Spread the cost over 2–6 months.
No interest. None.

Available on purchases from $50–$1,000.

How it works.

  • 1. Shop

    Shop for the things you want and need, choose Openpay at checkout.

  • 2. Sign up

    Create an Openpay account in a few simple steps.

  • 3. Spread it

    Pay your first instalment today, spread the rest over weekly or fortnightly instalments.

  • 4. Sit back

    Enjoy your purchase right away. Your remaining payments will be taken automatically from your chosen card.

What you need to get started.

  • Your first instalment
  • Be aged 18 years+
  • Mobile number
  • Valid email address
  • Debit or credit card in your name
  • A valid AU photo ID (or NZ if a resident there)

Download the Openpay app today.

Manage your account, balance, payments and plans, in the palm of your hand.

Quick questions.

How do I sign up and start shopping?

Sign up is easy! You can do it on the Openpay app, which you can download from the Apple App Store or the Google Play store, or sign up as you checkout with Openpay online.

Do you really charge no interest?

Our plans are always interest free.

What about fees?

Establishment fees and plan management fees may be applicable – these will be disclosed to you before your plan is finalised, as they vary from merchant to merchant. If a payment is not made by its scheduled date, a late fee of $9.50 will apply. These fees are also outlined in the email sent to you on confirmation of your purchase.

We understand that there are times when you may not be able to make a payment. Please contact Openpay on 1300 168 359 before your payment date to learn about your options to reschedule the payment and avoid late fees.

Learn more here.

How much can I spend with Openpay?

The limit may vary from store to store. It also depends on your financial circumstances. If you’re having trouble placing an order with Openpay, try placing an order for a lower amount.

Can I apply for a higher limit?

If you require more than your available spending limit, you can apply for a higher amount from the Openpay app. From the app homepage, simply tap ‘Get Pre-Approved for more’.

Our team will review the application, and if you have been pre-approved, you will soon receive a confirmation email with the details of your new limit.

Learn more here.

Can I open multiple Openpay plans?

Absolutely! You can open multiple plans for separate purchases, all plans are approved on a case by case basis. When you choose to pay with Openpay you will be told instantly if your plan has been approved.

Openpay is committed to responsible spending and lending, we consider a number of different factors before approving each plan.

Is Openpay safe & secure?

Yes, protecting your information is very important to us. All card data is encrypted and we maintain stringent physical, electronic and procedural safeguards to protect your information.

View the Openpay privacy policy here.

Does Openpay perform a credit check?

Depending on the purchase amount you are making, you may be asked to consent to a credit check. In those instances, your consent will be clearly requested before a credit check is performed and your Openpay plan is created. Please note, this will lodge a credit check which may impact your credit score.

How do I make payments?

We take payments automatically on your scheduled date. If you’d like to pay back earlier, you can do this free of charge via your Openpay account.

Learn more here.

When will my next payment be due?

Our plans are made up of equal weekly or fortnightly instalments. Your first instalment is paid on the day at checkout, where you can then customise your second instalment date (up to 14 days later). All remaining instalments will come out a week or fortnight apart, as chosen by you. If you need to reschedule any payment dates, give us a call to learn about your options.

I missed a payment, what should I do?

No worries. You can manually make a payment on a late instalment via the Openpay app. You can also call us on 1300 168 159, or contact us via live chat to discuss your options.

Learn more here.

What if I want to return my purchase?

Full returns and partial refunds are available. Please return your goods to the merchant they were purchased, in line with the merchant’s returns policy. Once approved, you’ll receive a full or partial refund of any payments you’ve already made to us. All returns are subject to the merchant’s return policy.

Plan lengths vary by location. Openpay is available to approved applicants only.
Visit the Openpay website for more information, FAQs and T&Cs.