Announcing Jotform’s new Clearpay payment option through Square

Announcing Jotform’s new Clearpay payment option through Square

Buying now and paying later isn’t new, from lines of credit in the Bronze Age to credit cards today. But since credit cards appeared in the 1950s, the buy now, pay later business model has remained relatively unchanged.

For many, that formula no longer works, especially as credit card interest rate margins climb to record highs. Not coincidentally, modern buy now, pay later (BNPL) options have removed interest from the equation and enjoyed an increase in popularity.

So it’s the perfect time for Jotform to make an exciting announcement. Clearpay, a leader in the BNPL landscape, is now available for use with Jotform via our Square integration.

Why offer BNPL with Clearpay? Clearpay users shop 50 percent more and spend 40 percent more than other shoppers. Additionally, more than one in four Gen Z shoppers won’t buy at all if BNPL isn’t available, according to PYMNTS.

In fact, 53 percent of BNPL shoppers are Gen Z or millennials, according to NBC News. This article also states that Gen Z shoppers use BNPL services for everyday items like groceries as well as luxury purchases like airfare.

Youtube Embed Poster: bnb9tM1W7uQ

At a glance, here’s how BNPL with Clearpay works:

  • Shoppers use your form to purchase with Clearpay.
  • Shoppers agree to an interest-free payment plan.
  • Shoppers pay the first installment at checkout.
  • The seller receives the full purchase amount at the time of sale.

Upon checking out with Clearpay, shoppers are enrolled in an interest-free six-week payment plan and make their first payment. The remaining installments are spaced evenly apart and are automatically deducted from the shopper’s debit or credit card.

Sellers receive the full purchase amount at the time of the sale. There are no additional processing fees for scheduled payments or if a shopper makes a late payment. Plus, merchants who accept Clearpay see a 58-percent increase in average order values.

Heard enough? Add Clearpay to your form now!

Let’s take a look at how to add this popular BNPL option to your forms, plus top products purchased by Gen Z and millennial shoppers with Clearpay in 2023.

Did you know?

Clearpay is known as Afterpay in Australia, Canada, New Zealand, and the United States. Worldwide, 22 million active shoppers use Afterpay and Clearpay.

How Gen Z and millennials use Clearpay

What do Gen Z and millennials buy with Clearpay? According to a 2024 article on Clearpay and the BNPL industry, the No. 1 industry category for these types of purchases in 2023 was arts, travel, and entertainment.

Top Product Categories Purchased with Clearpay in 2023

Additionally, spending on everyday items with Clearpay surged in 2023. Contact lenses, garbage bags, laptop parts, and more saw triple-digit growth.

How to install Clearpay

To add Clearpay to your payment form, go to the Payments section of the Form Elements menu in the Form Builder. Click on Clearpay. A Product List element will be added to your form, so you can sell products.

If there’s already a Product List element on your form, click the Add Integration icon to the right of the Product List. A popup will display all the payment integrations to choose from, including Clearpay.

Clicking on Add Integration Icon to the Right of the Product List then Clicking on Clearpay

If you’ve already connected a Product List to a payment integration, the Add Integration icon enables you to remove it and replace it with Clearpay.

Clicking on Remove Integration Next to the Product List

What happens if a Clearpay shopper misses a payment?

Clearpay is interest free — but a shopper can be charged late fees for missed payments.

Sellers aren’t impacted when a shopper misses a payment. They receive the full price of goods and services sold at checkout, and they aren’t charged additional fees when a shopper is late with a payment.

Clearpay will prevent a shopper who has missed a payment from buying anything else with Clearpay until their payments are up to date. The shopper’s spending limit may also be decreased.

Clearpay may prohibit shoppers who have outstanding balances for an extended period of time from using the service.

When Clearpay is selected, a menu will open on the right side of the screen. Click Connect via Square to sign into your Square account or create a new account.

Note that the Clearpay payment option doesn’t support subscription or authorization only payments. The amount shoppers can spend on purchases is determined by Clearpay when they sign up for an account.

Clicking on Connect via Square in Clearpay Integration Menu

After you log in with Square, the Connect via Square button will change to Connected via Square (and turn green). Be sure to click the Continue button below to complete the integration setup.

Clicking on Continue after the Clearpay Integration is Connected via Square

Interest rate margins hit all-time high

According to data released in 2024 by the Consumer Financial Protection Bureau, credit card interest rate margins hit an all-time high in 2023. The interest rate margin is the difference between the average APR and the prime rate, a benchmark most banks use to set rates.

From late 2013 to 2023, the average APR on credit cards that charge interest has nearly doubled, from 12.9 percent to 22.8 percent. That’s the highest level since the Federal Reserve began recording this data in 1994.

When shoppers choose Clearpay and submit the form, they will be redirected to Clearpay to complete their purchase.

Selecting Clearpay Under the Payment Methods
Payment Confirmation Window of a Gold Bracelet

The shopper’s payment plan is displayed before they make the purchase, complete with the amount of each payment and the date they will be charged.

Payment Schedule of Clearpay

A record of transactions made with Clearpay will appear in the seller’s Square account. Additionally, submission data is automatically stored in Jotform Tables.

BNPL makes a big impact on Black Friday & Cyber Monday sales

Modern BNPL plans are positively affecting Black Friday and Cyber Monday sales. According to Adobe Analytics, U.S. shoppers used BNPL to make $16.6 billion in purchases in 2023, a 14 percent year over year increase.

PYMNTS reports that U.S. shoppers who used BNPL during checkout spent 48 percent more on Black Friday than shoppers using other methods.

As for Cyber Monday, Adobe Analytics found that consumers used BNPL to buy $940 million in goods while shopping online. This represents a 42.5 percent year over year increase.

Add more checkout options with Square

Jotform users asked for a way to add Clearpay to their forms, and our developers delivered. But we didn’t stop there.

We know that providing multiple checkout options makes it more likely that shoppers will see their preferred way to pay and complete their purchase. Jotform’s Square integration not only provides a way to add Clearpay to your form, it also allows for other payment options including Apple Pay and Google Pay.

To add Clearpay and more to your form via Square, go to the Payments section of the Form Elements menu in the Form Builder. Click on the Square integration to open the integration menu. Click the blue Connect button to log into your Square account or create a new one.

Clicking on Square in the Form Elements, then Clicking on Connect in Square Integration Menu

Once Square and your form are connected, use the Payment Methods section to choose from five popular payment options. In the example below, Clearpay is selected, along with the credit card option, which is selected by default. After selecting the preferred payment methods, click the Continue button to finish setting up the integration.

Selecting Clearpay from the Payment Methods in Square Integration Menu and Clicking on Continue

Each payment method selected during the integration setup will now appear on your form, in addition to the default credit card option. In the example below, three payment options are viewable: credit card, Google Pay, and Clearpay.

Different Payment Methods Including Clearpay Viewed in a Form


Gen Z and millennials use BNPL options like Clearpay more than other generations. The same shoppers often bypass credit cards, largely due to high interest rates — the younger the shopper, the less likely they are to use a conventional credit card, according to PYMNTS.

Providing Clearpay alongside credit cards at checkout can help any business or organization usher a wide array of shoppers through checkout.

With Clearpay, your form will have all of those options and more. For Jotform users who already use Square, it’s time for an update. For those who have yet to integrate Square with Jotform, your timing couldn’t be better. Head to the Form Builder now to add payment options to your form that are ideal for today’s credit landscape.

Luke is a multidisciplinary writer whose expertise encompasses B2B, SaaS and sports. He co-authored Jotform for Beginners Volumes 1 and 2 and covers product tutorials, customer stories, third-party connectivity and more for the Jotform blog. A former associate editor at NorthBay biz magazine, Luke moonlights as a sports writer. His work has been published by USA Today, Yahoo Sports, and others, and he’s covered live sporting events for the Argus-Courier in Sonoma County, Calif. You can reach Luke through his contact form.

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