Paying smarter couldn’t be easier.

Pick a plan. Spread the cost. It’s that easy.

Spread the cost. No interest. None.

Openpay lets you spread the cost of the things you want and need over time, with no hidden fees.

  • Longer plans lengths to make larger purchases more manageable.
  • No hidden fees and no interest.
  • Available across retail, health, automotive, home improvement and more.

Here’s how it works

Sign up.

Sign up online or via our app. We’ll run a quick ID check to verify your details.


Make a purchase with any of our partners, online or in-store, and choose Openpay at checkout.

Spread it.

Pick your plan and pay your first instalment today. The rest is spread over weekly or fortnightly payments.

Quick questions

What do I need to use Openpay? How do I sign up?
Signing up is easy – you can sign up online or download our app. To get started, you’ll need to:
  • Be 18 years or older
  • Provide a valid email address and mobile number
  • Provide a valid Australian payment card (both credit and debit cards are acceptable)
  • Provide a valid Australian ID (or New Zealand ID if a resident there)
Buy Now Pay Later (BNPL) is an easy form of payment that allows you to pay for what you want and what you need without the interest. BNPL is accepted at a wide range of stores and service providers, in-store and online, all over Australia. Find out more about BNPL.
Buy Now Pay Later (BNPL) is an easy form of payment that allows you to pay for what you want and what you need without the interest. With Openpay, you can take home the goods or get the service today, then spread the cost of your purchases over time on a plan that suits you.   Openpay offers longer plan lengths to make larger purchases more manageable, with no hidden fees and no interest. Whatever the type of Openpay plan you choose, it will always be interest-free. Find out more about how Openpay works.
If you miss a payment, you may be charged a late fee. Full details will be in your plan welcome email. Some plans may also include a management fee. You’ll be told upfront if this applies to your plan. Find out more about our fee structure.

Yes, protecting your information is very important to us. We’re proud to be a Level 1 Payment Card Industry Data Security Standard (PCI DSS) Compliant Provider, which is the highest and most stringent level of compliance pertaining to card data protection 

All sensitive information is encrypted, and we maintain stringent physical, electronic and procedural safeguards to protect it. Find out more about how we store your personal information in our privacy policy.

We take great care to keep our systems secure. We encourage security researchers to responsibly identify and disclose any vulnerabilities to us as soon as possible via Find out more about our vulnerability disclosure policy.

Can’t find what you’re looking for?

Our Help & Support centre is here to help you whether you want to know how it works, have a question about your plan or a problem you need our help to resolve.

Don’t just take our word for it.

Keep track in the app

Easily manage your plans and track your upcoming payments with the Openpay app.

Scan the QR code with your phone
to get the app.

“The best buy now pay later service available. The custom plans make it so flexible and convenient.”


Need a helping hand?

Purchases. Payments. Plans. Whatever you’ve got a question about, we’re here to help. Check out our Help Centre for handy articles or to get in touch with our Customer Service Team.