Crystal and Calm offer Clearpay on orders of £150 and over. 

What is Clearpay?

Clearpay is a ‘buy now pay later’ company that allow you to buy goods or services offered by online retailers such as ourselves (Crystal and Calm). 

By entering a Clearpay Plan, you instruct them to pay the retailer (Crystal and Calm) in exchange for you repaying to them the agreed amounts in installments, on the dates set out in your payment schedule in each Clearpay Plan.

The amounts will include the cost of the goods or services, shipping costs and any taxes or amounts charged by a retailer.

Clearpay will send you a copy of each Clearpay Plan by email. Each Clearpay Plan is a separate short-term fixed sum loan agreement where Clearpay lend you a fixed amount of credit to allow you to pay for your purchase over 4 instalments due every 2 weeks under the payment schedule for each Order.

Clearpay Plans are not regulated by the Financial Conduct Authority.

Important to know!

Please use Clearpay responsibly. Using them to pay for goods or services in installments is a form of interest free unregulated credit. It’s important that you pay Clearpay on time otherwise you may incur late payment fees. 

They may charge a £6 late fee for each late installment and for orders over £24, they may charge a further £6 if the installment is still unpaid 7 days later.

For orders over £24, late fees are capped at the lower of £24 or 25% of the purchase price of the order. Missed payments may affect your ability to use Clearpay in the future and they may pass unpaid debt to their debt collection agency. 

How do I open an account?

To place orders and enter Clearpay Plans, you must register with them for an account. 

To register for an account and be eligible to use their services, you must be a UK resident (excluding Channel Islands), aged 18 or over, have a UK payment method (e.g., debit or credit card or any other card accepted by Clearpay), a UK billing address and a valid email address and UK mobile number.

Clearpay will ask you for information about you to check your identity and to meet their legal and regulatory requirements. They will only register your account when they have approved the information.

You can create an account by visiting the Clearpay website or they can create an account for you when you place your first order with us. When your account is set up, you’ll choose a payment method for the installment payments (e.g., credit or debit or other payment card or method accepted such as Apple Pay).

Clearpay's services are for your personal non-business use, and you are limited to opening one account (if they have closed your account, you’ll be prevented from creating a new one).

Keeping your account safe and secure

When your account is created, you will be asked to set up a username and secure password. You can then access your account through the Clearpay website or app. You need to keep your security details and account safe and secure. This means you shouldn’t share your security details with anyone, and you should be careful when writing your security details down so that other people cannot see or access your security details. You should also log out of your account on your electronic device when you have finished using your account. Clearpay are not responsible for any unauthorised use or access of your account unless they have failed to take reasonable steps to prevent such unauthorised use or access. You must contact Clearpay immediately if you notice any unauthorised access or use of your account.

Do Clearpay charge interest?

Clearpay Plans are interest free. However, your bank may charge interest or other charges in accordance with the terms and conditions of the agreement between you and your bank.

Do Clearpay charge late fees?

They only charge late fees if you do not pay on time. The late fees charged are:

• Orders less than £24: they may charge one late fee of £6 if you do not pay an installment under a Clearpay Plan by the due date.

• Orders equal to or more than £24: they may charge a late fee of £6 if you do not pay an installment under a Clearpay Plan by the due date and a second late fee of £6 if the installment is still unpaid 7 days after the due date.

The total late fees that may be applied to an order are capped at 25% of the purchase price of the order (before any refunds are applied) or £24, whichever is less.

All late fees are payable by you at once. Late fees will not be applied until the date after the day that payment is due.

You authorise Clearpay to deduct payment from your payment method for any late fees when they are due.

They may delay or decide not to charge late fees. If they do not enforce their rights against you for late fees, this will not stop them enforcing those rights at a later date. If you think late fees have been charged in error, please let Clearpay know.

How do Clearpay manage late payments?

Clearpay will contact you as soon as they can to let you know that you have missed a payment and propose options for how payment can be made. They will work with you to agree a repayment plan for the orders and any late fees.  If they are unable to collect any amounts you owe them, they may use a debt collection agency to recover amounts owing under Clearpay Plans.

What if I cannot pay a Clearpay Plan on time or I am struggling financially?

If you are not able to pay on time, please contact Clearpay as soon as possible so they can help you. Please click here for more information on financial difficulties.


If you have any questions, concerns or complaints about Clearpay, your orders, or any Clearpay Plans, please contact their customer services team as soon as possible. Clearpay take all complaints seriously and will try to put things right. They may ask you to help them sort your complaint by requesting additional information and assistance. Please click here for more information on the Clearpay complaints process.

Notices and Communications

Clearpay will communicate with you in English and in electronic form by posting communications on the secure customer area of their website and app or by email, post, and other electronic methods (e.g., SMS) using the contact details listed in your account.Please keep your contact details accurate and up to date and let Clearpay know immediately if any information changes. You can update your contact details on their website or app or by contacting them.

Contacting Clearpay

You can contact Clearpay by clicking here.

Your consumer rights

You have consumer law rights when you buy goods or services. This includes when you are treated unfairly or when things go wrong such as faulty goods and poor services. Nothing in this agreement affects your consumer law rights.

Changes to these terms and conditions

Each time you are provided with a Clearpay Plan, you’ll be asked to agree to the terms and conditions in force at that time (which may be different to the version you previously agreed to for earlier orders). The version of the terms and conditions in force at the time you enter a particular Clearpay Plan will apply to that Clearpay Plan for the duration of the Clearpay Plan. The terms and conditions you agree to for each Clearpay Plan will be emailed to you after Clearpay approve each order. Unless Clearpay agree with you beforehand or they are required to do so by law, rule, or regulation, they will never change those terms. The latest version their terms and conditions will be posted on their website. 

Relationship between Clearpay and retailers

When you enter a Clearpay Plan, the retailer (Crystal and Calm) will pay Clearpay a fee for each Clearpay Plan used by you. Clearpay lend you a fixed amount of credit to allow you to purchase goods or services from a retailer, but it is the retailer who is the seller of the goods or services, and your purchase will be under their terms and conditions.

Please click here to read the full terms of service.