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Flexible Payment Plans


What is Oxipay?

Oxipay lets you spread the cost of your purchases over 4 fortnightly, or 8 weekly 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?

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 Oxipay by the due date.

What are the fees for late payment?

If your payments don’t reach Oxipay by the due date, they 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 fortnightly payments processed?

Your first payment is made when you make your purchase and will be 25% of the purchase price for any purchase under $1,000. 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

When are my weekly payments processed?

Your first payment will be 12.5% 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 $125 plus the amount over $1,000. Each subsequent instalment is charged every week after the purchase date.
For example:
Purchase Price

  • $500.00

Oxipay Payment Schedule

  • Instalment 1 - $62.50 due on 1 July (today)
  • Instalment 2 - $62.50 due on 8 July
  • Instalment 3 - $62.50 due on 15 July
  • Instalment 4 - $62.50 due on 22 July
  • Instalment 5 - $62.50 due on 29 July
  • Instalment 6 - $62.50 due on 5 August
  • Instalment 7 - $62.50 due on 12 August
  • Instalment 8 - $62.50 due on 19 August

When is the weekly payment option not available for use?

When your purchase is under $40 or in-store, or at selected retailers in store where fortnightly payments will automatically be the default. If you would like to set weekly payments as your default option, please log into your Oxipay account and select ‘Weekly’ as your default payment preference.

What happens if I cannot make a payment?

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

If your payments don’t reach Oxipay by the due date, they 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 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 Vivo and they will handle returns in line with our policy. If a return is accepted, Oxipay 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 Vivo. If a refund is required in accordance with the our policy or by law, we’ll refund you the amount agreed with and adjust or cancel any future payments, if necessary. 

I haven’t received my purchase?

If you do not receive your online order, please contact Vivo on

How do I close my Oxipay account?

You can close your Oxipay account by contacting Oxipay via their Help & Support page or calling the 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?

Oxipay accept any Mastercard or Visa credit or debit card that have been issued in New Zealand for Oxipay payments. Currently, Oxipay 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. 

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 Oxipay 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 Oxipay on 0800 189 236 to talk our support team to update your payment details.

Can I change my payment date?

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

Can I change my purchase amount?

Sorry, Oxipay 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 Oxipay approve a new purchase they 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 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

Contact Oxipay if you'd like to discuss on 0800 189 236.



What is Afterpay?

Afterpay offers simple instalment plans for online shoppers, allowing a purchase to be paid for in four instalments, due every 2 weeks.

Simply shop with one of your favourite stores found in the Shop Directory and choose Afterpay as your payment method at checkout. First-time shoppers provide payment details as usual, returning shoppers simply log in to make their purchase. It’s that easy!

After you check out, the goods will be shipped to you. At any time, you can log in to your Afterpay account to see your payment schedule and make a payment before the due date. Otherwise we will automatically take the money from your debit or credit card every 2 weeks.

Please Note:

Afterpay does not approve 100% of orders. Afterpay are committed to ensuring we support responsible spending.

When determining which orders to approve, Afterpay considers a number of different factors. As an example, the longer you have been a shopper with Afterpay and the more orders you have successfully repaid, the more likely you will be able to spend more.

Who can use Afterpay?

Afterpay is available to people who:

  • Live in New Zealand;
  • Are at least 18 years old;
  • Are capable of entering into a legally binding contract;
  • Have a valid and verifiable email address and mobile number; and
  • Use a New Zealand credit or debit card to make the purchase.

You do not need to register prior to making your first Afterpay purchase. 

When you are making a purchase with one of our favourite stores found in the Shop Directory, simply choose Afterpay as your payment method at checkout. If it’s your first time using Afterpay, you will provide payment details as usual to complete your purchase. 

Once your first order is approved, your Afterpay account is created. All you need to do is visit to set up a password, and you will be able to make more purchases using Afterpay by simply entering your log in details upon checkout.

Make shopping even easier by downloading our APP - now available at APP store and Google Play.

How do I use Afterpay?

Simply select Afterpay as your payment method during the checkout process.

What does it cost to use Afterpay?

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

What are the fees for late payment?

You can make repayments to Afterpay any time BEFORE the due date. Otherwise, Afterpay will automatically try process payments on the scheduled dates from your card. If a payment is not processed on or before the due date, late fees will apply – initial $10 late fee, and a further $7 if the payment remains unpaid 7 days after the due date.

For each order below $40, a maximum of one $10 late fee may be applied per order. For each order of $40 or above, the total of the late fees that may be applied are capped at 25% of the original order value or $68, whichever is less. See Schedule 1.

If you won’t be able to pay us on time, please contact us as soon as possible.

When will my first payment be taken?

In New Zealand - you will more than likely pay the first instalment of the purchase price at the time you place the order.  If you have been shopping with Afterpay for some time, and have a really good repayment history.  You may find that we defer taking the first payment until 2 weeks after you make your purchase.

In all cases you will be notified on screen if the first payment is due there and then or if it will be deferred by 2 weeks.

First payment higher than the other three?

For some purchases, if your total order amount exceeds your Afterpay-approved spending limit  The first payment may be higher than subsequent payments. Afterpay will show you how the instalments are split before you pay.

Is Afterpay safe and secure?

Yes, Afterpay understand how important security is so we ensure that your personal information is protected. Afterpay is a PCI DSS Level 1 certified compliant Service Provider organisation. PCI DSS is a comprehensive set of requirements created by the Payment Card Industry Security Standards Council to enhance cardholder data security and to ensure the safe handling and storage of sensitive credit card information and data. 

This is the highest level of security in the payment industry. 

More Questions?

Check out the FAQ section on the afterpay website.



This document sets out the terms on which a natural person (you or your) may use the Service provided by Latitude Innovation Holdings Limited, trading as Genoapay (Genoapay), which enables customers to pay for goods or services purchased from one of Genoapay’s authorised Merchants through Genoapay advancing a loan to the Customer, which the Customer repays in 10 or less equal instalments, without interest.

By registering to use the Service, you acknowledge and agree to be bound by these terms as between you and Genoapay.


  • These terms set out the basis on which you are able to access and use the Service. If there is any inconsistency between these terms and any other terms set out on the Website, these terms will prevail (except as expressly contemplated by these terms).
  • In summary, the Service operates as follows:
  • you will register with Genoapay to use the Service
  • you will select a Merchant that is offering the option to pay for goods and services using the Service;
  • in the event that the Merchant is required to confirm that you can use the Service to pay for goods and/or services from that Merchant, subject to the Merchant’s confirmation being provided then you will apply for a Loan to pay the Merchant; and
  • if your Loan Application is approved by Genoapay, then you and the Merchant will each receive a confirmation, following which your transaction with the Merchant will be completed and the Merchant will deliver or provide the relevant goods and/or services to you.

Registration as a Customer

  • In order to access and use the Service, you must register as a Customer by completing the online Customer Application. The Customer Application will collect personal information from you, which will be used by and disclosed by Genoapay, on the terms set out in the Privacy Policy specified on the Website, which you agree will be binding on you.
  • You must complete the Customer registration process found under the “Sign Up” link on the Website. You may be directed to the Website following receipt of a request to register with Genoapay from a Merchant as part of an in-store or online purchase process.
  • Genoapay reserves the right not to register any person as a Customer if that person has not completed the registration process to Genoapay’s satisfaction or does not meet Genoapay’s eligibility criteria set out in clause 8.
  • You may be required to renew your registration with Genoapay if you have not used the Service for 6 months, or otherwise not less than once per year.
  • Once you are registered as a Customer on the Website, you can use the Service and apply for a Loan.
  • Genoapay’s eligibility criteria for registering as a Customer are:
    1. You must be a natural person (that is, not a company, partnership, incorporated society, trust, or other legal entity);
    2. you must be a New Zealand resident, which Genoapay will verify through you having a New Zealand residential address and, upon request by Genoapay, you will provide a copy of your driver’s license or passport for the purpose of verifying your identity;
    3. you must have a bank debit card or credit card (Visa or MasterCard) or New Zealand bank account to use the Service;
    4. you must be 18 years of age or older when you register; and
    5. you must have an acceptable credit record, as determined by Genoapay at its discretion. You agree to provide any necessary information required by Genoapay to assist with Genoapay’s determination of your credit record.
  • Genoapay may terminate or suspend your registration as a Customer at any time by notice to you if Genoapay reasonably believes that you are not complying with these terms or are otherwise not using the Service for its intended purpose.
  • You may terminate your registration as a Customer at any time by notifying Genoapay through the Website or by email at
  • If your registration is terminated or suspended, these terms will continue to apply in respect of any outstanding Loan Amounts at the time the termination or suspension takes effect.
  • In respect of us providing a credit facility and undertaking periodic reviews or for the requirements of the Anti-Money Laundering and Countering Financing Terrorism Act 2009, you authorise us to make credit references and other enquiries within our normal procedures. For this purpose, we may seek from any such source information concerning you.
  • You also authorise the collection and disclosure of all information relevant to your accounts including repayment history information from/to any credit reporting agency. Credit reporting agencies may use information disclosed by us to update their credit reporting database, and disclose any information that they hold about you to their own customers as permitted under the Credit Reporting Privacy Code. In addition, we may use any service provided by our credit reporting agencies to receive updates of the information it holds about you.
  • Subject to clause 11, these terms will apply to you for so long as you are registered as a Customer.

Loan Process

  • You can only use the Service with the Merchants that are listed on the Website at Genoapay may from time to time introduce new Merchants who will be added to the Website.
  • Your Loan Application must be approved before you can use the Service with a Merchant. You may apply at any time for a specific Loan after you have completed the registration process.
  • Each Merchant has the discretion to decide whether to enter into a transaction with you using the Service, including transactions relating to the part-payment of any goods or services provided by the Merchant.
  • Genoapay provides the Service and has not manufactured or supplied any goods or services supplied by a Merchant. Genoapay does not make any representation or warranty about a Merchant’s goods or services or their availability at any time and you acknowledge that you have not relied on Genoapay’s skill, opinions or judgement in any way in relation to any goods or services acquired form a Merchant. You should read the Merchant’s terms and conditions regarding its sale of goods and provision of services and you should enquire into the Merchant’s compliance with the Consumer Guarantees Act 1993, Fair Trading Act 1986 and any other applicable law.
  • The aggregate amount outstanding under all Loans (including any applicable fees or charges) must not exceed the limit notified to you by Genoapay.
  • If you want to apply for a Loan using the Service, the Merchant will provide you with details of your proposed transaction (including the Loan) via the Website (by providing these details, the Merchant is making an irrevocable offer to you to enter into the relevant transaction on the basis of the payment details provided, subject only to the Loan Application being approved by Genoapay). You will need to provide details to Genoapay to complete the transaction and, at this time, Genoapay will complete a credit check in relation to you before issuing the Loan to the Merchant. There is no fee payable by you when submitting a Loan Application.
  • As part of the Loan Application, you must provide Genoapay with details of your bank account, debit or credit card with a registered bank in New Zealand, from which payments are to be made by you in respect of your Loan. By providing those details you agree to Genoapay (or Genoapay’s agent) establishing a payment arrangement against that bank account or credit card on the terms set out in the authority attached to these terms in relation to the amounts payable by you under these terms or any Loan Contract.
  • Once your Loan Application has been approved, you will be able to accept the Merchant’s offer and, on acceptance, you and the Merchant will simultaneously receive notification that the transaction has been completed and a Loan Contract will be in effect between you and Genoapay under which Genoapay will agree to advance the Loan Amount to you and you will repay the Loan in accordance with the terms of the Loan Contract. The Loan Contract will incorporate the terms and conditions set out in the schedule to these customer terms. Genoapay does not guarantee a successful approval of any Loan Application.
  • You agree and acknowledge that if you receive notification from Genoapay that a transaction has been completed, you are bound to complete the purchase of the relevant goods and/or services and the Merchant is bound to complete the transaction and supply the relevant goods and/or services.


  • Your Loan will be deemed to be advanced to you (by way of settlement of the sale and purchase of the goods and/or services with the relevant Merchant) immediately after Genoapay has provided you and the relevant Merchant with a notification confirming that the transaction has been completed.
  • At the time the transaction is completed, Genoapay will collect the first instalment that makes up 1/10th (or another factor determined by Genoapay and notified to you from time to time) of the Loan Amount from you
  • Genoapay will be responsible for paying the Merchant for the goods or services you have agreed to buy from that Merchant.
  • Fees and Charges payable by You

    • If a Loan is advanced to you and you are unable to pay any instalment payment, you must pay a missed payment fee (currently $10 including GST) in relation to each such payment missed, which will be charged to your account as soon as each payment’s deadline passes. Please get in touch with Genoapay in advance if you think this might happen.
    • Genoapay may from time to time introduce new types of fees or charges to be charged under or in connection with the Service or Loan Contracts with effect from the time specified on the Website under the section. However, any new type of fee or charge will apply in respect of a Loan only if you lodged the Loan Application on the Website after the new type of fee came into effect.
    • In the event that you are in default under any credit facility from us, we are authorised to disclose all relevant information about you, to and for the use by, credit reporting agencies, debt collection agencies and law firms.


    • You must pay the Loan Repayments and all other amounts required to be paid by you under a Loan Contract to Genoapay on the applicable due date(s). You acknowledge that all such payment instalments will be effected through the payment arrangements referred to in clauses 28 and 29.
    • The Loan must be repaid in 10 or less instalments in total, calculated by dividing the total purchase price of the good(s) and/or service(s) purchased (including GST and any related charges imposed by the Merchant) by 10 (or less).
    • Despite clauses 27 and 28, you can prepay the Loan or any portion of it early, in accordance with the terms of the Loan Contract.