What is Clearpay?

Buying Artwork on Artfinder with Clearpay

What is Clearpay?

Clearpay is a “buy now, pay later” (BNPL) payment service that allows you to split the cost of your purchase into four equal, interest-free instalments. Payments are typically taken every two weeks.

It is provided by Clearpay and can be used at participating online retailers, including Artfinder.

You can read more about this here.

How does Clearpay work on Artfinder?

When shopping on Artfinder, you can select Clearpay at checkout (if available for your order). The total cost is split into four payments:

• First payment: taken at the time of purchase
• Remaining 3 payments: taken automatically every 2 weeks
• No interest is charged if payments are made on time

Who can use Clearpay on Artfinder?

For the UK, Clearpay is generally available to customers who meet the following conditions:

• Must be 18 years or older
• Must be a UK resident (Clearpay availability varies by country)
• Must have a valid UK debit or credit card
• Must pass Clearpay’s instant approval check
• Must have a Clearpay account in good standing

Approval is not guaranteed and depends on Clearpay’s internal assessment.

Are there any restrictions when using Clearpay?

Yes, there are some important restrictions:

1. Order eligibility

• Not all artworks or sellers on Artfinder may be eligible for Clearpay
• Basket value up to £1.2k
• Some high-value or special-order artworks may be excluded

2. Account restrictions

• Late or missed payments may result in late fees
• Your Clearpay account may be suspended if payments are not made on time
• Spending limits may vary depending on your payment history

3. Payment method restrictions

• Cannot be used with some prepaid cards or certain payment types
• Billing address must match your registered Clearpay details

Is Clearpay a credit product?

Clearpay performs a soft eligibility check, but it is not a traditional credit card. However, it is still a form of credit agreement, and missed payments can impact your ability to use the service in the future.

Can I return an artwork purchased with Clearpay?

Yes. Returns on Artfinder follow the seller’s return policy. If a return is accepted:

• Clearpay will adjust your payment plan or refund instalments already paid (where applicable)
• Any remaining payments will be cancelled once the return is processed

What happens if I miss a Clearpay payment?

If a payment is missed:

• Clearpay may charge a late fee
• Future purchases may be restricted
• Your Clearpay account may be paused until payments are brought up to date

Where can I get help with Clearpay purchases?

• For payment issues: contact Clearpay directly through your Clearpay account or through their website, here.
• For order or artwork issues: contact Artfinder on sellers@artfinder.com