Clearpay T's & C's
What is Clearpay and how do I use it?
What is Clearpay?
Clearpay is a payment service that lends customers a fixed amount of credit to make purchases instantly and then you, the customer, pays for the purchase in four automatic instalments, made every two weeks, without any interest (late fees apply). Please use Clearpay responsibly.
The service is provided by Clearpay Finance Ltd.
Clearpay Plans are not regulated by the Financial Conduct Authority.
Can I use Clearpay?
You can apply to use Clearpay to pay for your online order as long as you’re over 18, a permanent UK resident and have a UK billing address, UK mobile number and debit or credit card.
If your basket amount is between £1 and £1200, after any deductions, you could qualify to use Clearpay’s payment service. However, Clearpay will decide if you are eligible to pay by Clearpay.
Clearpay is available for online purchases, though it can’t be used for baskets containing e-gift cards
Clearpay can be used in conjunction with a payment using e-gift cards, and valid promotion codes but not debit or credit cards.
You can place more than one order using Clearpay as long as your payment history is approved.
Where you use Clearpay, you will enter into two contracts, one with One Hundred Stars for the supply of goods and/or services and one with Clearpay so that you can pay in instalments. The contract with Clearpay will be governed by their terms and conditions.
How do I pay with Clearpay?
Select Clearpay as your payment method at checkout and we’ll redirect you to Clearpay’s website. You’ll need to complete a short registration form if you are a new Clearpay customer. This will include providing Clearpay with some details including your name, date of birth, address and your debit or credit card details. You will also need to read and accept Clearpay’s terms and conditions to enable your order to be completed.
For returning customers, you will just need to select Clearpay and log in to your Clearpay account on the One Hundred Stars checkout page and accept Clearpay’s terms and conditions to complete your order.
You will receive an instant decision after some initial checks by Clearpay confirming if you are eligible to use this service as a payment method.
Please note that the log-in details for Clearpay will be different from the log-in details you use for your One Hundred Stars online account.
If approved, payment for your item(s) will be taken in four interest-free* instalments. You’ll be required to make the first instalment (25% of the total amount) when placing your order. The remaining balance is split into three equal payments that are automatically deducted from your Clearpay account every two weeks.
The amount owed will be adjusted for any returns. You can log in to your Clearpay account, click here, at any time to see the status of your payments.
Late payments
If you cannot make a payment, please contact Clearpay here.
As soon as you miss a payment, Clearpay will immediately stop you making any further purchases with Clearpay.
Clearpay will give you until 11pm on the following day to make your repayment, at which time you will incur a late fee if you have not been able to make the payment. This will be an initial £6, then a further fee of £6 if the missed payment is not made within seven days. If your order is less than £24, the total late fee will be £6. If your order is £24 or more, total late fees will not exceed 25% of your total order or £24, whichever is less.
The same default may be passed to a debt-collection agency and this may affect your ability to use Clearpay in the future. We encourage you to use Clearpay responsibly. Please see Clearpay Terms of Service for further details.
When will my order be delivered if I use Clearpay?
The same delivery terms apply regardless of how you pay. Visit our delivery page.
How can I return an item paid for by Clearpay?
Click here for full details of our return instructions.
You can return any unwanted items paid for by Clearpay in line with One Hundred Stars returns policy. Clearpay will be in touch and any outstanding payments in relation to the returned item(s) will be stopped. Clearpay will refund the card linked to your Clearpay account the amount of any payments received in relation to the returned item(s) within 3–5 working days.
When will I get my refund?
Refunds will be processed by Clearpay 3–5 working days after the item has been received by One Hundred Stars. Full details can be found online in your Clearpay account.
Can I exchange my item(s) with Clearpay?
While we are unable to directly offer an exchange on orders purchased using Clearpay, you are able to return the item(s) for a refund and place a new order online.
Where can I find out more about Clearpay?
Visit the Clearpay website here for a comprehensive list of FAQs, Clearpay Terms of Service and Privacy Policy here.