Opal Retail is excited to announce we’re now partnered with Clearpay, bringing you another way to pay at checkout. Clearpay allows you to buy what you want now and pay in four payments made every two weeks. All payments are interest-free, and automatic, and there are no additional costs, as long as you pay on time.
FAQs
1. What is Clearpay?
Clearpay is a payment service that lends customers a fixed amount of credit to make purchases instantly and then pay for them in 4 automatic instalments, made every 2 weeks, without any interest (late fees apply).
The service is provided by Clearpay Finance Ltd.
2. How do I use Clearpay?
Just shop on Opal Retail and check out as normal. At checkout, choose the Clearpay payment method which will be direct to the Clearpay website to register and provide payment details (Visa, Mastercard or Amex). If you’ve used Clearpay before, just log in to your Clearpay account. Then complete your order!
3. Who can use Clearpay?
Clearpay is only available to permanent UK residents aged 18+ (excluding Channel Islands) with a UK billing address. Customers with international billing addresses will not be able to use Clearpay or create a Clearpay account. More eligibility criteria are listed on our Clearpay Terms of Service page.
4. How does the Clearpay payment schedule work?
Clearpay will split the total value of your order into 4 instalments payable every fortnight. You will be able to see the exact amounts and dates before you confirm your purchase.
If you would like to make any payments before they are due, simply log into your Clearpay account to make your payments early. Clearpay will then adjust the amount owed accordingly. You can log in to your Clearpay account at any time to view your payment schedule and make payments.
5. What if I can’t pay a Clearpay instalment?
If you cannot make a payment, please contact Clearpay as soon as possible by clicking here and completing the contact form. As soon as you miss a payment, Clearpay will immediately stop you from making any further purchases with Clearpay.
Clearpay will give you until 11pm on the following day to make your repayment. If you are still not able to make the payment by then, you will incur a late fee. This will be an initial £6 and a further fee of £6 if the missed payment is not made within 7 days. If your order is less than £24, the total late fee will be £6. If your order is £24 or over, total late fees will not exceed 25% of the total order, or £36, whichever is less.
Clearpay debt may be passed to a debt collection agency, and this may affect your ability to use Clearpay in future. We encourage you to use Clearpay responsibly. Please see Clearpay Terms of Service for further details.
6. When will my items be delivered if I use Clearpay?
Clearpay orders are delivered within our standard delivery timeframes like any order from Opal Retail.
7. Is there a limit to how much I can spend on a single Clearpay transaction?
Yes, your order value including shipping must be between £50 and £1,000 to use Clearpay. Your maximum order value may be lower depending on factors such as being a new customer or your payment history.
8. Can I use another form of payment with Clearpay?
Yes, you can use a gift card or promotional code with Clearpay to pay for your purchase.
9. How do I return or exchange an item purchased with Clearpay?
Items purchased with Clearpay follow our standard return process. Refunds for Clearpay purchases will be refunded from Opal Retail to Clearpay. When the refund is processed, any upcoming payments you have to Clearpay will be cancelled and any payments you have already made will be refunded back to the card you paid with. Please note, until Opal Retail has confirmed receipt of any return goods, you will be liable to continue to make your payments to Clearpay.
You can view and manage your Clearpay account by clicking here.
10. Where can I find out more about Clearpay?
Need more information about Clearpay? Visit the Clearpay website here for a comprehensive list of FAQs, Clearpay Terms of Service here, Privacy Policy here.
Opal Direct Ltd T/A Opal Retail is not a lender and acts only as an introducer. Please spend responsibly. Missed payments may affect your ability to use Clearpay in the future.