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Openpay is no longer operating/trading. See the Best Buy Now, Pay Later Services.
Openpay

Openpay

 Verified
Openpay
4.4

2,488 reviews

Positive vs Negative
86%14%
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Transparency ?
4.4
Customer Service
4.4
Rates and Fees
4.4
Application Process
4.6
Openpay Plans are interest-free
Flexible payment plans - set up payments to suit your schedule
Establishment Fee, Plan Management Fee and Redraw Fee may apply to some plans
Default Fee of up to $9.50
May conduct credit checks during a credit limit increase application; may affect your credit score if you default on payments
2,488 reviews
3 Dylan  · Good stuff – Good stuff works well even rho I haven't used it
5 Dmossberg   · Love it – Another way to buy things without hassle and high interest
1 Productreview123  · SCUM! – Randomly charging my debit card 2 months after they went tits up. Scum!
5 Erika  · Awesome products – Love bella jewellery great service and quick delivery thank you bella ..
5 Karen  · Openpay was great – It's ashame that this is no longer available as i loved using this
5 Dillon P.  · Amazing service – Grateful for the service, they have been fantastic with me even when I had fell behind.
rebecca p.
rebecca p.NSW2 posts
 

Closure account for openpay – I know openpay has ceased. But does anyone know how to actually cancel the account as it still appears on my credit rating as active.

Jrl.
Jrl.VIC2 posts
 

Openpay is great, makes shopping easy – Bunnings got me onto openpay, and I been using it ever since, it’s great for when you ain’t got enough cash on you. And the repayments are great and easy.

Nathan
NathanNSW
 

"Fraud" Scam, Rip-offs openpay, – My wife awoke this morning with her phone going ballistic ding ding ding one after the other, Openpay 37 rapid withdrawals, all different amounts taken from a card and account that they had no access to, we rang the bank to report Fraud they couldn't help, we rang open pay they refused to give money back just asking when would be a good time to… Read more

make more payments on the account, that same day openpay sent the bill to recoveries corp, dept of trading can't help because it's at a credit collection agency even though the account isn't in arrears, got a call from recoveries corp to ask when we can make payments said we can fix the rest owing when the other money that was taken be returned to that account, then a few days later in the evening openpay takes $70 from account again and gives no access to see where the money goes, you would think if the app isn't working and they are still taking money of people you think we could see it on the app but not use it I think a whole lot of people would sleep easier, We will try a current affair next see how that goes, Oh yes sorry FAR KEW OPENPAY zero stars

Reviews with attachments

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Kennis
KennisNSW
 

Absolute shocking customer service – Returned item which I paid for on open pay- store refunded back to original payment method, which was open pay. Your crappy customer service team then kept telling me I have the refund. Showed them CLEAR af receipts which showed that the payment was returned back to them - spoke to customer service multiple times and they had no clue what they… Read more

were on about.. all for them to in the end tell me they changed policies and it’s up to the seller to refund me now if they want- meaning they have refund from the seller as well as money from me which they have decided to keep. I understand your crappy company has gone into liquidation but seriously…. Absolutely mind blown to how stupid, rude and unhelpful your “customer service” team is. It’s been over a month since I have been trying to get money back which is owed to me and now I just haven’t heard back from your so called customer service team. Also, over 40 min wait time if you do want to speak to someone however no point as they are belittling and don’t understand simple things.

Also, up until it came to new management/ trying to receive a refund- I had no issues with open pay and used them for several purchases. They obviously just stopped caring since changes were made. Good thing they’re closing down.

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Maryann B.
Maryann B.QLD2 posts
 

My garden wouldn't be the here but for openpay, thank you I love open pay – It makes going to Bunnings more fun as I can take part in the specials. Essential for any gardener

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JOHN...
JOHN...SA
 

OPENPAY allows me to get essential items when I can't afford the full cost of an item or car services etc – Many times I've had to use OPENPAY to buy something essential, But only recently my car's power steering pump seized up , then it caused the drive belt to snap and this caused several serious problems to my car which made it totally unusable. The Alternator couldn't operate & the Motors cooling radiator system didn't work and I could barely turn… Read more ·  1

the steering wheel cos the power steering pump seized.

So I rang ULTRATUNE Norwood Adelaide and they do OPENPAY, thus I immediately booked the car in urgently because I need the car every weekday for work. OPENPAY saved the day as I didn't have the $1,400 that was the eventual cos to get my quite extensive Falcon repair done very quickly.

Then around the same week my wife accidentally hit a large kerbing in the middle of the road and caused over $2,000 destruction to it's right hand side suspension and steering sytems , extremely damaged her NICE RECENTLY NEW SSS NISSAN PULSAR. Luckily my wife also has OPENPAY this we were able to get her car repaired immediately thanks to her OPENPAY.

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Kevin L.
Kevin L.2 posts
 

Not happy – Unfortunately you guys took out the last payment out twice I was lucky I had enough money in my account not happy at all it still hasn’t gone but in

Openpay
Openpay    

Hi Kevin, We are sorry that this has happened. It seems… Read more

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Rami Nass
Rami NassWA2 posts
 

Top notch service, all round, couldn't be happier – This is my second year of using openpay, I couldn't be happier with how slick, easy and most importantly a convenient way to BNPL. Outstanding customer service. Beautiful plans. And cherry on top, your balance increase once you finish your plan. In short, if you don't fail yourself , openpay won't fail you Show reply

Positive reviews

allison b.
allison b.QLD
  Fair Incentive

Awesome – Openpay is great helps you with things that are most important to you an I find the repayments are also affordable I give them 5 Stars very happy customer ⭐⭐⭐⭐⭐

Angela R.
Angela R.NSW
 

Such a shame! – Very disappointed. Openpay helped get my kids back to school at Office Works and fix emergencies with Bunnings, even at Toy World for Christmas when I couldn’t afford the lumpsum costs for 4 children. Much prefer Openpay to other major BNPL companies. Very sad to see them close.

Suzi W
Suzi WSA39 posts
 

Was the best bnpl – I was sorry to read that Openpay is no longer operating. Longer plans than Afterpay it was a great option for more expensive items at Officeworks and Bunnings.

Negative reviews

Michael T.
Michael T.NSW2 posts
 

Openpay are scammers – No matter when or how much my wife puts into her bank account Openpay randomly take it. $389 this morning was the most recent Thieves nothing but thieves Constant $9.50 payments

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Danny
DannyQLD9 posts
 

BE VERY CAREFUL $9.50 SCAM – At the moment I have given one star because they wont allow me to do none. I used Open Pay while it was available, was never late with payments and actually liked it. BUT!!! When they went broke they sent me an email and also information about the situation. At that time I had 6 different active plans, so simply paid each of them out that same… Read more

day. The app says I have NO active plans and ALL plans are completed and I owe $NIL. BUTTT!!! since paying this out I have now had 5 lots of 9.50 payments taken out of my account with no explaination. Everytime I put money in that account they help themselves to lots of $9.50 payments (so far over $50.00. I have sent through emails to support but not response as expected.

Natty86
Natty86WA50 posts
 

Scum of the earth – Randomly taking 9.50 fees out of my bank , even when I take my money out of that acc the still manage to overdraw my acc I have no overdue payments they are doing this to so many people just cause u have gone bust doesn’t mean u can just randomly take money from ppl account can’t even leave money on my card cause of u guys !!!!!

Recent reviews

Leith G.
Leith G.QLD
 

Refund kept and management fees – Openpay refused to refund my money back (months of generic 'fob-off' emails) and even though the company has gone bust they still have the gall to charge management fees on top of purchases. Their 'management' is fraudulent.

Richie
Richie2 posts
  Verified

Be careful – Someone has hacked my account and used my account to start new plans. Hopefully I see my money again that was taken from my account without my knowledge. Rubbing it in by asking me to do a review when I’ve been hacked.

Amber Taylor
Amber TaylorVIC
 

Absolute garbage – The app says I cannot use it until I make payments. When I've never even used it before. It now won't let me delete my bank card from the app. Dodgy as.

Reloaded
Reloaded5 posts
 

Good While It Lasted – Was good While it Lasted till Today 7/2/23 as they have gone bankrupt 80 Openpay Staff Lost Jobs & No one Can Use this Platform Anymore As i am Writing this Was Good To Use Throughout my 2 Years Have To Use Another Platfrom Or worse Go Back to the good old days of Saving Money in a jar to afford

Satisfied Customer
Satisfied CustomerQLD3 posts
 

Great . Good plans you can choose from – Really good when you can choose a plan which is affordable to your needs, this allows you to spend more on an item and spread your payments to suit.

HMS
HMSQLD2 posts
 

Probably won’t do it again – The initial setting up was messy. When I finally got through to someone who knew how the system should work, they had a problem that required me to start the whole process again.

Fernando A.
Fernando A.VIC6 posts
 
Transparency
Rates and Fees
Application Process

They will leave you high and dry! – Open pay has for some reason cancelled my up to date account with no real explanation everything is above board with me and my account. So be careful because they will do a credit check and despite being a good customer they will shut your account down with absolute no explanation at all.

Openpay
Openpay    

Hi Fernando,

Unfortunately if you are bankrupt or apart of a debt agreement, we are unable to lend to you.

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Rangi
RangiWA
 

Absolutely awesome – So awesome when you have an unexpected mechanical situation with your vehicle and you can't put off till your next pay. Definitely a lifesaver having Openpay. Show reply

Igor
IgorVIC
 

Don't use it – If I could give less than 1 star I would. As requested by their verification team I have emailed a photocopy of my driver license and a selfie holding my license next to my face. In response I got an email saying that they having trouble verifying my drivers license and requesting for me to email a copy of my Medicare card. After emailing… Read more

document requested, I received an email saying the account has been verified successfully. Tried to login the account is not working. Call the customer support who refused to hear that I received a confirmation that account has been approved and just keep repeating that Medicare is not sufficient type of identification and driving license need to be provided. She refused to get supervisor or put me through to verification team. I was considering to use openpay for my business, but after this experience I have change my mind.

Openpay
Openpay    

Hi Igor,

We're sorry to hear about your experience. Please reach out to us on info@openpay.com.au

wilson335
wilson3354 posts
 

It's a good product but it needs to be more flexible – If you don't have a comparable phone you can't use it.a card would be better if U don't have a comparable phone needed it to buy phone to be comparable but could not ended up paying cash iits Of no use if you can't use it Show reply

David J Whittaker
David J WhittakerQLD
 

How did we do Openpay – Openpay is very easy to use thankyou,I had to change my payment day to the following day because of my pay goes in on the same day as payment all I had to do was contact you and there was no problem at all to change thankyou Openpay Dave Show reply

lilianne
lilianne3 posts
 

Easy and simple be – Being customer over 2 years ,in the beginning I had bid of issue with the customer service support team,since then,they improve the service,the app is simple and easy to use ,will recommend openpay to friends and family. Keep up the good work,and thanks for making the improvements. Show reply

Robyn
RobynSA2 posts
 

Greedy money hungry company – Due to unforeseen circumstances my account was sent to indepted. I had never missed any payments with indepted, received all the emails saying that my Openpay account had been paid in full but Openpay are telling me I still owe them money. I got back in contact with indepted who are telling me that my account with them from Openpay is now closed… Read more

and finalised as it has been paid and no new accounts have been sent to them. I got back in contact with Openpay to discuss this matter further and today I received an email saying that they have closed my account down because of repayment history but can’t provide me with any further information!!! Their customer service is disgusting and they refuse to acknowledge that they made a mistake!!!

Openpay
Openpay    

Hi Robyn,

We would like to investigate this. Please reach out to us on info@openpay.com.au

Leon A.
Leon A.4 posts
 

Terrible worst buy now pay later product on the market – Tried to make a purchase with Openpay had trouble doing that somehow there system died during the process but it took my money from my bank account anyway even though nothing had been purchased rang up to find out why and when i would get my money back was told it would only take an hour and would be back in my account after an hour the money was… Read more

not in my account so I rang back again, this time I was told that it could take between 3 to 7 days for my money to be refunded, and that because I had already made a purchase I couldn’t use their service until that money had been returned, even though I had not made any purchases. Because i owed over $600 for the purchase that never happened. The help centre is not in Australia and therefore very hard to understand and not very helpful anyway! The first time I rang the man i spoke with said he would put me on hold to go look at my account and he’d be back but obviously after looking at my account thought it was too hard to deal with and hung up on me. After being on hold for over ten minutes!

Openpay
Openpay    

Hi Leon,

We're sorry your first experience wasn't up to scratch. We appreciate the feedback.

Bridget
Bridget
 

Limited – There were no reminders regarding upcoming payments like most alternative services as well as the most limited range of places to use it. On the plus side it’s an easy app to use

Openpay
Openpay    

Thanks for the review Bridget! Payment reminders are sent… Read more

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