1. What is Clearpay?

Clearpay is a payment service allowing us to offer customers the ability to make purchases instantly and then pay for them in 4 automatic instalments made every 2 weeks without any interest. 

2. How do I use Clearpay?

Just shop and check out as normal on our site. At checkout, choose the Clearpay payment method.

You will be directed to the Clearpay website to register and provide payment details (Visa, Mastercard or AMEX). If you’ve used Clearpay before, just log in to your Clearpay account. Then complete your order – easy!

Please note, all items in your shopping bag must be eligible for Clearpay and the shopping value must be under *£1200. 

3. Where can I use Clearpay?

Clearpay can only be used on purchases made on the Speedray Design Wear website.

4. Can I use Clearpay if I’m an international customer?

Clearpay is available to customers with a UK billing address.

Customers with other international billing addresses will not be able to use Clearpay or create a Clearpay account.

5. How does the Clearpay payment schedule work?

Clearpay customers make their first payment at the time of purchase, the remaining three payments are deducted every 2 weeks automatically from your selected payment method.

If you would like to make additional unscheduled payments before they are due, you may log in to Clearpay 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 installment?

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 for a missed payment that is not resolved. 

This will be an initial £6 and a further fee of £6 if the missed payment is not made within 7 days. Late fees will not exceed 25% of the total order.

Please see Clearpay Payment Purchase Agreement here.

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

Clearpay orders are delivered within our standard delivery timeframes like any order from Speedray Design Wear.

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

Yes, your cart value must be less than £1000 to use Clearpay. 

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

Yes, you may also use a gift card or promotional code with Clearpay to pay for your purchase.

10. What products are not eligible for Clearpay?

Clearpay is not available on purchases of gift cards. If your order contains gift cards and other eligible products, you will need to purchase your gift cards separately.

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

Clearpay returns follow our standard return process. Please note, refunds for Clearpay will be refunded from Speedray Design Wear to Clearpay.

We cannot provide an exchange or cash refund. As soon as the refund is processed it will drop into your Clearpay online account.

12. Where can I find out more about Clearpay?

Visit the Clearpay website here for a comprehensive list of FAQs and check out Clearpay’s Privacy Policy found here.

*Your payment schedule will be provided to you. If you fail to make a payment on time, you will be charged a late fee of £6 with an additional £6 fee added after 7 days if payment is still unpaid.

* Other factors may be taken into account that might cause this figure to be less, such as being a new customer or your customer payment history. 

Shop now, pay with Klarna.

We’ve partnered with Klarna to give you a better shopping experience.

It’s smoooth and simple

When you choose Klarna at checkout, you’ll get the option to shop now and pay later for your purchase.

Pay in 10 days

Get what you love today and pay up to 10 days after placing your order. No upfront payments.

Pay in 30 days is an unregulated credit agreement. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Ts&Cs and late fees apply.

Financing

Apply for monthly financing during checkout. It’s a simple, 2-step application process with an instant decision. When approved, you can manage your payments and get payment reminders in the Klarna app.

Pay in 3 instalments

Split your purchase into three payments so you can spread the cost of your purchase over time. Enter the credit or debit card details of your choice and make automatic payments every 30 days. Your first instalment will be collected when your order is confirmed by the merchant and instalments 2 and 3 are scheduled 30 and 60 days later, respectively. No interest.

Klarna's Pay in 3 is an unregulated credit agreement. Borrowing more than you can afford or paying late may negatively impact your financial status and ability to obtain credit. 18+, UK residents only. Subject to status. Ts&Cs and late fees apply.

Financing

This credit option allows you to spread your cost over time. With an instant credit decision, you can complete the purchase with up-front terms and conditions. Automatic payments will be made each month by direct debit and you can also pay off the full amount anytime.

How to shop with Klarna

Add item(s) to your cart and head to the checkout.

Select Klarna at the checkout to pay as you like for your purchase.

Manage your orders and payments in the Klarna app.

The best way to shop.

See all of your purchases in one place, pay any open balances, explore unique content and much more in the Klarna app. You can also log into your Klarna account at https://app.klarna.com/login. If you need any help, our Customer Service is there for you.

Safe and secure.

Klarna has strong anti-fraud controls in place to protect our customers and prevent fraudsters from making unauthorized purchases.

Frequently Asked Questions

Don’t see your question here? Visit our FAQ page to find out more about using Klarna. You can reach Klarna at https://www.klarna.com/uk/customer-service/ or by downloading the Klarna app.

What happens if I make a return?

If you return some or all of your order, Klarna will issue you with a new statement as soon as the online store processes your return. Follow the retailer's return instructions and make sure to keep the tracking number of your return. Log into your Klarna account and select “Report a return” so that your statement is paused. As soon as the retailer has registered your return, we will send an adjusted invoice.

There's something wrong with my order. Do I still need to pay for it?

You do not need to pay for goods that are received damage, broken or faulty. Follow the retailers dispute instructions and make sure to “Report a problem” in your Klarna account to pause your statement until you’ve resolved the dispute with the retailer. As soon as the retailer has registered your cancellation or your return, the refund will be processed within 5-7 business days.

I have not received my order. What happens to my statement?

You do not need to pay the statement until you have received your order. Contact the retailer for an update on the delivery. Make sure to log into your Klarna account and “Report a problem” to pause your statement until you’ve received your order.

My statement is incorrect. What should I do?

If your statement does not match your order details, please contact the retailer directly for a correction of your statement. Make sure to log into your Klarna account and “Report a problem” to pause your statement until the details have been corrected.

What happens if I don’t make a Pay in 10 days payment on time?

Pay in 30 days is a credit product and you are required to make your payment to Klarna. If you don't pay for your order on time, Klarna may charge late payment fees. Klarna may also share information about your missed payments with credit reference agencies. This means you may find it difficult or more expensive to use Klarna or other lenders' credit products in the future. Full details can be found in the Klarna terms and conditions here.

What happens if I don’t make a Pay in 3 payment on time?

Pay in 3 is a credit product and you are required to make your scheduled payments to Klarna. Your payments are automatically withdrawn from your connected card or bank account according to the agreed payment schedule. Klarna will send you multiple friendly reminders before payment is due so you can make sure you’ve got enough money to pay. If payment fails, you may be charged a late fee, subject to our T&Cs.

About Klarna

Founded in Stockholm, Sweden, Klarna is one of Europe's fastest-growing companies and a leading alternative payment provider. Klarna’s vision is to make shopping smoooth, adding value for consumers and retailers with unique payment options and superior customer experience.

Right now, over 90 million people worldwide use Klarna at over 250000 online stores.

https://www.klarna.com/uk/about-us/

Please spend responsibly. Borrowing more than you can afford could seriously affect your financial status. Make sure you can afford to make your monthly repayments on time.

Klarna Financial Services UK Limited (“Klarna”) is authorised and regulated by the Financial Conduct Authority (“FCA”) for carrying out regulated consumer credit activities (firm reference number 987889), and for the provision of payment services under the Payment Services Regulations 2017 (firm reference number 987816). Klarna provides both regulated and unregulated products. Klarna’s Pay in 3 instalments and Pay in 30 days agreements are not regulated by the FCA. Incorporated in England (company number 14290857), with its registered office at 125 Kingsway, London, WC2B 6NH.

https://www.klarna.com/uk/terms-and-conditions/