PAYPAL
PayPal Checkout makes purchasing and making the payment quicker and easier for you.
You have the option to pay using your preferred debit or credit card as you usually would, or you can sign in to your PayPal account to skip typing your billing and shipping information.
PayPal Credit is like a credit card, without the plastic. It’s a credit limit that’s attached to your PayPal account which you can use for your online
purchases.
What credit offers are available?
A 0% interest offer you can use again and again: PayPal Credit’s 0% interest offer is better than just an introductory offer. Every time you spend £99 or more, you will automatically get 0% interest for 4 months on that purchase. *Plus, you can spread the cost of purchases under £99 at the standard variable rate of interest, currently 21.9% p.a.
* The minimum payment due still applies to 0% offer balances. Any remaining balance due after the 4-month promotional period or any
transactions under £99 will be charged interest at 21.9% p.a.
(variable). In order to maintain the 0% offer, you need to keep up monthly repayments and stay within your credit limit.
With installment offers from PayPal Credit you get:
- Regular monthly payments – you pay the same amount each month to help you plan better
- A credit limit linked with your PayPal account that makes it easier to buy everything you need
How do I apply?
Applying for PayPal Credit is easy. Just click on the PayPal button on our checkout page. Once directed to PayPal, by selecting PayPal Credit, a
selection of instalment offers will be displayed, enabling you to spread the cost of your purchase across a number of payments.
You can use the credit limit granted to pay for today's purchase and future
purchases at thousands of online stores where PayPal is accepted, up to your credit limit.
Do I need to reapply if I already have PayPal Credit?
If you already have PayPal Credit, you can take advantage of these offers without having to reapply as long as you have enough available credit limit. Just select one of available instalment offers and check out with PayPal Credit.
Do I need to have a PayPal account?
Yes, however if you don’t have a PayPal account, you can create one as part of the PayPal checkout.
Signing up for a PayPal account is free and easy; all you need to do is provide
your email address, create a password and accept PayPal’s User Agreement.
I do not see PayPal Credit as a payment option?
For PayPal Credit to show as a payment option, you will need to ensure you have chosen our PayPal button at checkout and that you have a minimum
spend of £99 within your basket.
What do I do if I am unsuccessful in applying for PayPal Credit?
If you have been declined for PayPal Credit, PayPal will send you more information about why your application was unsuccessful. You can still
use PayPal to complete your purchase.
What happens if I want to return the item I bought using my PayPal Credit?
Just return your purchase as normal and the money will be refunded to your PayPal Credit account.
What is the cost of PayPal Credit outside of instalment offers?
The Representative Example below shows the typical costs of using a PayPal
Credit limit, not including installments or other offers.
Representative Example
Purchase rate 21.9% p.a. (variable)
Representative 21.9% APR (variable)
Assumed Credit Limit £1,200
Further information available on the FAQ page on PayPal's website
Before you apply, please make sure you:
• Are a UK resident aged 18 years or older
• Have a good credit history
• Have not recently been declared bankrupt
• Be employed and have an income greater than £7,500 per year
CLEARPAY
Clearpay lends you a fixed amount of credit so you can pay for your purchase over 4 instalments, due every 2 weeks.
Ensure you can make repayments on time.
You must be 18+ and a permanent UK resident (excl Channel Islands).
Clearpay charges a £6 late fee for each late instalment and a further £6 if it’s still unpaid 7 days later.
Late fees are capped at £6 for orders under £24 and the lower of £24 or 25% of the order value for orders over £24.
Missed payments may affect your ability to use Clearpay in the future
and your details may be passed onto a debt collection agency working on
Clearpay's behalf.
Clearpay is credit that is not regulated by the Financial Conduct Authority. T&Cs and other eligibility criteria apply at https://www.clearpay.co.uk/en-GB/terms-of-service.
SHOP PAY
The following info is saved and securely encrypted for your future purchases:
- up to 20 shipping address
- credit card details for up to 10 credit cards, including billing addresses
- mobile phone number
After you set up Shop Pay, you can manage your credit card and billing info from your Wallet in the Shop app. You can manage your shipping addresses in the Shipping addresses settings of the Shop app.
To use Shop Pay, you need to have a Visa, Visa Debit, Mastercard, American Express, or other card that
the online store that you're buying from supports. You can usually find the list of supported payment methods on the payment screen at
checkout.