Creditor, lender or debt-collection entity

Clearpay

Independent information about Clearpay missed payments, late fees, debt collection, regulated BNPL credit and complaints.

If a Clearpay payment is missed, Clearpay says the account is paused and spending access may be reduced. Its current terms also explain capped late fees and that extended overdue balances may be passed to a debt collection agency acting on Clearpay’s behalf. Since 15 July 2026, Clearpay Plans are regulated deferred payment credit agreements.

What role does Clearpay have?

Original creditor

The company contacting you is not necessarily the company that legally owns the debt. Check the original creditor, current owner and the role stated on your latest correspondence.

Legal identity and regulatory position

Clearpay Finance Limited, company number 05198026, is the lender under the current Clearpay Plan. Clearpay states that it is deemed authorised and regulated by the FCA under the Temporary Permission regime for Regulated Deferred Payment Credit.

Clearpay Finance Limited states that it is deemed authorised and regulated by the FCA for the Temporary Permission regime for Regulated Deferred Payment Credit while seeking full authorisation.

Contacting Clearpay

Use the Clearpay app, official chat or customer-service routes to manage payments or explain financial difficulty. Check the exact overdue instalment and any late fee before paying.

If you want to complain

Clearpay publishes a formal complaints process and states that it aims to resolve complaints within eight weeks. Its current regulated credit information provides Financial Ombudsman Service referral rights where applicable.

What to check before paying or agreeing a plan

  • Confirm the account reference and original creditor match your records.
  • Check whether the company says it owns the debt or is collecting for another organisation.
  • If you do not recognise the debt, ask for clarification before making a payment or admitting liability.
  • Keep copies of letters, emails, payment offers and complaint correspondence.
  • Do not agree to a repayment amount that is not affordable alongside priority household bills.

Related guidance

Important: YourFinances.co.uk is not affiliated with Clearpay. This page provides general information and does not confirm that any debt is valid, enforceable or owed by a particular person.