I wouldn’t recommend Openpay at all, I had to cancel a credit card due to it being stolen, they attempted to draw my payment from my bank account and couldn’t get it straight away coz the card was cancelled so they slapped on a late fee straight away, it only took me a few hours from them trying to draw the repayment and me paying the money back but wouldn’t waive the late fee, come on a few hours late, it wasn’t as if it was a day late, and I had a legit reason but they didn’t care

Would not recommend, unlike Afterpay who understandbly initially give small limits and eventually give up $2000 credit to you if your payment history is impeccable after a few deals, Openpay does not . They will never raise your limit until you submit to a credit check which unlike borrowing for appreciating assets like housing, credit checks from the like of Openpay will negatively affect your credit score. It's bizarre that they don't increase limits like Afterpay and it's probably why Afterpay is the undisputed king of BNPL and subsequently made many of their shareholders very wealthy.

My car needed major service, had gearbox done, new tyres from jax tyres on Openpay, got a new car battery From Bunnings . Ignition sensor, crank angle sensor, new breaks from West Point autos. Pay on time as agreed and you won’t get hit with fees. Best to use for emergencies only like I am. I highly recommend Openpay.

You only find out afterwards that there are fees they take out. I found out tonight when I made my furst repayment, a 50c charge is added on each repayment. Tomorrow I will be making formal complaints about this company to Consumer Affairs, ACCC and ASIC and anywhere else that will warn people about this company. Very annoyed, annoyed enough to spend an hour or two of my time alerting authorities and also the public. Never again.

Open pay honestly sucks. I tried to buy a mattress and it said I had $750 available so I put in my credit card details.. clicked pay and thought I was actually purchasing the item. No. They took $180 out of my account no purchase was actually made.. a big ‘credit check required’ came up on the screen but didn’t take me to a window. Logged into my account and nothing. Not purchase history and only $350 available for purchases. So they’ve just taken money out for no reason.. and told me 5-10 days until the BANK can return funds.

I was unable to purchase an item over the phone using openpay. Gave the shop the number under the barcode which came back to call openpay 1300. I called openpay to which I had to email identification through their link they emailed me. Now I am having to wait 24-48 hours for verification. Forget it openpay too much mucking around when I need item paid now to be picked up by son while he is at the store before travelling 3 hours home again I will stick with paypal

Very handy gives you the chance to buy things and pay them off easily. Thank you and the good thing is that it is interest free you cant ask for more then that.

It was easy to set up and I like that I can make fortnightly payments and have my item immediately. I also like that I can make a payment early.

I love Openpay, it is easy to set up and l love how you can pay future instalments earlier if you want. Just wish they had more stores on board

Love open pay the only don't fall is not many places do in store have to do most of them on line and would also love if there was alot more stores that did open pay
Eg. Supermarkets. petrol stations

Easy to set up and to monitor. Flexibility with time is great. Also love the ease of making one click payments and reminders. User friendly and the app is simple and fast.

This is a great way to shop, simple process very transparent fees and charges, online shopping just got alot better with Openpay and the retailers are a growing list which just keeps getting bigger love Openpay

Very easy and great to use, love how you can tailor your payment plans to your schedule. Also the app is easy and does not impact your credit score. Highly recommend openpay

Day late on one payment of prior plan. Took 2.5 hours at a store to work out they had my account on hold. Notification not received. Bit poor that I wasn’t notified

It allows me to purchase things I see within my budget buying plants furnishings health many more things I can pay my account off early
It’s a convenient way to shop

Once set up it's easy to use and quick, and I love that I can choose my repayments, payment is easy and fast and I love that I can pay early.

Openpay is so easy to set up and use.
Unlike Afterpay the repayments are smaller and over a longer period.
Great for unexpected emergencies eg: car services ect
As long as you pay what’s expected on the due date you can’t wrong.
Highly recommended

Overall solid, heard reviews about affecting credit scores, my limit never increases after plans complete despite always being on time, and have completed over 15 so far.
Customer Service in the call centre is generic and not very helpful. Fledgling company still and not worked out their Customer Service Model, loves taking cash and fees if people are late looking at the other reviews, not as good as Afterpay, but a good alternative.