Pay over 10 weeks for whatever you need. No interest, no fees, just a better way to pay.

Firstly, you need to create an account and get pre-approval.  Do this at, Once you have pre-approval contact us via email with your mobile number and what you want to purchase.

You will then receive a text message to complete your payment.  Click on the link and enter your debit or credit card details to split the total purchase into 10 weekly payments.  Payment takes 2 minutes to complete for a first-time user, and 30 seconds for every subsequent payment.

Approval in real-time.  You don’t need to wait around, Genoapay will tell you instantly how much you can spend. If you are only approved for an amount less than the total purchase, you can pay a deposit and still pay the rest over 10 weeks.


What is Oxipay?

Oxipay is a flexible and secure way for you to shop today and pay over time to ensure you can have what you need now.

How do I sign up?

All you need is your email, mobile, be at least 18 years old, have an New Zealand address and your credit or debit card from which payments will be deducted automatically. You can sign up on the Oxipay home page or through our online checkout – just select Oxipay as your payment option.

What are the fees and charges?

Oxipay is a payment plan that is totally interest free. The only fee is a $6 late payment fee (avoidable if you pay on time).

How much can I spend? When are payments due?

You can spend up to $1000. Check your available balance in your Oxipay Customer Account. You decide whether you want to make weekly or fortnightly payments and your payment card will be automatically charged. Your first payment is charged at time of purchase. We will email your payment schedule and send reminders before payments are due.

How do I return an item purchased with Oxipay?

Contact the retailer about any returns. The retailer will notify Oxipay to refund payments made and/or cancel further payments.