Your questions answered
How does PartPay work?
It’s easy. You shop online as usual then select PartPay at checkout. The first time you use PartPay, we need some details from you (just name, date of birth, address and driver licence number) so we can do a quick automatic identification and credit assessment. Our system does this instantaneously and if it’s all approved, you agree the instalment plan and we take the first instalment. You also need to be over 18 and be buying something in New Zealand dollars from a New Zealand retailer. You get your goods as usual and we pay the retailer straight away – so everyone’s happy.
Do you really mean no interest and no fees?
Yes – but if you miss an instalment we do charge a default fee. The default fee is $8 and a further $8 for every week the payment is outstanding.
Why wasn’t I accepted? I’m totally good for it!
We’re sorry but our system assesses a number of different factors and includes inputs from third parties such as identity verification and credit assessment providers. Unfortunately, we can’t provide any detail as to why you might have been turned down this time, but it might be worth trying again later. You can still always use another payment method.
What limit can I buy up to?
Our platform will assess total credit limit based on many factors for an individual and inputs from third party data sources. The individual limit does increase over time assuming all instalments are paid on time, our maximum limit is $1,250.
How do the default fees work?
If we can’t take an instalment payment, then the next day an $8 default fee is added to your account. We also apply a further $8 for every week the instalment is unpaid.
Will you remind me about my instalments?
Yes, we will drop you a text and email you the day before we take the instalment payment, but it is still down to you to ensure there are sufficient funds to take each instalment payment.
Sorry I was late for one of my instalment payments – how do I fix it?
No problem. Please log on to your account via our website and follow the instructions to make a payment. If you are having any trouble please email us at email@example.com.
How do returns work?
Returns are between you and the retailer. Once any refund is agreed in accordance with the retailer’s terms and conditions, the retailer confirms to us in writing and we process the payment. Sorry but we can’t process any refund without retailer’s written approval.
I’m unhappy with the stuff I have bought, can I talk to you about it?
Unfortunately, we have no control over the goods you have selected to buy or their delivery. Any issue with the stuff you have bought needs to be raised direct with the retailer and is subject to their terms and conditions.
Why can’t I see any refund in my bank account yet?
This can take a little time depending on the different banks. If it’s been over 5 working days since you received email confirmation of the refund then please email us on firstname.lastname@example.org.
How do I update my details?
Please log on to your account via our website and follow the instructions.
Are my details safe?
Yes. Our website is SSL secure and we do not store your full debit card details. All payments are handled by Payment Express, a secure PCI compliant New Zealand based payment gateway.