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Oxipay help

Oxypay Own It Now

Oxipay is a flexible online payment solution backed by FlexiGroup New Zealand Limited providing customers with a smarter way to buy what you want now by splitting the payments over four easily managed payments.

Paying has never been easier, simply choose Oxipay at checkout and you're all set!

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 is 25% of the purchase price and is made when you make your purchase. 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 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.

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

Absolutely. Oxipay charges no fees to complete your purchase payments early. If you would like to do this, please contact our friendly Oxipay support team via our Help & Support page or call 0800 189 236.

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.

I haven’t received my purchase?

If you do not receive your order, please contact the retailer. After talking to the retailer and if you’re 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 $1,000.

Is there a minimum purchase?

Oxipay has a minimum purchase of $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.

How can I make a purchase that is more than $1,000, and still pay it off?

We can still help you get what you want now. Oxipay has a limit of $1,000, however we have a range of other products you can use to get those more expensive purchases and pay them off over a longer period. You can check out our products at flexicards.co.nz.

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 ($1,000);
• Whether the total of your instalment payment(s) will exceed $250 per fortnight; and
• The maximum amount of all Oxipay arrangements 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 have I been declined?

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

• You do not live in New Zealand
• You are not 18 years or older
• 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

If you have any further questions about how Oxipay can work for you, get in touch with their friendly support team.

Although we make reasonable efforts to update the Oxipay information on our Website, we make no representations, warranties or guarantees, whether express or implied, that this content on our Website is accurate, complete or up-to-date. We also do not warrant or represent that the information regarding Oxipay available through the Website will meet your particular requirements or needs. We therefore suggest visiting www.oxipay.co.nz or clicking the below button for the most accurate and up-to-date information.

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