How to get a refund for a Clearpay purchase
Purchased something using Clearpay and need a refund? The process can seem tricky because Clearpay is a third-party payment service, but your consumer rights are still fully protected. This guide will walk you through getting your money back.
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Build my claim →Your rights
Your primary right to a refund for faulty goods, services not provided, or misdescribed items purchased using Clearpay lies with the retailer, under the Consumer Rights Act 2015. This Act ensures goods must be of satisfactory quality, fit for purpose, and as described. Once the retailer processes a refund to Clearpay, Clearpay will then adjust your payment schedule or return any payments you've already made to them.
Step by step
- 1Contact the retailer directly: Initiate the return or refund process with the merchant where you made the original purchase, following their return policy.
- 2Ensure the retailer processes the refund to Clearpay: Confirm with the retailer that they are issuing the refund back to Clearpay, not attempting to refund you directly.
- 3Monitor your Clearpay account: Clearpay will update your payment schedule or refund any payments you've already made once they receive the funds from the retailer.
- 4Escalate if necessary: If the retailer refuses a valid refund, remind them of your rights under the Consumer Rights Act 2015 and consider formal complaints.
What they'll say, and your comeback
“We can't refund Clearpay directly, you need to contact them.”
Comeback, My contract for the goods is with you, the retailer. You must process the refund to the original payment method, which is Clearpay. They will then adjust my account.
“Your return is outside our standard return window.”
Comeback, If the item is faulty, not as described, or not fit for purpose, my statutory rights under the Consumer Rights Act 2015 apply, regardless of your store's return policy.
“We've issued a store credit instead of a refund.”
Comeback, Under the Consumer Rights Act 2015, if the goods are faulty or not as described, I am entitled to a full refund to my original payment method, not store credit.
FAQ
What happens to my Clearpay payments if I get a refund?
Once the retailer processes the refund to Clearpay, Clearpay will adjust your payment schedule. If the refund amount covers your outstanding balance, your remaining payments will be cancelled. If you've already paid more than the refund amount, Clearpay will refund the difference to your original payment method.
Can I get a partial refund with Clearpay?
Yes, if the retailer issues a partial refund, Clearpay will adjust your remaining payment instalments accordingly. Your payment plan will be recalculated to reflect the new, lower outstanding balance.
Ready to get your money back?
Reclaim it now, free →More money you might be owed
- UKHow to get a refund for a faulty product (even 'out of policy')
- UK / EUHow to get a refund when your order never arrived
- EUResolve a cross-border online purchase dispute (ECC-Net)
- SpainCómo reclamar la devolución por un producto defectuoso en España
- PortugalDevolução de produto com defeito em Portugal
- FranceProduit défectueux : garantie légale de conformité en France
A self-serve tool, not a law firm. General information, not legal advice.