A payment plan to suit your lifestyle

You can’t always plan ahead. Let Oxipay help you take control so you can enjoy life’s moments and pay it your way.

The Oxipay benefits

Oxipay helps you take control of your money. Shop today and pay later, over four interest free payments

Signing up is simple, fast and free

Pay with four fortnightly payments

Easy login to view payments, purchase history, & total owed

Oxipay is a smart new way to shop

When you shop with an Oxipay retailer you can spread the cost of your purchase over 4 easy payments#, instead of paying the whole lot upfront.

So you can get the things you want right now and keep the money in your pocket for other things.

No Interest. Ever.

We make our money by charging our retailers directly, so you only pay the cost of your purchase. There is zero interest and zero added fees, as long as you pay on time*.



Monthly Fees


Annual Fees


Sign Up Fees


Late Payment


Things to know

* A late fee of $10 is charged if we do not receive your payment by the due date. If you are past due by more than 7 days, your account may be passed to our Collections team where a $30 fee may be applied to your account.

# When you purchase with Oxipay up to a maximum of $1,500, we pay the store and you pay in 4 instalments. The first instalment is due when you make a purchase, with 3 remaining instalments due every fortnight.

Oxipay. Enjoy the moment. Stay in control. Pay your way.