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 easily through our app. We’ll run a quick ID check to verify your details.


Make a purchase with any of our partners, online or instore, 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?
To sign up and 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).
Signing up is easy. Just download the Openpay app from the Apple App Store or the Google Play Store.
Yes, whatever the type of Openpay plan you choose, it will always be interest free.
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. View plans and pricing on our fee structure page.

Yes, protecting your information is very important to us. All sensitive information is encrypted and we maintain stringent physical, electronic and procedural safeguards to protect your information. View our privacy policy here.

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.