Payment Options

Finance Information

At Ruby, we understand that managing your finances effectively is key to a stress-free shopping experience. That's why we're dedicated to offering simple, transparent, and flexible payment options through Klarna and Clearpay - two of the most trusted names in buy-now, pay-later services.

Why Choose Klarna or Clearpay?

Shopping should be enjoyable, not stressful. With Klarna and Clearpay, you can take control of your spending by spreading out the cost of your purchases over time, without the hassle of upfront payments. Here's how we make it easy for you:

Split Payments with Klarna: Enjoy your purchases now and pay later in easy, interest-free instalments. Klarna offers a variety of payment plans, so you can choose the one that suits your budget best.

Clearpay Simplicity: Break down your purchase into four equal payments, made every two weeks. No interest, no hidden fees—just a straightforward way to manage your spending.

How It Works

1. Shop Your Favourites: Browse our extensive collection of products and add your favourites to your cart.

2. Choose Your Payment Option: At checkout, select either Klarna or Clearpay as your payment method.

3. Enjoy Now, Pay Later: Complete your purchase with confidence. Your order will be processed immediately, and you can enjoy your items right away while spreading the cost over time.

The Benefits of Flexible Financing

No interest or hidden fees
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With Klarna and Clearpay, you’ll never pay more than what you see upfront — no surprises, no extra costs.
Instant approval process
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Get approved instantly at checkout, with no long forms or waiting periods.
Enhanced financial control
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Manage your payments easily through the Klarna or Clearpay app, where you can track your spending and set reminders.

What Happens If You Miss a Payment?

We understand that life happens, and you may miss a payment. Here's what you need to know:

Klarna

If you miss a payment, Klarna will try to collect the missed amount a few days later. If the payment is still unsuccessful, a late fee may apply.
Klarna will notify you before attempting to collect the payment again, giving you a chance to update your payment details or ensure sufficient funds.
It’s important to manage your payments, as missing multiple payments could impact your ability to use Klarna in the future.

ClearPay

Clearpay allows a grace period before charging a late fee, which is usually a small percentage of the order total.
If you miss a payment, Clearpay will automatically reschedule the payment and notify you. They may also restrict your ability to make new purchases until the overdue amount is paid.
Repeated missed payments could affect your Clearpay account status and limit your access to their services.