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Frequently Asked Questions

What is Oxipay?

Oxipay lets you spread the cost of your purchases over 4 fortnightly payments, making buying what you want that much easier.

Who can use Oxipay?

You can access Oxipay if you:

  • Live in New Zealand
  • Are at least 18 years old
  • Have a valid and verifiable email address and a New Zealand mobile number
  • Have a New Zealand Mastercard or Visa credit or debit card
  • Have a New Zealand residential and shipping address
  • Have a New Zealand drivers licence

How do I use Oxipay?

Oxipay can be used at any Oxipay retailer. Simply select Oxipay as your payment method during the checkout process.

What does it cost to use Oxipay?

Nothing, as long as each of your payments reaches us by the due date.

What are the fees for late payment?

If your payments don’t reach us by the due date, we will charge you a late payment fee of $10. A $30 collection fee may also be applied if any payment is still outstanding more than 7 days after your due date.

When are my payments processed?

Your first payment will be 25% of the purchase price for any purchase under $1,000. The first payment is charged at the time of the purchase. If you purchase something over $1,000 (up to a maximum of $1,500) your first payment will be $250 plus the amount over $1,000. Each subsequent instalment is charged every fortnight after the purchase date.
For example:
Purchase Price

  • $500.00

Oxipay Payment Schedule

  • Instalment 1 - $125 due on 1 June (today)
  • Instalment 2 - $125 due on 15 June
  • Instalment 3 - $125 due on 29 June
  • Instalment 4 - $125 due on 13 July

What happens if I cannot make a payment?

Our friendly Oxipay support team are available to help if you have any questions about your payments. You can reach us via our Help & Support page or call 0800 189 236.

If we do not receive your payment by the due date, you will be charged a $10 late payment fee. If the payment is still outstanding after 7 days past the due date, your account may be passed onto our collections team and an additional $30 fee may be applied.

Can I make additional payments or pay off my purchase earlier?

Absolutely. Oxipay charges no fees to make payments early.  If you would like to do this, please log into your account and select ‘Pay Now’.

What if I want to return the goods I have purchased?

Simply return your purchase as usual by contacting the retailer and they will handle returns in line with their policy. If a return is accepted, we will refund you the amount agreed with the retailer and adjust or cancel any future payments. We’ll do this as soon as we can, but the process can take time.

Who do I contact about refunds?

You’ll need to contact the retailer you made the purchase from. If a refund is required in accordance with the retailer’s policy or by law and we are told by the retailer to do so, we’ll refund you the amount agreed with the retailer and adjust or cancel any future payments, if necessary. If you have problems after contacting the retailer, contact us via our Help & Support page or call us on 0800 189 236.

Who can I contact if I haven’t received my purchase by the expected delivery date?

If you do not receive your order, please contact the retailer. If you have spoken with the retailer and are still experiencing problems, get in touch via our Help & Support page or by calling our support team on 0800 189 236.

How do I close my Oxipay account?

You can close your Oxipay account by contacting us via our Help & Support page or calling our support team on 0800 189 236. Please note, all outstanding amounts will need to be paid in full before you can close your account.

What cards does Oxipay take?

We accept any Mastercard or Visa credit or debit card that have been issued in New Zealand for Oxipay payments. Currently, we do not accept any prepaid cards or any credit or debit cards that have been issued outside of New Zealand.

Is there a maximum purchase?

A single Oxipay purchase can be up to $1,500.

Is there a minimum purchase?

Oxipay has a minimum purchase of $20. However, merchants may set their own minimum purchase amount above $20.

What is the maximum amount of Oxipay arrangements I can have with you?

The total sum of all your Oxipay arrangements can’t exceed $1,000 at any one time, and you can’t have more than 5 active purchases.

What do I do if my card has been lost or stolen?

Follow your bank’s lost or stolen process and contact us on 0800 189 236 as soon as possible so we are able to change the card details that your payments are associated with. This will also help avoid any late payment fees incurred due to a failed or late payment.

Can I add / remove a card I would like my instalments paid from / to?

Yes, you can change the card your payments are associated with. Simply contact us on 0800 189 236 to talk our support team to update your payment details.

Can I change my payment date?

Sorry, we cannot change your payment due date(s).

Can I change my purchase amount?

Sorry, we cannot change your purchase amount.

Can anyone use Oxipay?

You must be over 18 years old, have a valid email address and a valid New Zealand mobile number with a Mastercard or Visa credit or debit card issued in New Zealand.

I have tried to make a purchase but the transaction has declined. Why?

When we are approving a new purchase, we do a few checks for you to determine if:

  • the purchase is within the maximum purchase limit ($1,500);
  • whether the total of your instalment payment(s) will exceed $250 per fortnight; and
  • the maximum amount of all Oxipay balances owing you currently have with us is not more than $1,000.

These checks are in place to ensure your repayments are easy to manage and friendly on your wallet.

Other reasons why your transaction could decline could be due to general system or website errors, or you have not registered for Oxipay.

Why aren’t I eligible to use Oxipay?

There are several reasons why you could be declined for Oxipay:

  • you are not a permanent resident of New Zealand
  • you are under the age of 18
  • you do not have a New Zealand mobile number
  • you are not using a Mastercard or Visa credit or debit card that has been issued in New Zealand
  • we have not been able to verify your identity