Openpay offers interest-free credit agreements, subject to eligibility criteria. Fees apply for late payments but are capped at £15 per plan. For more information and full terms click below.
Frequently Asked Questions
Simply select Openpay as your payment method at checkout and you’ll be redirected to the Openpay site to create an account in a few quick steps. You’ll then be asked to pick your plan length, pay your first instalment and confirm your purchase. We take care of the rest, deducting your payments automatically from your chosen card each month. Easy as that!
Openpay's plans are always interest free.
Openpay only charge fees if you miss a payment. Late payment fees are £7.50 (capped at £15 per plan). If you want to learn about your options to reschedule a payment, give Openpay a call before your payment date to avoid late fees.
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The limit may vary from store to store. It also depends on your financial circumstances. If you’re having trouble placing an order with Openpay, try placing an order for a lower amount.
Absolutely! You can open multiple plans for separate purchases, all plans are approved on a case by case basis. When you choose to pay with Openpay you will be told instantly if your plan has been approved.
Openpay is committed to responsible spending and lending, we consider a number of different factors before approving each plan.
Yes, protecting your information is very important to us. All card data is encrypted and we maintain stringent physical, electronic and procedural safeguards to protect your information.
Depending on the purchase amount you are making, you may be asked to consent to a credit check. In those instances, your consent will be clearly requested before a credit check is performed and your Openpay plan is created. Please note, this will lodge a credit check which may impact your credit score.
We take payments automatically on your scheduled date. If you’d like to pay back earlier, you can do this free of charge via your Openpay account.
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Our plans are made up of equal monthly instalments. Your first instalment is paid on the day at checkout, where you can then customise your second instalment date (up to 38 days later). All remaining instalments will come out a month apart. If you need to reschedule any payment dates, give us a call to learn about your options.
Call Openpay on 0800 048 9007 or email at firstname.lastname@example.org so they can chat about your options.
Full returns and partial refunds are available. Please return your goods to the merchant they were purchased, in line with the merchant's returns policy. Once approved, you'll receive a full or partial refund of any payments you've already made to us. All returns are subject to the merchant's return policy.