Care now.
Pay smarter.

At participating St John of God Health Care hospitals.

St John of God Healthcare

Openpay is a digital payment solution, which allows patients to spread the cost over 2-12 months, for hospital costs up to $10,000.

With greater choice and payment flexibility, you can access the hospital treatment or services you need, without the stress of managing unexpected or large lump sum bills.

Patient benefits.

zero interest
No interest. None

Pay no interest. Plus no hidden fees.

Fast approvals
Fast approvals

On the spot approval for self-funded patients only, means no time wasted.

Flexible payments
Flexible payments

Choose the payment plan length and start date that suits you.

Effortless repayments
Effortless repayments

Access your automated repayment plans in real time via the Openpay app.

An Openpay Plan for a range of treatments.


First payment: 20%
Plan duration: 2 months
Plan management fee: No fee


First payment: 20%
Plan duration: 3-4 months
Plan management fee: $1 per fortnight


First payment: 10%
Plan duration: 6 months
Plan management fee: $3 per fortnight


First payment: 10%
Plan duration: 12 months
Plan management fee: $3 per fortnight

How it works.

Sign up
Sign up

Download the Openpay App & create an account.

Spend limit
Spend limit

Check your available Spending Limit and, if needed, request an increase to cover the amount estimated by the hospital admissions team for your treatment.


Inform the St John of God Health Care hospital admissions team that you will be using Openpay for your treatment before your admission.

Spread it
Spread it

Pay your first instalment today and spread the rest over fortnightly payments.

To use Openpay for your hospital treatment, create an account in the Openpay App and check your available spending limit when you get cost estimates from the hospital.

Download on App Store
Get it on Google Play

If you have further questions please call Openpay on 1300 168 359 or visit

Openpay FAQs

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.

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.

Openpay is available at the above hospitals for patients without private health insurance only (i.e. self-funded patients).

  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

Sign up is easy! Simply download the Openpay app from the Apple App Store or the Google Play store.

Establishment fees and plan management fees may be applicable – these will be disclosed to you before your plan is finalised, please see above for more details.

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.

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.

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.

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.