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Oxipay FAQ

Home > Oxipay FAQ

What is Oxipay?

Oxipay lets you spread the cost of your purchases over 4 fortnightly 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 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

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 complete your purchase payments early. If you would like to do this, please contact our friendly Oxipay support team via our Help & Support page or call 0800 189 236.

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 order, please contact Vivo.

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.

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