Accept Payments with Clearpay on Square Online Checkout FAQs
Clearpay is a buy now, pay later (BNPL) service that allows customers to pay for online orders in four interest-free payments over six weeks. You get the full amount – up front.
Eligible sellers are automatically able to use Clearpay when they create a payment link with Square Online Checkout, allowing customers to select Clearpay as a payment method at checkout. Sellers will receive the full amount up front. Learn more about how Clearpay works on their website.
Enabling Clearpay with Square is free – there are no monthly fees or startup costs. The Clearpay processing fee is 6% + 30p per Clearpay sale.
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.
Enable or Disable Clearpay
To enable or disable Clearpay payments on your Square Online Checkout payment links:
From your Account & Settings page, go to Business information > Payment methods.
Under Clearpay, select ••• > Edit settings.
Toggle the Online option on or off, then select Save.
When enabled, the Online option ensures you can offer Clearpay to customers on your Square Online Checkout links. If disabled, customers can’t use Clearpay to check out.
Note: The setting for online payments with Clearpay is global and applies across all Square products that can also take Clearpay payments online. This includes other online platforms such as Square Online and Virtual Terminal. There isn’t a way to disable Clearpay only for Square Online Checkout links at this time.
Eligibility for Clearpay is dependent on several factors, including how your business is structured and what you sell. Here are some notes to keep in mind:
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
Restricted digital goods or services are not eligible at this time
Item or basket totals outside of the eligible purchase range not supported
Custom pricing not supported
Cross-border orders not supported
Review our Clearpay Merchant Terms for more information on eligibility, merchant categories and more.
There is no additional charge for your customers to buy now, pay later — they make four interest-free payments over 6 weeks, the first payment being due at time of purchase. You get paid the full amount at time of purchase, minus the processing fee on the total order.
The Clearpay processing fee is 6% + £0.30 per transaction. There’s no additional setup cost or monthly fee.
Note: Clearpay rates are fixed and do not vary by subscription type, hardware or custom pricing.
Clearpay is a separate payment option working with Square, and this is the standard buy now, pay later rate that Clearpay charges merchants. In addition, Square and Clearpay assume buy now, pay later risk on behalf of the merchant together, including chargebacks and fraud.
You’ll get paid the full amount at time of purchase, minus the processing fee on the total order. There are no processing fees charged on the remaining installments, and no other monthly fees or activation costs.
Once Clearpay is enabled in the Payment methods section of your online Square Dashboard, your customers will see the option to pay in four interest-free installments with Clearpay on your Square Online Checkout payment links and buy buttons.
Your customers can sign up for an Clearpay account through the Clearpay app. The app is free, and they’ll know instantly if they’re approved. Once customers are ready to pay, they can choose Clearpay as their payment method at checkout.
They will be asked to make the first payment at checkout and pay the rest over six weeks. You will receive the total order amount up front, only the processing fee is deducted. Fraudulent charges and chargebacks are completely covered by Clearpay.
Learn more about how Clearpay works for buyers on their website.
All remaining payments are handled entirely by Clearpay. If your customer is late or misses a payment, it doesn’t affect your business. Find out more about how payments work with Clearpay and the consequences of late or missed payments on the Clearpay website.
Regardless of whether or not your customer has paid the full balance, orders can be refunded from the Order Manager in your online Square Dashboard, just like any other order. The amount will be refunded to the customer on the Clearpay side. Learn more about Clearpay refunds in the Clearpay Support Centre.
Note: A refund can only be processed for an Clearpay payment taken within 120 days.
Clearpay takes on the risk for the sellers that use it, including chargebacks and fraud. If one of your customers disputes a payment, Clearpay will reach out to you for more information and any documentation on proof of delivery, and a dispute decision will be made.
If the customer wins the dispute, Clearpay covers any dispute losses entirely. At no point are funds held from your Square account.
This may be due to a few reasons:
- Clearpay is toggled off in the Payment methods section of your Account & Settings.
- The customer’s cart total is outside the eligible purchase range you set up or the Clearpay default purchase ranges.
- Your location’s language setting is a language other than English.
Eligible purchase range refers to the prices for which Clearpay is available to buyers. There’s an eligible purchase range for order totals and one for individual items. The default ranges in your account are based on what type of business you have.
Not at this time. However, we look forward to introducing more control of Clearpay availability in the future.
Yes. Clearpay will appear as a payment option for qualifying shipping or pickup orders.
Yes. The tipping settings you have in place will appear as normal for Clearpay transactions.
Note: Tips can push cart totals into or out of the order thresholds. Additionally, the Clearpay processing rate applies to the entire sale.
- You can order a free marketing kit via Square Shop which includes stickers and a table tent that you can display at your point of sale.
- Tell customers your business offers Clearpay on your website and social media. Visit Clearpay’s marketing assets for helpful tips.