Don’t just pay later. Pay smarter.

Our simple, safe payment solution is the smarter choice for you and your customers.


Spread the cost with flexible payment options.

Opypay allows consumers to spread the cost of the things they want and need over time, with no hidden fees.

  • Flexible installment plans with longer lengths and higher limits
  • Transparent fee structure and a responsible approach to lending
  • Available across health, automotive, home improvement, retail and more

No payment risk. Lots of reward.


Fair & transparent pricing.

We offer fair rates to our partners, because when they win, we win.

Get paid upfront.

We take on the risk and you get paid upfront, while your customers spread the cost.

Increase ATV & conversion.

Take the fear out of big buys by letting customers manage their cashflow more effectively.

Reduce returns.

Customers make their first payment upfront, reducing post purchase regret and returns.

Gain new customers.

Reach new audiences through our extensive marketing channels.

Increase brand loyalty.

Flexible payment options give customers something to come back for.

Consumer benefits

Why consumers choose OpyPay.

70% of US cardholders say installments alleviate the stress of making large purchases.* But not all BNPL providers are equal. OpyPay offers consumers a smarter solution.

  • Flexible plans with longer to pay when you need it most
  • Simple, transparent terms and fees
  • Responsible lending with careful application assessment, monitoring and support

    *BofA Global Research 10 November 2020
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Where can I use OpyPay?

OpyPay can be used for more than you think.

OpyPay supports consumers across all areas of their life, whether its moving into their first home, getting their teeth fixed, treatment for a sick pet or unexpected car repairs.

OpyPay is used by finance-savvy consumers as a cashflow management tool, ensuring they can responsibly budget to get the things they want and need.

Ongoing Support.

Trust in OpyPay.

OpyPay (or Openpay as we are known in Australasia and Europe) is trusted by merchants and consumers across three continents for our transparent and responsible approach to lending and our differentiated solutions.

  • Rated excellent by our customers
  • Australia’s leading BNPL provider in Auto and Healthcare
  • Deloitte Fast 50 2020 award winner

What our clients say…

Vet treatment can be very expensive for most people, and can sometimes be very unexpected as well. It is great to be able to offer this service to our clients.

We have fewer clients in debt with us, and the account gets paid straight away, so we can afford more services as we are not carrying a whole lot of debt.

Receptionist – Montrose Veterinary Clinic

What our clients say…

“Openpay is an important partner of both the AP Eagers and AHG businesses. Openpay is offered throughout the majority of our passenger vehicle dealerships, and we view this as a powerful customer retention and upselling tool.”

Wade Herman – Head of Operations – AP Eagers & AHG

What our clients say…

“In the four months since the integration was turned on, we have so far completed 107 plans, to a value of AU$46,249 – business which we could have otherwise lost.”

Abby Richards – Practice Manager – Greenhills Vet Hospital

Partner success stories.

  • Dental One

    Dental One

    Openpay creates more ease and accessibility of dental treatments at Dental One.

    Read case study
  • Montrose Vet Clinic

    Montrose Vet Clinic

    Introduction of Openpay helps pet owners access veterinary care.

    Read case study
  • KC Sofas

    KC Sofas

    KC Sofas attracts new customers with the comfort of flexible payments.

    Read case study

Effortless Integrations

We integrate with leading eCommerce platforms and software systems, so getting set up is easy.

  • Effortless Integration
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