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Certegy Ezi-Pay interest-free payments

With an Ezi-Pay revolving credit account spend zero interest on purchases made and it stays active for up to 24 months.

Updated

Certegy Ezi-Pay payment plans allow you to make purchases by paying an initial deposit and then repaying the balance in fortnightly installments. Besides fees for managing the account, you pay zero interest and you can use the account for a maximum of 24 months.

If you’d prefer to apply for credit before you shop, online pre-approval is available for up to $5,000 and valid for a period of 60 days. Certegy Ezi-Pay is available at thousands of businesses and merchants across Australia.

Must read:

Certegy Ezi-Pay is now Humm. You can read our review of Humm here.

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How does Ezi-Pay work?

Certegy Ezi-Pay offers shoppers payment plans that work like revolving credit accounts. You can either apply when you’re shopping or get pre-approval online, following which you pay an initial deposit for your purchase and then pay off the rest of the amount in instalments.

Your credit increases as you pay off the purchase and you can use the revolving credit for up to 24 months. You can make multiple purchases with your credit, but you’ll be charged a fee of $22 for every additional purchase. If you apply for pre-approval, you must use the credit within 60 days to avoid having to reapply.

Consumer accounts are managed online and through the Ezi-Pay smartphone app. If you’d like to settle your balance early or close your account, you can do so without being charged a penalty fee.

Features of shopping with Ezi-Pay

If you’d like to use an Ezi-Pay payment plan, here are some of its main features.

  • Zero interest. Customers pay no interest for the duration of the repayment period.
  • Additional purchases. After you’ve made your first purchase and deposit, you can carry on shopping with your available credit. Note: a fee of $22 applies for additional purchases.
  • Wide network. Ezi-Pay is accepted by a wide network of businesses and merchants. Click on “Search for stores” to find shops that use Ezi-Pay.
  • Online pre-approval. You can apply for pre-approval online before you go shopping. Pre-approval is available for up to $5,000 for a period of 60 days. If you don’t use the credit within those 60 days, you’ll have to reapply for another account.
  • Accessibility. You can manage your Ezi-Pay account online or with the smartphone app. All fees and purchases can be viewed through your personal account.
  • Pensioners welcome. Ezi-Pay accounts are available to Aged and Veteran pensioners with valid pension cards.

How much will it cost?

While you won’t pay interest on your repayments, the following fees still apply:

  • Establishment fee. You will be charged an establishment of between $35 and $90 for setting up your account. You pay this fee off over the repayment period.
  • Fees for additional purchases. While you can use your credit for more than one purchase, you will be charged a fee of $22 for each additional purchases.
  • Monthly fee. A monthly account-keeping fee of $3.50 will be debited from your account as long as it stays open.
  • Payment fee. A processing fee of $2.95 is charged with each payment.
  • Late payment fees. Certain charges and fees are levied for late payments or if Certegy Ezi-Pay takes action against you to recover payments.

How to sign up with Certegy Ezi-Pay

If you’d like to apply for an Ezi-Pay payment plan, you can do it while you shop. If you’d like pre-approval before you begin shopping, click through to the site here and follow the instructions.

The following eligibility criteria apply:

  • You must be at least 18 years old
  • You must be a permanent Australian resident
  • You must be employed for at least 30 hours a week or have a valid pension card

You’ll need to have the following handy when applying:

  • Proof of identification, like a driver’s licence or pension card
  • Proof of employment
  • Details about your assets and liabilities

Have more questions about Certegy Ezi-Pay?

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14 Responses

  1. Default Gravatar
    ChrisSeptember 26, 2019

    Does Certegy do personal loans? I’m an existing client.

    • Avatarfinder Customer Care
      JeniSeptember 28, 2019Staff

      Hi Chris,

      Thank you for getting in touch with Finder.

      No. As of this writing Certegy Ezi-Pay which is now humm, is a Buy-Now-Pay-Later service that does not offer loans.

      I hope this helps.

      Thank you and have a wonderful day!

      Cheers,
      Jeni

  2. Default Gravatar
    FrancineSeptember 2, 2019

    Hi

    Do you offer small car loans?

    • Default Gravatar
      NikkiSeptember 3, 2019

      Hi Francine,

      Thanks for getting in touch! Certegi Ezi-Pay Interest-Free payments don’t offer small car loans. If you are looking for small car loans, you can check this page. You will find a table that compares the features and benefits of each car loan provider such as minimum loan rate, interest, loan term, fees. You can find an estimated amount of your monthly repayment when you use the calculator on top of the table. This way it will be easier for you to see which provider fits you best. Click the GO TO SITE button to be redirected to the official website of the provider to get a quote or start your application. If you need further help, a quick guide on how to compare car loans is also stated on the page.

      As a friendly reminder, carefully review the eligibility criteria of the loan before applying to increase your chances of approval. Read up on the terms and conditions and product disclosure statement and contact the bank should you need any clarifications about the policy.

      Hope this helps and feel free to reach back out for further assistance.

      Best,
      Nikki

  3. Default Gravatar
    michelleAugust 1, 2019

    i had an account with certegy many years ago i would like to know if i could get approved again online.

    • Avatarfinder Customer Care
      FayeAugust 2, 2019Staff

      Hi Michelle,

      Thanks for contacting Finder.

      If you’d like to reapply for an Ezi-Pay payment plan you must still meet the following eligibility criteria:

      You must be at least 18 years old
      You must be a permanent Australian resident
      You must be employed for at least 30 hours a week or have a valid pension card

      You’ll need to have the following handy when applying:

      Proof of identification, like a driver’s licence or pension card
      Proof of employment
      Details about your assets and liabilities

      You can also contact them if you have specific questions. Please ensure your review the T&C and PDS when comparing your options before making a decision on whether it is right for you.

      Kind Regards,
      Faye

  4. Default Gravatar
    JemmaJune 28, 2019

    I just want to k me what happens if one single payment defaults

    • Default Gravatar
      NikkiJune 29, 2019

      Hi Jemma,

      Thanks for getting in touch!

      For Certegy Ezi-Pay, certain charges and fees are levied for late payments or missed payments. Note that Certegy Ezi-Pay takes action against you to recover payments.

      Hope this helps! For any further questions, feel free to reach out to us again, we’re here to help.

      Best,
      Nikki

  5. Default Gravatar
    HelenMarch 21, 2019

    Can you pay Ezi-Pay off earlier? Is there a fee to pay out earlier?

    • Avatarfinder Customer Care
      JoshuaMarch 21, 2019Staff

      Hi Helen,

      Thanks for getting in touch with Finder. I hope all is well with you. 😃

      Yes, you can pay your Ezi-Pay balance earlier and there’s no fee to pay.

      I hope this helps. Should you have further questions, please don’t hesitate to reach us out again.

      Have a wonderful day!

      Cheers,
      Joshua

  6. Default Gravatar
    LatoyaJuly 20, 2018

    I am under a lot of financial stress atm and is hoping to arrange a much affordable payment plan other than what I am currently paying is this possible and how do I go about it?

    • Default Gravatar
      NikkiJuly 20, 2018

      Hi Latoya!

      Thanks for getting in touch with finder.

      Sorry to hear about your situation at the moment. Using Ezi-Pay, you only need to place an initial deposit to a store and the remaining balance will be paid every fortnightly at 0% interest for a maximum of 24 months. To know if your pre-approved, apply online or directly at the store when you shop.

      While you pay 0% on your purchase, there are fees involved to use Ezi-Pay as stated above. Please take note of the documentation and eligibility criteria as well.

      Hope this helps!

      Nikki

  7. Default Gravatar
    DavidJuly 19, 2018

    How can I do the repayment by cash? Where?

    • Default Gravatar
      JoelJuly 19, 2018

      Hi David,

      Thanks for leaving a question on finder.

      There is no option to pay by cash to Certegy Ezi-Pay. This is a continuing credit payment plan that lets you purchase goods or services today, by paying an initial deposit, with the remaining balance being conveniently direct debited fortnightly. There is a simple application and best of all there is No Interest Ever. Please note that you will be charged an establishment fee of between $35 and $90 for setting up your account. You pay this fee off over the repayment period.

      Cheers,
      Joel

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