Frequently Asked Questions

For Shoppers

Oxipay is simply the easier way to pay. You can shop online or instore at any Oxipay retail partner and we’ll spread the cost of your purchase over 4 payments. It’s just that little bit extra breathing space to make buying easier.

Oxipay is available to all people who fit the following criteria:

  • Live in Australia
  • Be at least 18 years old
  • Be capable of entering into a legally binding agreement
  • Have a valid and verifiable email address and mobile number
  • Have an Australia credit card

Oxipay can be used at any affiliated retail partner. When shopping online you just simply need to select Oxipay during the checkout process. When shopping instore you will need to let the sales staff know you would like to purchase today using Oxipay.

Oxipay does not charge you fees for making a purchase and making payments on time. If you do not make your payments on time late payment fees may apply.

The payments on your Oxipay purchase are outlined in your consumer portal area as well as on your purchase confirmation email. All payments will be debited on the dates specified unless the payment is due on a day that is not a business day. We may then ask your bank or credit union to debit your credit card on the following business day.

Our friendly Oxipay support team is available to help if you have any questions about your payments. You can contact us via our support page or call 1800 895 791.

You certainly can. 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 support page or call 1800 895 791.

You will need to contact the retailer who will handle returns in accordance with their policy. If a return is accepted we will refund what you’ve paid us and cancel any future payments. We’ll do this as soon as we can, but the process can take time.

You will need to contact the retailer who will handle refunds in accordance with their policy. 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 what you’ve paid us and cancel any future payments. If you have problems with a retailer about a refund or anything else contact us via our support page or call us on 1800 895 791. We’re here to help you.

If you do not receive the goods you have purchased please contact the retailer where you purchased your goods from. If you are experiencing problems please contact us via our support page or by calling our support team 1800 895 791.

You can close your Oxipay account by contacting us via our support page. Please note that all outstanding amounts will need to be paid in full before you can close your account.

For Merchants

Oxipay is a safe, simple, and convenient omni channel payment option that lets your customers shop online or instore and pay for their purchases over time – with no interest ever. Oxipay is powered by ASX-listed company Flexigroup.

Oxipay issues customers with a reusable shopping account that allows them to pay for their purchases over time in 8 weekly or 4 fortnightly instalments.

Increased payment flexibility for your customers can help convert browsers to shoppers, may increase average order values, and the number of items per order.

You can apply for a merchant account here.

Once your facility is approved, accepted and verified, your merchant account is established and you can start offering Oxipay as a payment method in-store and online.

Online - We offer instant integration with the leading e-commerce platforms, so you can simply download and install one of our plugins and accept Oxipay in minutes.

E-commerce platforms

If you have a custom-built e-commerce system, your developer is going to breeze through our super simple API.

In-Store – Oxipay seamlessly integrates with leading Point of Sale platforms. Alternatively, you can process Oxipay transactions via the Oxipay Merchant Portal.

POS platforms

To confirm the platform for your in-store transactions click on this link.

Regardless of your setup, our team of integration experts are always available to assist.

Merchants pay a merchant service fee, which is a small percentage based fee per transaction, so you only pay for Oxipay when you sell via Oxipay. There are no setup fees, no monthly charges, no commitments, and no surprises. The merchant service fee varies depending on trading volume – please contact us for further details on pricing.

No interest is ever charged to the customer. A $6 late payment fee is charged to the consumer’s account only if a scheduled payment is missed. As long as the customer’s payments are made on time there are no interest charges or fees.

We settle all transactions with merchants the following business day.

The payment is made net of the agreed merchant service fee. Once a transaction is authorised by us, we guarantee settlement of funds (i.e. we assume all credit and fraud risk). Merchants are never responsible for collecting any consumer repayments or defaults. We collect repayments from the customer over time.

The more you include Oxipay in your communications to your customers, the more likely they will use Oxipay. And the more likely you will increase your sales volume, minimise cart abandonment and grow your repeat business.

Refer to our Best Practice Marketing Guide for

  • How to set up your Website to promote Oxipay
  • How to Include Oxipay in your Email and Social Media Marketing
  • In-Store Collateral
  • Disclaimers

 

Your customers can forget about filling out payment information and credit card numbers. With Oxipay, checkout couldn’t be easier. Every time customers shop in-store or online, they simply sign in to their Oxipay account and confirm their purchase – it’s that simple!

Oxipay customers never have to pay for their entire purchase immediately – instead, they just make the first payment at time of purchase and the remaining payments are charged to the customer’s payment card.

Customer Sign-Up Process

Consumers can sign up at oxipay.com.au or via the online checkout at any online retailer that offers Oxipay.

To sign-up you will need:

  • An Australian address
  • To be at least 18 years old
  • Have a valid and verifiable email address and mobile number, and
  • Use an Australian debit or credit card to make a purchase

Oxipay are committed to supporting responsible spending and so we do not approve all applicants.

A debit/credit card is required at time of sign-up, as the customer’s payment method. This ensures easy future repayments when a purchase is made using Oxipay.

Check that the customer has entered the correct details. Sometimes it takes a couple of minutes for the SMS to come through.

If that fails, please ask the customer to call our Support Team on 1800 895 791 or send an email to support@oxipay.com.au.

Merchant Dashboard

For a step by step guide to using the Oxipay Merchant Portal click on the link
Oxipay Merchant Portal

Open
The order is created, awaiting customer to confirm transaction

Declined
Transaction has been declined. The customer should use another payment method.

Buyer Cancelled
Order cancelled by buyer online or in-store

Payment Approved
Customer’s transaction is approved and they can take the items

Awaiting Dispatch
Change Dispatch Status from ‘Not Dispatched’ to ‘Order Dispatched’. Only valid for merchants not on auto dispatch.

Refund Pending
The order is waiting on a refund

Settled
The full transaction amount (net settlement) has been processed by Oxipay to your bank account

process flow
 

From the Merchant Dashboard Home Page click View All to search for an order.

Search by Order Number or ID (customer has the Purchase Number (ID) in their purchase confirmation email) or
By order category (Open, Declined, Cancelled, Awaiting Dispatch, Refund Pending, Payment Approved, Settled, Buyer Cancelled)

Refer to the Merchant Portal Training Guide for more information.

For a step by step guide of the screens your customers will see for online purchases refer to our video Using Oxipay for Online Purchases

After the customer has selected CONFIRM for their purchase and the first payment for the goods has been successfully processed, the order status in the Dashboard will change to show PAYMENT APPROVED.

Merchants that are not on an Auto-Dispatch process will then need to go into Dispatch Status and change it from ‘Not Dispatched’ to ‘Order Dispatched’. This will trigger a payment to the merchant for the goods.

Refer to our Merchant Portal Training Guide for step by step instructions to Create an In-Store Order

Or go to our video How to process an In-Store Purchase

Merchants must only hand over goods when the order status is ‘Payment Approved’ for both in-store and online orders where the auto-dispatch process is in place.

For merchants without the auto-dispatch process, items can be dispatched when the order status is ‘Awaiting Dispatch’. Merchants need to change the order status to Order Dispatched and then release the goods to the customer.

After an order is created, details such as name, email, order number or amount cannot be changed.

If the order is already in ‘Settled’ status, you cannot delete an order. Instead we recommend refunding the entire order and creating a new order from scratch.

An order can be cancelled by the customer while shopping online or in-store at any time until the customer confirms their order by tapping on the ‘Confirm’ button.

For a step by step guide to refund Oxipay purchases refer to our Merchant Portal Training Guide.

Getting Paid

We settle all transactions with merchants the next business day.

Remittance Advice
Remittance Advices will be produced and sent each day and these will match the deposit amounts processed to your bank account.

Statements for Friday, Saturday and Sunday will be sent on a Monday. Where a Public or Bank holiday occurs, your statement will be sent on the first business day after the holiday.

The merchant service fee is automatically deducted from the daily disbursements. Each day we send the remittance advice to confirm the merchant service fee charge.

Please refer to your contract to confirm your merchant service fee.

Oxipay follows the existing refund policy offered by merchants.

After merchants have approved a refund to the consumer, we will refund to the consumer and will clawback from the merchant’s bank account or the refund amount will be held back from future payments to the merchant.

We settle all transactions with merchants the next business day.

The payment is made net of the agreed merchant service fee into your bank account. Once a transaction is authorised by us, we guarantee settlement of funds (i.e. we assume all credit and fraud risk). Merchants are never responsible for collecting any consumer repayments or defaults. We collect repayments back from the customer over time.

Account Questions

If you would like to update your banking details, please email us at sales@oxipay.com.au

If you would like to amend or replace any of your contact details, please email sales@oxipay.com.au and provide the following information:

  • The contact detail you would like to amend
  • The new information, and
  • Your email address that the account with Oxipay is registered under

For security purposes we need this information in writing.

Marketing

Refer to our Best Practice Marketing Guide for

  • How to set up your website to promote Oxipay
  • How to include Oxipay in your email and social media marketing
  • In-store collateral
  • Disclaimers

For security purposes we need this information in writing.

General Trouble-Shooting

Please contact us and provide us with as much detail as possible, as in:

  • Name of your website
  • Phone Number
  • Date & Time the issue occurred for the first time
  • Ecommerce cart (what platform is your website built on), and
  • Is the problem on your website or after customers are redirected to Oxipay

Please describe the problem in as much detail as possible, along with steps you have taken to try and resolve it. If you could provide Screenshots that would be a great help.

Please call 1300 413 902 (9.00am to 5.30pm AEST Mon-Fri, 7.30am to 4.30pm Sat & Sun) or send an email to sales@oxipay.com.au