A new payment option arrives at the Home of Tone - Clearpay!
You may have noticed a new little detail on each product listing and at the checkout, the addition of 'Clearpay' payment options! I have had a number of requests from customers recently asking if there were any installment options available which can be particularly useful for people to spread costs a little easier. After some discussions with the people at Clearpay, it seems like a great option to offer so here's a little introduction to what they will provide here as an alternative payment method going forward.

If you're based in the UK, and your cart requirements meet the criteria, you may have spotted a new payment method at the checkout, Clearpay! But what is it you ask?
Simply put, Clearpay offers installment plans for online shoppers. Buy what you want today, pay it in 4 installments, interest-free.



How does it work?
Step 1) Add items to the basket, and choose Clearpay at checkout.
Step 2) Simply follow the instructions and complete your checkout. Clearpay’s proprietary platform makes it quick and easy to get approved and keep shopping.
Step 3) Your purchase will be split into 4 payments, payable every 2 weeks.

The payment platform allows you to purchase in four installments, due every 2 weeks. For example, if you purchased an item for £100, you will pay it in four smaller installments to help spread the cost. At the time of purchase, you will pay £25, two weeks later the next £25, two weeks after that the next £25 and then the final two weeks, the final £25 installment totaling the £100 order.There is no additional cost to use Clearpay so long as you pay on time.

What do I need to apply?
A debit or credit card
To be over 18 years old, terms apply
Be a UK resident

Further details and FAQ's

Clearpay lends you a fixed amount of credit to allow you to pay for your purchase over 4 installments, due every two weeks. To be eligible for credit from Clearpay, you must be a permanent UK resident (excl Channel Islands), aged 18+. Further eligibility criteria and T&Cs apply. Clearpay Finance Ltd.

Make sure you can make your repayments on time by each due date to avoid late fees. Not paying on time will lead to a late fee of £6, and, if your order is more than £24, a further late fee of £6 if it is still overdue after 7 days. If you fail to pay on time, your 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



How do I use Clearpay?
Providing your location & items in your cart meet the requirements set by Clearpay, you can just shop here at James' Home of Tone as normal and checkout as usual. At the checkout, choose Clearpay as your payment method. You will be directed to the Clearpay website to register and provide payment details (visa/mastercard). Once you have received your Instant Approval Decision and it has been accepted, then complete your order.

Can I make additional payments to clear my schedule earlier?
Yes! This is done through your created Clearpay account and they will adjust the final amount where applicable, accordingly. Please see the Clearpay T&Cs for more info on this.

What happens if I can't pay a Clearpay installment?
If funds aren't available at the time the automatic payment is due, you will be charged a £6 late payment fee by Clearpay. An additional £6 fee will be charged if the missed payment is not made within 7 days. Late fees will not exceed 25% of the total order. Please see the Clearpay T&Cs for more info on this.

When will I receive my order?
If you have completed your checkout and have successfully completed the Clearpay application to receiver your Instant Approval Decision, then the goods will be fulfilled as per the standard James' Home of Tone dispatch times which are stated HERE or detailed specifically on the product description for what you have ordered if it is a made to order item for example. If you are at all unsure whether your item is made to order or not, each product description will tell you the products availability and production time. 

How do I return or exchange an order/item purchased using Clearpay?
Clearpay returns follow the normal James' Home of Tone process. Please note however, that refunds for Clearpay will be refunded from James' Home of Tone to Clearpay. As soon as the refund is processed it will drop into your personal Clearpay account. Please see the Clearpay T&Cs for more info on this.

Have more specific questions about using Clearpay as your payment method? Then their website has a comprehensive info and T&Cs page which I would recommend viewing to help further. 

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