Shop in-store and online and pay over four interest-free instalments. No monthly or transaction fees and no penalties for extra-repayments.

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Oxipay offers an interest-free buy now, pay later service with no additional fees attached. Repayments are staggered across four fortnightly instalments, with a $15 late payment fee if you don’t make payments on time. Signing up takes a minute and it’s easy to keep track of your repayments via the Oxipay portal. Oxipay has been approved by Visa and Mastercard and is encrypted.

Important information

Oxipay has been replaced with a new product, Humm.

How does Oxipay work?

Oxipay is a way of paying for goods online. You shop with its approved vendors, start an account with Oxipay and then pay for your purchases in four instalments. The payments come out of your account fortnightly so you have two months to pay off your purchases.

Once you've opened an account with Oxipay and have been approved, you can shop with its vendors in store and online and find what you want with ease. After you make an Oxipay account, you just need to checkout with Oxipay and it will spread the cost of your purchase over the four fortnightly instalments. These will come out of your nominated bank account.

It's important that, when checking out online, you select the option to pay the same day with Oxipay. If you decide to use your Oxipay in-store with one of its vendors, just mention at the checkout that you are using Oxipay for this transaction so that the cost of the item purchased will be spread out over the instalments.

Features of shopping with Oxipay

  • Interest-free payments. Oxipay offers interest-free payments across four fortnightly instalments, giving you a way to spread the cost of a purchase over an extended period without paying the interest that tends to come with other purchase methods, such as a credit card.
  • Fortnightly instalments. Oxipay schedules your payments fortnightly allowing you to budget.
  • Signup is fast. Signing up for Oxipay only takes a minute online.
  • Access to a variety of online and in-store vendors. Oxipay has partnerships with a range of brands online and in store.
  • No monthly or transaction fees. Oxipay won't charge you account-keeping fees but you may be charged late fees if you fail to make your repayments on time.
  • You can make additional repayments. If you want to pay off your purchase quicker, Oxipay allows users to make additional repayments at no extra cost.
  • Access the Oxipay portal to see how much you owe. Forgotten how many purchases you've made with Oxipay and wondering how much is left to pay off? Oxipay offers an online portal so you can see how much is left on the amount you owe. Through this portal, you can also make additional repayments which will help you pay off your purchases faster.
  • Credit details are secure. Oxipay has been approved by Visa and Mastercard and has invested in the latest credit card technologies in order to keep your details safe.

How much will this cost?

Oxipay offers no monthly or transaction fees with its accounts. There is also no interest charged on an Oxipay account, no annual fee and no account management fee. The payments that are deducted out of your nominated bank account are interest-free.

However, there is a late payment fee of $15 if Oxipay tries to deduct repayments from your account and it's not available. There is an additional collection fee of $30 if Oxipay has to take steps to initiate collections.

How to sign up with Oxipay

Signing up with Oxipay will take less than a minute. All you need is:

  • To be over 18 years of age
  • To reside in Australia
  • To be capable of entering a legally binding agreement
  • Have a valid email address
  • Have a valid phone number
  • Have an Australian credit card

Once you're sure you meet all of the criteria you can sign up online. It's important you have a valid email address and phone number as these are what get you into Oxipay's online portal. This is where you see how much you owe on your remaining purchases.

The buy now pay later sector is currently under an ASIC review. Find out more about this review.

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6 Responses

    Default Gravatar
    DonFebruary 7, 2019

    Which payment provider offers the lowest cost to the retailer?

      Avatarfinder Customer Care
      JeniFebruary 11, 2019Staff

      Hi Don,

      Thank you for getting in touch with Finder.

      Currently, we do have a page where you may compare interest-free finance providers with the lowest cost to their retailers. Please note that providers basically discuss this matter with their retailers confidentially.

      I hope this helps.

      Thank you and have a wonderful day!


    Default Gravatar
    DamienDecember 11, 2018

    Why am I recieving oxipay verification codes when I’ve never heard of the process before recieving these verification codes??

      Avatarfinder Customer Care
      JoyceDecember 14, 2018Staff

      Hi Damien,

      Thanks for leaving a question.You are receiving verification codes for purposes of signing and verifying requests, to secure user data and authenticate users.

      Hope this helps.



    Default Gravatar
    JaneMay 1, 2018

    I made a purchase yesterday on oxipay but it all came out of my savings account ??? Hep

      Default Gravatar
      NikkiMay 1, 2018

      Hi Jane!

      Thanks for your message and for visiting finder – the leading comparison website & general information service built to give you advice in your buying decision needs. How are you doing today?

      Sorry to hear what happened to your savings account. As much as we would like to help out, please note that we’re a product comparison website and we hold no affiliation with any company we feature on our site. We provide general information on products to assist you in your buying decision process hence we cannot recommend product / service that is rightfully fit for you.

      We suggest to call your bank to check what happened to the money in your account as soon as possible. Hope you find an immediate resolve to this.

      Best Regards,

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