Openpay is a buy now pay later option that let’s you pay smarter by spreading the cost of big buys.
We’re not a credit card provider, bank or loan company. And we’re not here to get you into debt.
We let you get what you need today, and pay for it over time, helping to give you better control of your cash flow.
We’re in the business of offering you a smarter way to pay.
You can sign up in less than 90 seconds with a few details and quick checks. Once approved, you can pay off your purchases in equal, easy to manage monthly instalments with no hidden fees and no interest, ever.
Our sign-up process asks for a few things to qualify your application.
You’ll need to be at least 18 years old and be a United Kingdom resident with a valid government issued photo ID.
We’ll also ask for your email and home address, the Visa or MasterCard you want payments to be taken from, and a phone number.
If you make your payments on time there are no fees, ever!
What happens if I don’t make my payments?
If you miss a payment, you are charged a £7.50 late payment fee. If the payment is late for more than 10 days a second fee may be applied. Those late fees are capped at a total of £15 per plan.
We don’t charge late fees to catch you out or make money from missed payments. We’d rather not take them and would much prefer that you contact us when a repayment’s missed or you know you’ll struggle to make it so that we can try to assist.
Openpay’s available Online in the UK. Simply visit one of our merchant partners’ websites and select Openpay at checkout. You’ll be redirected to Openpay to set up your account and pick your payment plan.
You can then use the Openpay App (available on iOS and Android) or the Customer Portal to view and manage your payments as well as update your payment information
At Openpay our monthly repayment plans vary by merchant, with some offering longer plan lengths than others. The purchase amount you can use Openpay for also varies by merchant, so be sure to check their website for exact details. We do this to make sure our plans are suited to the retailer and offer the flexibility you need.
Regardless of the Openpay plan length you pick, you’re always able to choose when your repayments start and also make early repayments at no additional cost.
When you create a new plan, you’ll be asked to make the first payment at checkout. Our plans spread the cost of your purchases into equal monthly payments, so your first payment will be the same as the payments you’ll make over the length of your plan.
You can then select the date you want your repayments to start. Payments will then be automatically collected monthly from that date.
You can use a Visa or MasterCard, credit or debit card. And it must be in the Openpay account holder’s name.
We’re unable to accept any prepaid cards or cards belonging to anyone other than yourself.
Our payments are not taken by direct debit so having an up-to-date card on your Openpay account is important for repayments to be taken automatically when they’re due. If you get a new card for whatever reason please update this on your account as soon as possible.
Please take care when entering your card details, all details must match exactly what is on the card, including the name on the card.
No interest. No nasty surprises.
Just a simple way to pay smarter.
With Openpay your plans are always interest free (we charge our merchant partner, not you) and we only ever charge fees if you miss a payment. Late payment fees are £7.50 per missed payment (capped at £15 per plan).
We pride ourselves on acting responsibly. So, if you’re new to Openpay, we will perform a credit check.
Yes. Protecting your information is very important to us and we are proud to be a Level 1 PCI DSS Compliant Provider. All sensitive information is encrypted and we maintain stringent physical, electronic and procedural safeguards to protect your information.