Whats Is Clearpay?

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 www.lovexoclothing.com and check out as normal. At checkout, choose the Clearpay payment method. You will be directed 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+ with a UK billing address.

Customers with international billing addresses will not be able to use Clearpay or create a Clearpay account.

Other eligibility criteria apply. See Clearpay Terms of Service for further details.

4. How does the Clearpay payment schedule work?

Clearpay will split the total value of your order into 4 instalments payable every fortnight. The exact amounts and dates will be displayed for you to agree to before you confirm your purchase.

If you would like to make additional unscheduled payments before they are due, you may 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 anytime to view your payment schedule or make a payment before the next due date.

5. What if I can't pay a Clearpay instalment?

If you cannot make a payment, please contact Clearpay here.

As soon as you miss a payment, Clearpay will immediately stop you from making any further purchases with Clearpay.

Clearpay charges a £6 late fee for each late instalment and a further £6 if it’s still unpaid 7 days later. Late fees are capped at £6 for orders under £24 and the lower of £24 or 25% of the order value for orders over £24. Missed payments may affect your ability to use Clearpay in the future and your details may be passed onto a debt collection agency working on Clearpay's behalf.

Clearpay is credit that is not regulated by the Financial Conduct Authority. T&Cs and other eligibility criteria apply at clearpay.co.uk/terms

6. When will my items be delivered if I use Clearpay?

Clearpay orders are delivered within our standard delivery timeframes like any order from LOVE XO.

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 £5 and £1000 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 may also 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.

Please note, refunds for Clearpay purchases will be refunded from Ayten Gasson to Clearpay. We cannot provide an exchange or cash refund.

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 that until the merchant has confirmed receipt of any return goods, you will be liable to continue to make your payments to Clearpay.

You can view the details by logging in to your Clearpay account.

10. Where can I find out more about Clearpay?

Visit the Clearpay website here for a comprehensive list of FAQs, Clearpay Terms of Service here, and Privacy Policy here.