clearpay.com Reviews 2,599

Clearpay has NO BUYER PROTECTION as they keep sending copy-paste replies that completely ignore the an issue I had with TEMU. There’s no real help, no escalation, and no solution.

If Clearpay offers no protection when a merchant withholds refunds, then it’s not a safe service to use. Customers are left with zero recourse.

Clearpay does not support customers when a merchant keeps their money. The responses feel scripted and dismissive, and the dispute process goes nowhere. Avoid using them as only your bank can protect you in these cases.

I never ever ever get my refunds back they always on customer service say the same thing and give you a link that doesn't exist. I am owed a good bit of money from them. I always pay them on time. But when I've been refunded by the seller clearpay email me to day it goes in my bank in ten days and about 7 times now over the past couple years this as happened and I have never ever received a refund

Like others who reported awaiting a refund from Debenhams I too have returned an item to Debenhams and await a refund from an order placed 26/11/2026.
I placed payments on hold with Clearpay (which is only for 14 days for refund to be actioned!!!!). Because this time frame has elapsed I have now had TWO PAYMENTS DEDUCTED TODAY from my bank account. I have transcripts to Debenhams/Boohoo as evidence of my communication but have the stock answer that refund is being processed.
I have similar transcript to Clearpay who requested order information etc which I have provided. I have evidence from Royal Mail tracking to say my parcel has reached its destination posted 1st class tracking 4/11/2025.
This is an absolute s**t show!
I am currently out of pocket by £45.86 with two further payment to go. I know this isn’t a fortune but with Christmas coming up it an amount I can’t afford.
I don’t seem to get support from Clearpay and I get AI responses from Debenhams/Boohoo. Are there no human customer advisers anymore?
What is my next course of action?

I am extremely disappointed with my experience using Clearpay. I booked a hotel and selected Clearpay for the payment plan, which was confirmed. Two days before the first scheduled payment, I received a reminder notification. When I tried to log into my Clearpay account to make sure everything was set, it told me there was no account associated with my email.

I tried resetting my password—again, no account found. I then tried logging in using my mobile number, and while the system recognised my number, it still wouldn’t let me sign in.

I contacted Clearpay through live chat—completely unhelpful. I emailed them and only received a generic, unhelpful response. I escalated it to a formal complaint. When I called the number provided, I reached an American call centre where the agent told me he couldn’t take a payment over the phone, couldn’t help with the login issue, and had to “escalate it to the relevant team.” No solution, no accountability.

I explained that I needed to make the payment immediately because the next day it would be marked late. He reassured me not to worry and said the call was recorded.

And yet today, I received an email saying I have a late payment and that this will impact my credit file—all because their system wouldn’t allow me to access my own account.

This is completely unacceptable. A company offering financial services should not have systems this unreliable or customer service this unhelpful. Would not recommend.

Terrible from day 1.

From applying the problems started.

First was the ID verification. I had to submit additional ID, including my Birth certificate, bank statement and a council tax bill. Not a problem I thought, until 8 customer service advisors ignored it, and kept telling me to submit my passport/driving licence, which has already been done.

Day 2. My account was fully activated and verified. Let's try a purchase. Nope, nothing worked. No amounts from small to large. Everything declined. Account frozen.

Day 3. Asked to submit ID again (it's still uploaded in the exact same chat I'm now talking to another advisor in.)

Day 6. Fully verified again, told I can use my account with no issues. Try a purchase. Account frozen again.

Day 7. Asked to delete my account and remove my personal details. Told I can limit my spending? Don't want that, as I can't spend anything anyway!

Day 9. Told I can pause my account. Again, don't want to do this. I just want my account closed, and my details deleted from their systems.

Day 10. Told to resubmit ID. This is now going in circles.

Won't take a complaint. Won't delete my account or details. Repeating the same things over and over again. It's just a nightmare.

Clearpay is unfair. They kept charging late fees even after my item was returned, and they never replied to my complaint. Deleted the app — avoid!

Clearpay is a brilliant way to pay for stuff especially if it’s quite expensive..I’ve never had any issues in the 5+ years I’ve used them. It’s really handy. My refunds go back quickly. No problems whatsoever.

From my experience dealing with these people, I felt like they were scammers.
When I had a dispute where the supplier on their books sent me “premium” glasses which turns out to be nothing more than something you can pick out at the child section at Poundland, I tried to send it back. Clearpay refused to refund me. The worst part is, I was told, THE SUPPLIER CAN SEND YOU ANYTHING THEY WANT, EVEN IF ITS NOTHING LIKE ADVERTISED OR A COMPLETELY DIFFERENT ITEM, YOU STILL HAVE TO PAY.
You can order a Rolex and they can send you a comb, you will still need to pay for the Rolex. The epitome of SCAMMERS.
In addition, this payment company are not regulated by the FCA who are a regulatory body who ensures businesses like this treats customers fairly.

Arrange a extension on a scheduled repayment, I was told I would as I did this before my payment was due I would not incur any late fees but they added on the late fees anyway.

Returned my order on 2nd September

Returned my order on 2nd September. This company has the worst Customer Service. Contacted them via email, portal and via Clearpay asking for my refund. I am still waiting. I only wish that I had checked the reviews beforehand. Absolutely ridiculous. I will go through Barclays to log a dispute as Clearpay are also not very helpful.

Update: 15.9.2025 - Order No; Online #400435488626

Still no update regarding my return!

18.9.2025 - Marked as Refunded but still no refund.
22.9.2025 - Have had a further payment deducted from my account and despite being informed via email that a refund will be applied, NO REFUND HAS YET BEEN RECEIVED!!
25.9.2025 Still no refund and no response despite this review being updated with the order number!
3.10.2025 Still no refund from this joke of a company despite them sending confirmation that they have received the items. I have now logged a dispute with my Bank as Clearpay were useless.
11.10.2025 -Have now involved Barclays via a dispute. Clearpay are also useless and unprofessional. Still yet to receive my refund but now they are demanding payment for an item that was returned a month ago! Seriously!!!!!!!!!!!!!!

UPDATE:
Thank you to Barclays for upholding my dispute. I have paid their final payment minus any late payments they tried to charge me. I won't be using them ever again!

We like them as a processor, the only downside - they don't notify you about the chargebacks via email, they send mail! Like, which century do we live in??? We only found out after we got a big amount of money deducted from our account for the chargebacks from the previous month. At least the online portal to respond to chargebacks was convenient, but you have to call them to get access.

terrible, they make it look like the payments will be monthly then when you check it's every 2 weeks. so if you're paid monthly you're in a pickle you cannot get out of without returning your order.

second time trying to use this app to pay for accomodation with booking. com and yet again another failure because the clearpay app processed my booking but charged my bank the full amount when it's supposed to be split into 4 payments even worse is the accomodation is more expensive on the clearpay app but if it's being split into 4 I don't mind that but it's charged me the full amount so if u want to use clearpay for booking dot com please don't as it will charge u the full amount and more than if you booked direct with booking dot com and clearpay won't resolve it

Terrible customer service, as others have alluded to the staff are clearly ill-equipped to handle any issue that requires any amount of thought. The issue appears to lie with ClearPay outsourcing its customer support services to call centres abroad, to people who either don’t or can’t understand English.

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Must be thee worst customer service ever!!! such a let down for a great company which has made it possible for me to get things that I would normally struggle to provide for my family and home.
My account became frozen as money was taken out of a wrong account which was added one wk to make a payment and unfortunately it was flagged. When you made me aware of this I paid the payment took note of payment receipt and sent all relevant details to yourselfs with the response it would be all sorted out within 7-10 working days….. it’s now been over 20 days! I have emailed I have asked BOT 🤦🏼‍♀️ I have been in touch to ask for your help numerous times and get no response and I’m finding it all rather frustrating now. Why can’t someone please just call me and sort it out. I am still making payments and on time even some before it’s due. I just want it un FROZEN so I can start getting organised for Christmas….also Kayla and Edd were the ones named that said they where on the case and it was getting sorted but seem to be ignoring my emails and may I add I have sent MANY emails

I requested a callback after emailing back and forth as im having trouble logging into the app as the app is asking me to confirm the first 6 digits of my old card i used when registering, i no longer have the card and have a new one and wanted to remove the attached card so i could update with my new card.

Just had the most rude individual ive ever spoke to in a customer service environment. Constantly trying to talk over the top of me and even raising his voice over mine so he could be heard while im trying to say my piece, ive never experienced anything like it.

He was saying they need to investigate as the details i gave on the phone call were wrong and at the end of the call in the snooty 'above everyone else' tone said thank you and goodbye and hung up. Quite how my only details can be wrong i will never know but what an absolute shambles im still trembling with anger as i type this.

Worst customer service ive ever experienced in my 49 years on this planet.

Absoloutly disgusting customer service so many better options.. pay monthly or buy now pay in 3 months...comes with customer service aswell.
I needed to cancel an order, that i couldnt wihtout a comfirmation number..i never recieved the email from the merchant so could not do it..i asked clearpay if they could ask the merchant to send my conformation e mail ..they just point blank refused saying they have nothing to do with it and the merchant wouldnt help withput the number.... i got loads of emails telling me the same thing over and over...surely 1 of them could of been sent to the merchant asking for my comfirmation... i thought the fact i never recieved my confirmation e mail might of obliged them to help..it was acctually a hotel booking aswell so i needed that e mail to stay there..just point blank refused

Same as other users, charged for an order that was cancelled on amazon! Still no refund, one time cards on amazon not working flooding my account with failed orders! Clearpay Customer support waking me up at 8am on a Sunday! This company is a joke, once I have settled this account I will not be using them again, trash company!

I have consistently asked them for help concerning a family member who has a account with them they constantly ignore my concerns and request and close the complaint keep trying to take payment sending threatening messages to phone I would not use this company ever they are all about taking your money not helping someone who can’t even give there request they keep asking for I will take them further with this when I am able to !!!

Clearpay’s handling of my mother’s account has been deeply disappointing and completely unacceptable. Her account was blocked without reason, despite the fact that she has never once missed a payment. She then went above and beyond, providing every single document requested — including her official Spanish birth certificate (Certificación Literal de Nacimiento).

Instead of care, support, or even basic human understanding, all she has received are automated, dismissive responses. There has been no genuine attempt to resolve the issue, no urgency, and no acknowledgment of the stress and unfairness caused.

My mother has done everything in her power to comply and cooperate. The failure here lies entirely with Clearpay. Blocking a loyal customer’s account without justification, then refusing to process valid documentation, shows a complete disregard for customer wellbeing and trust.

Clearpay should reflect on how they treat the very people who keep their business running. Right now, it feels like customers are seen as nothing more than account numbers — not people who deserve respect.