Clearpay

 What is Clearpay?

Clearpay is a 'buy now pay later' payment method you can use where you're able to spread the cost of your order over 4 interest-free instalments over 6 weeks, due every 2 weeks.

Clearpay is an independent payment provider and Coes have no influence over whether your payment will be accepted or not.

Please use Clearpay responsibly and ensure you can make repayments on time. 

See Clearpay's full Terms of Service here.

Who can use Clearpay?

Customers:

• aged 18 years or over.
• with a UK billing address.
• with a valid email address and UK mobile number.
• who have a UK payment method - Visa or Mastercard Debit or Credit Card.

When can Clearpay be used to place an order?

• When placing an order in GBP on our website.
• Please note, you are unable to buy Coes Gift Cards using Clearpay.

How do you pay with Clearpay?

• At checkout, select the Clearpay option.
• You'll be redirected to the Clearpay portal.
• Existing Clearpay users will be asked to log in.
• New Clearpay users will be asked to register with an email address and password. Once you've agreed to the terms and registered, you won't need to do it again.

How do the instalments work?

• Clearpay splits the cost of your order into 4 instalments over 6 weeks, due every 2 weeks. The exact dates and amounts due will be displayed for you to agree before you place your order.
• The first of the 4 instalments will need to be paid at the time of purchase.
• Instalments 2, 3 and 4 will automatically be collected from your debit or credit card every 2 weeks.
• You'll receive a reminder from Clearpay 2 days before each instalment is collected.
• You'll be able to make early payments in your Clearpay account. Clearpay will then adjust the amount owed.

Returning an order paid with Clearpay

• Once we have processed your return in our usual way, Clearpay will be notified of the refund amount. Clearpay will then make the adjustment to your payment schedule.

What happens if a payment is missed or late?

• Orders less than £24: Clearpay may charge a £6 late fee for each late instalment.
• Orders £24 and over: Clearpay may charge a £6 late fee for each late instalment and a second late fee of £6 if the instalment is still unpaid 7 days after the due date. Late fees are capped at £24 or 25% (whichever is less) of the purchase price of the order.
• Clearpay will contact you to let you know that you have missed a payment and give options for how the payment can be made.
• If Clearpay is unable to collect any amounts owed to them, they may use a debt collection agency to recover the amount owed.

What to do if you are unable to make a payment?

If you are unable to make a payment on time, please contact Clearpay as soon as possible.

Contact

• If you have any questions in regards to making payments, payment or instalment refunds, please contact Clearpay.
• If you have any order, dispatch or delivery queries, please contact us.