Accept In-Person Payments with Clearpay and Square
Clearpay is a buy now, pay later payment method that allows customers to pay for in-person transactions in four interest-free instalments over six weeks. Merchants get immediately paid in full. Clearpay in-person acceptance is currently available with:
Your Square hardware will allow customers to pay for in-person goods and services using their Clearpay Card via digital wallets such as Apple Pay and Google Pay. Learn more about Clearpay card and how it works.
Setup is easy – your Square Register, Square Terminal, Square Stand and Square Reader for contactless and chip will automatically be set up so your customers can pay for in-person goods or services as soon as Clearpay is enabled from your online Square Dashboard. No additional integration or hardware setup is required.
Square sellers using Clearpay get paid the full amount at the time of purchase, minus a processing fee on the total order. Enabling Clearpay with Square is free – there are no monthly fees or startup costs. You only pay when you make a sale. No processing fees are charged on the remaining instalments or if your customer makes a late payment.
Clearpay processing fees will be 6% + £0.30 across in-person payments.
Note: Clearpay rates are fixed and do not vary by subscription type, hardware or custom pricing.
To see if you are eligible for Clearpay in-person acceptance with Square, log in to your online Square Dashboard and review your Payment Methods.
Eligibility for Clearpay is dependent on numerous factors, including how your business is structured and what you sell:
Sellers must be in an approved merchant category
Sellers must be based in the United Kingdom
Sellers can’t have multiple Tax Identification Numbers (TINs) or business numbers
If Clearpay is available to your business, you can toggle on Clearpay acceptance both Online or In Person from within this setting. If you’re listed as Ineligible, you can’t accept payments using Clearpay at this time.
We are working on expanding Clearpay availability over time to allow more sellers to accept Clearpay within their business. Review our Clearpay Merchant Terms for more information.
Enable or Disable Clearpay
You can enable or disable Clearpay at any time by toggling In-person on/off via your Payment Methods settings.
Once you’ve enabled Clearpay in-person, customers can pay via their Clearpay Card on Square POS, Appointments POS, Retail POS and Restaurants POS.
Note: Square in-person acceptance is not yet available with Square Invoices or Square Appointments Online Booking Site. We hope to expand availability soon.
For tips to promote Clearpay in-person at your business, visit our In-Person FAQ.
Accept Clearpay In-Person
Once you’ve enabled Clearpay, you can accept payments as you normally would with a card, cash or other payment option.
Add items to basket or enter a custom amount.
Tap Review sale > Charge.
The customer must open the Clearpay App, then tap In-Store > Pay in-store > Pay in-store with Clearpay Card.
Once they’ve authorised the payment, they can tap their mobile device to your Square Reader, Square Terminal, Square Stand or Square Register.
Send a digital receipt via text message or email or print the receipt as proof of purchase. The customer will also see the transaction via their Clearpay app starting with SQ*.
Refund Clearpay Transactions
If the customer completed a payment using Clearpay Card and Square hardware, you can issue a full or partial refund within one year of the original transaction date.
Learn more about processing refunds via the Square POS app or your online Square Dashboard.