Who is Openpay?

Openpay is an Australian buy now, pay later service provider. It has the most flexible plans in the market, and focuses on industries where it can make a true difference: Automotive, Health care, Home Improvement, Memberships and Education.

Openpay operates in Australia, New Zealand, UK and entered the US market in December 2020.

Who is St John of God Healthcare?

St John of God Health Care is one of the largest Catholic providers of health care services in Australia. Established in Western Australia in 1895, we are a not-for-profit private health care group and employ more than 14,500 staff across Australia, New Zealand and the wider Asia Pacific region.

We operate 24 facilities comprising more than 3,400 hospital beds in Australia and New Zealand, as well as home nursing, disability services and social outreach programs.

What you need to get started

  1. Your first instalment, which will be 10% or 20% of the cost.
  2. Valid email address
  3. Be 18 years or over
  4. Debit or credit card in your name
  5. Mobile number
  6. A valid Australian photo ID

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 spending limit.

What happens if the costs for my treatment differ from the estimate provided by the hospital?

If your final hospital costs are lower than the estimate provided, a partial refund will be processed against your existing Openpay payment plan. This will either result in your upcoming instalments being equally reduced to match the final total cost or, if you have already paid more than the amount of the final cost, you will receive a refund from Openpay onto your card.

If your final hospital costs are higher than the estimate provided, you will be required to pay any additional costs using one of St John of God Health Care’s usual payment methods i.e. cash or credit card.

Can I pay off my plan early?

Absolutely! You can make early repayments on the Openpay app or via the friendly Openpay Customer Service Team on 1300 168 359. Please note, no early payment penalties apply.