Clearpay

 Updated 31st July 2026 

1. What is Clearpay?

OMNI / INSTORE / ONLINE: Clearpay is a payment service that lends customers a fixed amount of credit to make purchases instantly and then pay for them in 4 automatic instalments, made every 2 weeks, without any interest (late fees apply). Please use Clearpay responsibly.

The service is provided by Clearpay Finance Ltd. Clearpay Plans are deemed authorised and regulated by the Financial Conduct Authority for the purposes of the Temporary Permission regime for Regulated Deferred Payment Credit. Details of the Temporary Permission regime, which allows firms to carry on deferred payment credit activities while seeking full authorisation, are available on the Financial Conduct Authority’s website.

2. How do I use Clearpay?

OMNI:
Clearpay can be used online and instore.

To shop online, simply visit www.benchdogtools.co.uk and check out as normal. At checkout, select Clearpay as your payment method. You’ll be directed to Clearpay to log in or create an account and provide your payment details (Visa or Mastercard).

If you’ve used Clearpay before, just log in to complete your order.

To shop instore, download the Clearpay app and set up the Clearpay Card. Before paying, head to the In-store tab in the app and enter your purchase amount. We’ll run a quick check and, once approved, you can tap and pay using Apple Pay, Google Pay or Samsung Pay. Your purchase will then be split into 4 instalments.

INSTORE:
Clearpay can be used instore. Simply download the Clearpay app and set up the Clearpay Card. Before paying, head to the In-store tab in the app and enter your purchase amount. We’ll run a quick check and, once approved, you can tap and pay using Apple Pay, Google Pay or Samsung Pay. Your purchase will then be split into 4 instalments.

ONLINE:
Just shop on www.benchdogtools.co.uk and check out as normal. At checkout, choose Clearpay as your payment method. You’ll be directed to Clearpay to log in or create an account and provide your payment details (Visa or Mastercard).

If you’ve used Clearpay before, simply log in to complete your order.

3. Where can I use Clearpay?

OMNI / INSTORE / ONLINE:
Take a look at the Clearpay Shop Directory to check out our amazing partners where you can use Clearpay.

4. Who can use Clearpay?

OMNI / INSTORE / ONLINE:
Clearpay is only available to permanent UK residents aged 18+ (excluding Channel Islands) with a UK billing address.

Customers with international billing addresses will not be able to use Clearpay or create a Clearpay account. Other eligibility criteria apply, including creditworthiness and affordability assessments. See Clearpay Terms of Service for further details.

5. How does the Clearpay payment schedule work?

OMNI:
Clearpay will split the total value of your order into 4 instalments payable every fortnight. When transacting online the exact amounts and dates will be displayed for you to agree to before you confirm your purchase. For instore purchases you will receive your payment summary once you have successfully transacted.

If you would like to make additional unscheduled payments before they are due, you may log into your Clearpay account to make your payments early. Clearpay will then adjust the amount owed accordingly.

You can log in to your Clearpay account anytime to view your payment schedule or make a payment before the next due date.

INSTORE:
Clearpay will split the total value of your order into 4 instalments payable every fortnight. You will receive your payment summary once you have successfully transacted.

If you would like to make additional unscheduled payments before they are due, you may log into your Clearpay account to make your payments early. Clearpay will then adjust the amount owed accordingly.

You can log in to your Clearpay account anytime to view your payment schedule or make a payment before the next due date.

ONLINE:
Clearpay will split the total value of your order into 4 instalments payable every fortnight. The exact amounts and dates will be displayed for you to agree to before you confirm your purchase.

If you would like to make additional unscheduled payments before they are due, you may log into your Clearpay account to make your payments early. Clearpay will then adjust the amount owed accordingly.

You can log in to your Clearpay account anytime to view your payment schedule or make a payment before the next due date.

6. What if I can't pay a Clearpay instalment?

OMNI / INSTORE / ONLINE:
If you cannot make a payment, please contact Clearpay.

As soon as you miss a payment, Clearpay will immediately stop you from making any further purchases with Clearpay.

Clearpay will give you until 11pm on the following day to make your repayment and then you will incur a late fee if you are still not able to make the payment by then. This will be an initial £6 and a further fee of £6 if the missed payment is not made within 7 days. If your order is less than £24, the total late fee will be £6. If your order is £24 or over, total late fees will not exceed 25% of the total order or £24, whichever is less.

Late payments may affect future spending limits. We may also report your late payment data to credit reference agencies. This could have a negative impact on your credit file, and could make it harder to obtain credit in future. 

Clearpay debt may be passed to a debt collection agency and this may affect your ability to use Clearpay in future. We encourage you to use Clearpay responsibly. Please see Clearpay Terms of Service for further details.

7. When will my items be delivered if I use Clearpay?

OMNI / ONLINE:
Clearpay orders are delivered within our standard delivery timeframes like any order from Benchdog Tools.

8. Is there a limit to how much I can spend on a single Clearpay transaction?

OMNI / INSTORE / ONLINE:
Yes, your order value including shipping must be between Merchant Minimum Order  and £1500 to use Clearpay. Your maximum order value may be lower depending on factors such as being a new customer or your payment history.

9. Can I use another form of payment with Clearpay?

OMNI / INSTORE / ONLINE:
Yes, you may also use a gift card, cash, or a promotional code with Clearpay to pay for your purchase.

10. How do I return or exchange an item purchased with Clearpay?

OMNI:
Clearpay purchases follow the retailer's standard return policy for both instore and online transactions. Check with the retailer's return policy to make sure your purchase is eligible for return.

Please note, refunds for Clearpay purchases will be refunded from Benchdog Tools to Clearpay. We cannot provide an exchange or cash refund.

When the refund is processed, any upcoming payments you have to Clearpay will be cancelled and any payments you have already made will be refunded back to the card you paid with. Please note that until the merchant has confirmed the receipt of any return goods, you will be liable to continue to make your payments to Clearpay.

You can view the details by logging in to your Clearpay account. For more information on refunds, please visit Clearpay's FAQ page.

INSTORE: Clearpay purchases follow the retailer's standard return policy for instore transactions. Check with the retailer's return policy to make sure your purchase is eligible for return.

Please note, refunds for Clearpay purchases will be refunded from Benchdog Tools to Clearpay. We cannot provide an exchange or cash refund.

When the refund is processed, any upcoming payments you have to Clearpay will be cancelled and any payments you have already made will be refunded back to the card you paid with. Please note that until the merchant has confirmed the receipt of any return goods, you will be liable to continue to make your payments to Clearpay.

You can view the details by logging in to your Clearpay account. For more information on refunds, please visit Clearpay's FAQ page.

ONLINE:
Items purchased with Clearpay follow our standard return process.

Please note, refunds for Clearpay purchases will be refunded from Benchdog Tools to Clearpay. We cannot provide an exchange or cash refund.

When the refund is processed, any upcoming payments you have to Clearpay will be cancelled and any payments you have already made will be refunded back to the card you paid with. Please note that until the merchant has confirmed the receipt of any return goods, you will be liable to continue to make your payments to Clearpay.

You can view the details by logging in to your Clearpay account.

11. Where can I find out more about Clearpay?

OMNI / INSTORE / ONLINE:
Visit the Clearpay website for a comprehensive list of FAQs, Clearpay Terms of Service, and Privacy Policy.