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Clearpay and Square

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Clearpay is a buy now, pay later payment option that allows customers to pay for their purchases in four interest-free instalments. Merchants get paid in full – immediately. If eligible to accept Clearpay on your Square account, you can process Clearpay payments:

Square Online

Your Square Online website will be automatically enabled for Clearpay transactions between £1 to £1,000. Accepting Clearpay will enable you to boost online sales, increase average cart size and attract new customers. No additional integration is required.

Square Online Checkout

You can create payment links with Square Online Checkout, allowing customers to select Clearpay as a payment method for transactions between £1 to £1,000.


Clearpay in-person acceptance is available straight away — no additional integration is required.

Your Square hardware will automatically allow customers to pay for in-person goods and services using their contactless Clearpay Card via digital wallets such as Apple Pay, Google Pay or Samsung Pay.

Clearpay in-person acceptance is currently available with:


With Square Invoices, you can enable Clearpay acceptance when sending digital invoices and estimates via your online Square Dashboard, Square POS app or Square Invoices app.

Learn more about sending Square Invoices online.

Virtual Terminal

With Virtual Terminal, you can send payment links directly to your customers via text message. Customers can open the link to checkout via Clearpay.

Learn how to send a payment link with Virtual Terminal.

Learn more about processing Clearpay payments via our Square Online FAQ and In-Person FAQ.


Clearpay gives your customers more payment flexibility when checking out online and in person – see how your sales can grow:

  • Give your customers more payment flexibility at checkout and see how your online and in-person sales can grow.

  • Clearpay customers spend 40% more per transaction and shop 50% more frequently than traditional customers.

  • Clearpay drives new business for merchants by sending out over one million referrals globally every day.


Enabling Clearpay with Square is free – there are no monthly fees or startup costs. The Clearpay processing fee is 6% + 30p per Clearpay order across all Square products that accept it.

  • Square sellers using Clearpay get paid the full amount at the time of purchase, minus a processing fee on the total order.

  • You only pay when you make a sale – there are no processing fees charged on the remaining instalments or if your customer makes a late payment.

  • Clearpay rates are fixed and do not vary by subscription type, hardware or custom pricing.


Eligibility for Clearpay online acceptance is dependent on numerous factors, including how your business is structured and what you sell. Eligibility includes, but is not limited to:

  • 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)

  • Sellers can’t sell restricted digital goods or services

  • Cross-border orders not supported at this time

We’ll work to expand the availability of Clearpay over time to give more sellers the opportunity to enable it on their sites. Review our Clearpay Merchant Terms for more information on eligibility, merchant categories and more.

Enable or Disable Clearpay

To enable or disable Clearpay for in-person transactions on Square POS app and Square Appointments app, you can enable/disable Clearpay directly from your app or online Square Dashboard.

If you’re using Square for Retail POS, Restaurants POS, Invoices or Virtual Terminal, you’ll need to visit Payment Methods via a web browser to enable/disable Clearpay.

Square Dashboard

  1. Go to Account & Settings from your online Square Dashboard.
  2. Click Business information > Payment Methods.
  3. Next to the Clearpay payment method, click ••• then Edit settings.
  4. Toggle the In-Person setting on/off.

Note: Once you’ve enabled Clearpay in-person, customers can pay via their Clearpay Card on Square POS, Appointments POS, Retail POS and Restaurants POS.

Square App

To enable or disable Clearpay for in-person transactions on Square POS app and Square Appointments app, you can enable/disable Clearpay directly from your app or online Square Dashboard.

From your Square POS app or Square Appointments app:

  1. Tap ≡ More > Settings > Checkout > Payment.
  2. Under All payment types, tap Configure Clearpay. You will be directed to your dashboard via a web browser.
  3. Toggle the In-person setting on/off.

If you’re using Square for Retail POS, Square for Restaurants POS or Virtual Terminal, visit the Payment Methods setting from your online Square Dashboard to enable/disable Clearpay.

Once you’ve enabled Clearpay, customers can pay in person via their Clearpay Card on any Square app. Customers can also pay via Virtual Terminal, Square Online and Square Online Checkout.

Clearpay and Square FAQs

Read the following articles to learn more about Clearpay acceptance:

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