We answer all your questions about paying for your order and using promotions
Can I use Clearpay?
You can apply to use Clearpay to pay for your online order, as long as you’re over 18, a UK resident and have a UK billing address, UK mobile number and debit or credit card.
If your basket amount is between £30 and £800, after any reductions, it should qualify for Clearpay; however, Clearpay will decide if you are eligible to pay by Clearpay. Unfortunately, we don’t offer Clearpay on baskets containing gift cards, e-gift cards, food, alcohol and on some furniture items.
Clearpay is not available for in-store purchases or phone orders.
Clearpay can be used in conjunction with gift cards, loyalty reward vouchers and valid promotion codes and coupons, but not debit or credit cards.
You can place more than one order using Clearpay, as long as your payment is approved.
Where you use Clearpay, you will enter into two contracts, one with us 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 and log in to your Clearpay account in the M&S Checkout page and accept Clearpay’s terms and conditions in order 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 login details for Clearpay will be different from the login details which you use for your M&S 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.
If you do not make a payment in full by the due date, Clearpay may charge you a late payment fee. Clearpay may also report your failure to pay to credit reference agencies, which could affect your credit rating and may make it more difficult for you to obtain credit in future. If you are experiencing financial difficulties, please contact Clearpay. For more details, see Clearpay’s full terms.
When will my order be delivered if I use Clearpay?
The same delivery times apply, regardless of how you pay. Visit the M&S ‘Your Account’ page, click here, for more information.
How can I return an item paid for by Clearpay?
Click here for full details of our return instructions.
Just drop the item(s) off at your local Post Office or CollectPlus location or an M&S store. Once we’ve received your item(s) back, we’ll email you to let you know. 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 for 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 we’ve received the item(s) back. Full details can be found online in your Clearpay account.
Can I exchange my item(s) with Clearpay?
We don’t offer exchanges for Clearpay orders. However, you can return the item(s) for a refund and then place a new order.
How do I contact Clearpay?
You can reach Clearpay on 0808 1649707 or by visiting www.clearpay.co.uk. M&S is unable to answer any queries related to Clearpay payments.
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