Clearpay Referral Code — £10 towards a £50 order

What you get

£10 of referral credit, usable against an eligible Clearpay purchase of £50 or more, with the remaining balance split into four interest-free instalments taken every fortnight.

The threshold is the whole story, because it makes this reward behave backwards to most:

Basket	Effective discount
£45	Nothing — under the threshold
£50	20%
£80	12.5%
£150	6.7%
£300	3.3%

Most referral rewards scale with what you spend. This one is worth most on the smallest basket that clears £50. If you have a £50–£60 purchase lined up at a Clearpay retailer, that is the moment to spend it — not a £300 one.

Both sides are paid

The person who invited you receives £10 off their own next eligible £50+ purchase, released once your first Clearpay order completes. Neither side is paid at sign-up alone.

Who Clearpay will accept

• No Clearpay account now, and none in the previous 12 calendar months. A dormant account you opened last year is enough to disqualify you.
• 18 or over, and permanently resident in the UK. The Channel Islands are excluded.
• The code goes in during sign-up, in the app. Clearpay's referral screen states the programme is in-app only, so there is no web route.
• Five referrals per customer — a hard ceiling once you are in.

Payment schedule

The instalments themselves are genuinely interest-free. Pay the four payments on schedule and Clearpay costs nothing. The schedule is straightforward:

Event	Cost
Instalment missed	£6
Still unpaid after 7 days	+£6
Cap, orders under £24	£6
Cap, orders £24+	Lower of £24 or 25% of the order

Clearpay sets these out in its published terms, so the four dates are worth a calendar entry.

About the product

Clearpay states that its credit is not regulated by the Financial Conduct Authority. Buy-now-pay-later in this four-instalment shape has sat outside the FCA's consumer-credit regime in the UK, which means the affordability, disclosure and complaint protections you would expect from a regulated agreement do not apply in the same way.

Clearpay Finance Limited is a real UK company, registered in England and Wales under number 05198026, and the brand is the UK face of the Australian business Afterpay, bought by Block, Inc. in a deal completed in 2022. The company is not in question — the regulatory perimeter simply is where it is, and a page recommending the product should say so.

Against the other pay-later rewards here

	Clearpay	Klarna	Zilch
Joiner receives	£10 credit	£10 to the balance	£5 in Rewards
Condition	One £50+ purchase	Three card purchases of £10+	Finish sign-up and ID checks
Spend needed	£50	£30	None
Referral cap	5	Uncapped	None published

Clearpay pays the most per qualifying basket, Zilch asks the least of you, Klarna sits between the two and produces the most flexible money.

Who it suits

You are	Verdict
About to spend £50–£60 at a Clearpay retailer	Strong — a fifth off a purchase you were making
A disciplined pay-later user	Good — interest-free, and the fees never trigger
Buying something under £50	Save it — the credit waits for a £50 basket
Keen to keep it simple	Diarise the four dates — on time, the instalments cost nothing

Where these figures come from

The £10 reward, the £50 minimum, the definition of a new customer and the age and residency requirements are taken from Clearpay's own Refer Terms. The instalment schedule and the fee table come from Clearpay's published product and fee terms. The five-referral limit and the in-app-only restriction are quoted from Clearpay's in-app referral screen. Clearpay can change these terms without notice; we re-check the link daily and re-read the terms on the verification date above.