with 4 items. Yodel lost my parcel so after a thew weeks of disputing. Shein issued a r... See more

Company replied

Rated 1 out of 5 stars

Absolutely terrible. Do not be fooled like I was at first. I previously thought they were good but oh was I wrong. They are terrible when it comes to customer support because they have provided no as... See more

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Rated 1 out of 5 stars

I'm finding Clearpay are full of lies each time you manage to get them on the phone. They use false names and advertising saying they are based in Manchester but you are speaking to someone from eithe... See more

Rated 1 out of 5 stars

Made a purchase for £65 and phone crashed during payment process, so order didn't go through. Clearpay have still taken payments. Just keep going round in circles with customer services, telling me... See more

Rated 1 out of 5 stars

After many years being with them instead to increase your credit available to spend they are decreasing, taking in consideration that the payment is been made every single time in the date due. I will... See more

Company replied

Rated 1 out of 5 stars

Worst customer service experience of my life. I have multiple disabilities and the customer service team are taking full advantage. Im trying to get a refund from 2 orders I never recieved. I ordered... See more

Company replied

Rated 1 out of 5 stars

Terrible App!! I’ve emailed several times and seem to be going round in circles - it says I have an account set up but then doesn’t recognise password. Click on ‘don’t know password’ then enter my mob... See more

Company replied

Rated 1 out of 5 stars

A desperate company. Been trying to delete clear pay account for weeks. When you use the app and click delete account your then frozen from that page unable to make any selections except to leave the... See more

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Rated 1 out of 5 stars

Tried using Clearpay on Amazon several times and every time my orders get cancelled or my account gets closed. Amazon then asks for “proof” of the one-time card Clearpay generates — but Clearpay doe... See more

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Rated 1 out of 5 stars

Yet Another Company Hiding Behind A Help/Contact System Designed Not To Work And Avoid Answers. Followed all system details and instructions, completed all required details and ended up with... See more

Company replied

Rated 1 out of 5 stars

I have always had a great experience when using clearpay, however i have been round in circles trying to updaye card payment as lost my bank card Havd been trying for over a week to ipdate and pay... See more

Rated 1 out of 5 stars

I had a serious issue with a defective product that should’ve been covered under warranty, and after a full week of trying to get help, I was completely ignored. I sent multiple emails, explained... See more

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Rated 1 out of 5 stars

Struggle to even rate Clearpay with one star. Refunds are not timely. When a Customer Service agent finally calls you after multiple requests to speak to a human, they are still unable to confirm when... See more

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Rated 1 out of 5 stars

Probably the most disgusting credit company ever. Happened I never received the goods, the merchant accepted refund request as courier has lost, but Clearpay goes, "no" I am wrong in fact merchan... See more

Company replied

Rated 1 out of 5 stars

I’ve used Clearpay before and had absolutely no problems whatsoever. On this instance I ordered from a company who sell international foods and used Clearpay to spread the cost as it was close to Chri... See more

Company replied


Company details

  1. Payment Service
  2. e-Commerce Solution Provider
  3. Fashion Accessories Store
  4. Internet Shop
  5. Outlet Mall

Written by the company

Part of the Afterpay Touch Group - helping people to get what they want now and pay for it later, follow us on Twitter, Facebook and Instagram.


Contact info

4.4

Excellent

TrustScore 4.5 out of 5

41K reviews

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Rated 3 out of 5 stars

Have had Clearpay now for a long time…

Have had Clearpay now for a long time now. BUT. They have taken Amazon uk of. I love Clearpay I have always paid on time but now amazon is gone I’m stuck. It helps me a lot to do my budgeting if I can afford it now they help me out a lot. I will miss them.

February 13, 2026
Unprompted review
Clearpay UK logo

Reply from Clearpay UK

Hi there,

We really want to help you out with this. Can you get in touch with us directly please?

You can send us a message by using your Clearpay app.

Once you've logged in, you can tap on the 'help' icon located in the "My Clearpay" section.

Thanks.

Rated 5 out of 5 stars

Love using clearpay for all my purchases

February 4, 2026
Unprompted review
Clearpay UK logo

Reply from Clearpay UK

Hi Agrita,

Thank you for taking the time to write such an incredible review. 

We are so glad to hear that you are happy with our services! Thank you for your positive feedback and on-going support!

Happy shopping!

Rated 4 out of 5 stars

No more AMAZON !!

Used Clearpay for quite sometime now, very easy to use and hassle free, however recently Amazon has been removed from the lists, shame really as I don’t use much of the others.
Hopefully it’ll return and it’s just some blip

February 12, 2026
Unprompted review
Clearpay UK logo

Reply from Clearpay UK

Hi Daryn,

I understand that you want to make a purchase at Amazon.

We really want to help you out with this. Can you get in touch with us directly please?

You can send us a message by using your Clearpay app.

Once you've logged in, you can tap on the 'help' icon located in the "My Clearpay" section.

Thank you,

Rated 1 out of 5 stars

I’ve written in about the issues I’m…

I’ve written in about the issues I’m encountering with clearpay and have mentioned to the Bank that’s closed what’s happening. Since the Review I did here Yesterday I had a reply to contact for assistance directly and have been lied to again. It’s more patronising than anything for it to be said that there’s nothing they can do about the refund that’s supposedly gone to an expired card.
Having been given recognition Numbers I can only suggest the refund is on its way back from bouncing at the Bank or Clearpay have run off with it since it bounced.
The payment of £169.99 isn’t with me and they have seemed as though they’re willing to assist to the Public and saying a similar thing in the reply to me.

February 11, 2026
Unprompted review
Clearpay UK logo

Reply from Clearpay UK

Hi Helen,

We really want to help you out with this. Can you get in touch with us directly please?

You can send us a message by using your Clearpay app.

Once you've logged in, you can tap on the 'help' icon located in the "My Clearpay" section.

Thank you,

Rated 1 out of 5 stars

Again a failure by clear pay to uphold…

Again a failure by clear pay to uphold responsibility for it's customers. Happy to charge for goods, yet once a problem arises like a return that shows item wasn't acceptable they turn on you and absolve themselves of responsibility.
However still want a payment for an item that has been returned well over a month ago. What a joke of a company.
No doubt again they will ask for me to contact them to show customers that they are helpful but it's all a fake act. Don't help just deflect and fob you off with putting the blame onto yourself rather than there retailers.

February 11, 2026
Unprompted review
Clearpay UK logo

Reply from Clearpay UK

Hi Robert,

We need a bit more information to be able to help you work through this situation so I have written to you directly.

Please check your inbox and get back to us directly.

Thanks again for your feedback it really does help us to continually improve!

Rated 5 out of 5 stars

Wonderful to see Clearpay back on…

Wonderful to see Clearpay back on payment options at Iceland and i dont have to use the app on my phone everytime , i can now do it on my laptop Iceland account something i couldnt do before ., Thankyou Clearpay and Iceland.

February 11, 2026
Unprompted review
Clearpay UK logo

Reply from Clearpay UK

Hi Annie,

So great to hear, thank you! 

We’re super happy you are loving our services!

Happy shopping! 💕️

Rated 1 out of 5 stars

I had a financial difficulties in this…

I had a financial difficulties in this month. Also I had my last payment £50 but I cant pay that on time and im sent a message to the customer service through the application like Clearpay advised. The customer service gave me a payment arrangement option and they said I have to choose how I want to pay 7days 14 days or monthly amd which day I would like to start the payment. Im already confirmed everything by the chat in the application without any reply. Next day Clearpay debited my card with a full last payment plus £6 late payment fee after they offered me for the payment arrangement...I sent my seconde message 6 hours later about why the full payment was deducted if the customer service gave me a payment arrangement option, She said no worries they will reverse the payment with a refund. I said thank you and confirmed what they sent to me about where I have to pay . After my confirmation even no any word come back to me I sent lot of messages without ANY reply. So they offered me payment arrangement after they deducted the full pay which caused financial hardship when I made a complaint they offered me the payment reversing with refund option which is never happened and they avoided my all messages and left me stressed with financial difficulties. 20hours ago im still waiting without reply. This is the worst customer service ever in my life. I have the all conversation because I made a screenshots (for proof)clearly show what they offered me , how many times and when I sent my messages with out any reply or resolution. I will raise my complaint with the FCA or The Ombudsam Services because that is wired just avoid the customers and leave stressing and make a financial hardship with resolution offer but nothing happened.

February 9, 2026
Unprompted review
Clearpay UK logo

Reply from Clearpay UK

Hi Mariann,

Thanks for reaching out, given this situation is serious.

I have escalated this matter to our specialist team, they will be in touch with you shortly either.

Thank you,

Rated 5 out of 5 stars

Easy to use

Easy to use. Great options for payments.

February 9, 2026
Unprompted review
Clearpay UK logo

Reply from Clearpay UK

Hi Mitch,

Thank you for taking the time to provide us with your feedback!

Have a great day,

Rated 5 out of 5 stars

Very convenient

I love it so much!!

February 9, 2026
Unprompted review
Clearpay UK logo

Reply from Clearpay UK

Hi Romeo,

Glad to hear you are loving the new way to pay! Amazing to hear how much you’re enjoying our Buy Now, Pay Later service!

Happy shopping!

Rated 5 out of 5 stars

Very very good

Very very good

February 9, 2026
Unprompted review
Clearpay UK logo

Reply from Clearpay UK

Hi customer,

So great to hear, thank you! 

We’re super happy you are loving our services!

Happy shopping!

Rated 5 out of 5 stars

So far so good

So far so good, got, &£400 limit been paying and have paid, hope stays same. For now great

February 9, 2026
Unprompted review
Clearpay UK logo

Reply from Clearpay UK

Hi Samuel, 

We love this, thank you for the positive feedback! 

Enjoy our services, and happy shopping!

Rated 1 out of 5 stars

Worst Company

This is the worst company I have ever seen, as it is not on the side of its customers. I bought an item and the seller didn't send me the item. I sent loads of emails to the seller but no reply from them. I informed Clearpay to reverse the payment but they are telling me nonsense. My bank account can never do that. The money is just £35 plus. If it's more than that, that means that I am on my own. My advice to all Clearpay customers is to be very careful when using it to make any payment. Thanks

December 12, 2025
Unprompted review
Clearpay UK logo

Reply from Clearpay UK

Hi Oleyemi,

I'm sorry about the experience. 

We really want to help you out with this. Can you get in touch with us directly please?

You can send us a message by using your Clearpay app.

Once you've logged in, you can tap on the 'help' icon located in the  "My Clearpay" section.

Thank you,

Rated 2 out of 5 stars

Right bought couple lights on temu then…

Right bought couple lights on temu then decided wasn't right ones done through clearpay so temu refunded straight away brilliant I've only seen on amount on clearpay for 4.25 which is back in account all other been cancelled to bring it to refund total why temu refunded 16.99 u have put in 4.25 where's the rest of the refund that's fraud put it this way I'm not paying any more till that refund amount is put back in the account simple as oh as of your reply u have replied to me on the app and sorted f___ a___ so no it's not sorted

February 4, 2026
Unprompted review
Clearpay UK logo

Reply from Clearpay UK

Hi Owen,

Thanks for reaching out about your refund.

We really want to help you out with this. Can you get in touch with us directly please?

You can send us a message by using your Clearpay app.

Once you've logged in, you can tap on the 'help' icon located in the "My Clearpay" section.

Thank you,

Rated 1 out of 5 stars

Absolutely appalling

Absolutely appalling.
I have an outstanding balance that I received a reminder for. My automatic payment failed due to a change of bank card details following fraudulent account activity.
Now I have to pay manually, fine.
To log into Clearpay I need to reset password, ok no problem, 6 digit code, ok, now enter some digits from long card number. Card has been destroyed.
Contacted Clearpay by email and text.
Sorry your details are not on our database, WHAT ! Then why are you contacting me with a missed payment notification !
Called Clearpay, sorry can't help you.
So am I now going to have a missed payment black flag on my credit report !
AVOID THIS COMPANY!!!
Oh I do not believe it ! Clearpay response - "please log into your Clearpay count to contact us further " ! Did they not read my negative review, I cannot log into my Clearpay account without updating my password which I cannot do due to no longer having access to the information required ! Unbelievable!

February 8, 2026
Unprompted review
Clearpay UK logo

Reply from Clearpay UK

Hi Bev,

Thanks for reaching out about your account and payment.

We really want to help you out with this. Can you get in touch with us directly please?

You can send us a message by using your Clearpay app.

Once you've logged in, you can tap on the 'help' icon located in the "My Clearpay" section.

Thank you,

Rated 5 out of 5 stars

Fantastic service

I've had Clear Pay for a while now and can honestly say it's a great service, I've had a few items through clear pay and never been disappointed. Easy to use and instantly accepted and also when ordering within seconds it's done. I always pay up accounts well before there due. Much prefer clear pay it's my go to app and far more better than Klarna.

February 8, 2026
Unprompted review
Clearpay UK logo

Reply from Clearpay UK

Hi Jason,

Thank you for taking the time to write such an incredible review. 

We are so glad to hear that you are happy with our services! Thank you for your positive feedback and on-going support!

Happy shopping!

Rated 3 out of 5 stars

I like Clearpay as a whole but rather…

I like Clearpay as a whole but rather disappointing that I am not trusted as have to pay off a transaction before I book another Travelodge etc. and I am nowhere near my limit.
Makes me question in future if I am not paying what I bought in 2 week payments I may as well pay in full with the merchant.
All my payments so far I have made even paid a day early but not been late or had any missed payments.
The system does not function if you can’t spend up to your limit.
So Clearpay is good in theory but in practice not so much.

February 5, 2026
Unprompted review
Clearpay UK logo

Reply from Clearpay UK

Hi Tipper,

Thanks for reaching out about your order and spending limit.

We really want to help you out with this. Can you get in touch with us directly please?

You can send us a message by using your Clearpay app.

Once you've logged in, you can tap on the 'help' icon located in the "My Clearpay" section.

Thank you,

Rated 3 out of 5 stars

Cant use it everywhere only selected retailers

Clearpay is ok.... they kept freezing my account all the time, so i have switched to zilch as my primary go to.

If they didn't freeze it all the time...and prevented me from shopping the ratings and review would be higher and better.

The freeze has been lifted and i can resume as normal but my personal star rating if 3/5 will remain the same.

January 5, 2026
Unprompted review
Clearpay UK logo

Reply from Clearpay UK

Hi there,

We really want to help you out with this. Can you get in touch with us directly please?

You can send us a message by using your Clearpay app.

Once you've logged in, you can tap on the 'help' icon located in the "My Clearpay" section.

Thank you

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