does not approve 100% of orders. We are committed to ensuring we support responsible spending.
When determining which orders to approve, our automated system considers a number of different factors. As an example, the longer you have been shopping with Clearpay and the more orders you have successfully repaid, the more likely you will be able to spend more.
Things to consider:
- are there sufficient funds on your card (generally we look to see the first instalment available to spend)
- length of time you have been using Clearpay (tighter in the first 6 weeks)
- amount you have to repay, it may help to pay some off (not a guarantee)
- the value of the order you are trying to place, it may help to reduce the value of your shopping cart (not a guarantee)
- adding a credit card may increase your spending power (not a guarantee)
- the number of orders you currently have 'open' with us (not a guarantee)
Whilst we know it can be frustrating to not know exactly how much you can spend each time or how many active orders you can have, our rules and approval process help Clearpay responsibly offer a completely free service to our shoppers.