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OPENPAY
Openpay is the flexible plan afterpay plan that allows you to purchase now and pay later wherever you are in Australia. Harris Scarfe is a PCI DSS compliant provider with procedural safeguards so you can shop with confidence using your credit card or other payment method. Purchase today and pay smarter in fortnightly payments that won't break the bank.
FAQ
About Openpay
How does Openpay work?
We offer simple payment plans for shoppers, allowing a purchase to be spread over numerous instalments and repaid on a fortnightly basis, interest free!
Is there a cost to use Openpay?
In Australia, there is no cost to use Openpay for short term plans. For plans with long terms, a small processing fee from $2.50 to $3.95 can apply.
Is Openpay safe and secure?
The protection of your personal information and the security of our system is our utmost priority. Openpay is a Level 1 PCI DSS Compliant Provider.
Payments
How are payments made?
Payments are taken automatically as scheduled from your nominated credit or debit Visa or MasterCard unless you elect to make a payment by cash, cheque or money order to our offices.
How do I update my card details?
Contact Openpay by emailing info@openpay.com.au or calling 03 9009 7211. Our business hours are Monday to Friday 9 a.m. – 5 p.m. AEST. You will also need to contact us if your card has been lost or stolen to update your card details.
Are there late fees?
If payments have not been made by their scheduled date, late fees will apply. Openpay sends out welcome emails on all purchases and payment reminder notices. Late fees are detailed in advance in this email correspondence. We understand that there are times when making a payment is just all too hard. Please contact us before the payment due date to reschedule and avoid late fees.
How do I fix up a late payment?
Contact Openpay by emailing info@openpay.com.au or calling 03 9009 7211. A late payment must be paid within 7 days or the payment plan will default.
Can I make early payments?
Yes, early payments can be made. The processing fee will still be applied to each instalment and is not waived for an early payment or for paying off the plan.
Funds are in my account, why did I get a late payment fee?
To discuss any discrepancies, please contact Openpay by emailing info@openpay.com.au or calling 0390097211.
What merchant name will appear on my bank statement?
Regardless of the store in which you made the purchase, a reference to Openpay will appear on your bank or card statement.
Why haven’t I seen the payment go through on my bank account?
Openpay processes the payments through the Visa or MasterCard debit or credit card. A payment made through Visa or MasterCard may show up on the statement as pending for a few days and settle a few days later.
Returns
What if I want to return my purchase?
Full returns and partial refunds are available through the Openpay platform. Please return goods to the merchant from which they were purchased and they will prepare a refund to you. All returns are subject to the merchant’s return policy.
How do refunds work?
Any amounts paid by you will be refunded back onto your nominated card and any future instalments will be cancelled. Any paid processing fees will not be refunded.
A merchant processed a refund, but I cannot see the funds in my account?
Openpay’s platform allows for refunds to be processed immediately. As with all merchants, sometimes the bank may take a few days to clear the funds back into your account.
About Openpay
How does Openpay work?
We offer simple payment plans for shoppers, allowing a purchase to be spread over numerous instalments and repaid on a fortnightly basis, interest free!
Is there a cost to use Openpay?
In Australia, there is no cost to use Openpay for short term plans. For plans with long terms, a small processing fee from $2.50 to $3.95 can apply.
Is Openpay safe and secure?
The protection of your personal information and the security of our system is our utmost priority. Openpay is a Level 1 PCI DSS Compliant Provider.
Payments
How are payments made?
Payments are taken automatically as scheduled from your nominated credit or debit Visa or MasterCard unless you elect to make a payment by cash, cheque or money order to our offices.
How do I update my card details?
Contact Openpay by emailing info@openpay.com.au or calling 03 9009 7211. Our business hours are Monday to Friday 9 a.m. – 5 p.m. AEST. You will also need to contact us if your card has been lost or stolen to update your card details.
Are there late fees?
If payments have not been made by their scheduled date, late fees will apply. Openpay sends out welcome emails on all purchases and payment reminder notices. Late fees are detailed in advance in this email correspondence. We understand that there are times when making a payment is just all too hard. Please contact us before the payment due date to reschedule and avoid late fees.
How do I fix up a late payment?
Contact Openpay by emailing info@openpay.com.au or calling 03 9009 7211. A late payment must be paid within 7 days or the payment plan will default.
Can I make early payments?
Yes, early payments can be made. The processing fee will still be applied to each instalment and is not waived for an early payment or for paying off the plan.
Funds are in my account, why did I get a late payment fee?
To discuss any discrepancies, please contact Openpay by emailing info@openpay.com.au or calling 0390097211.
What merchant name will appear on my bank statement?
Regardless of the store in which you made the purchase, a reference to Openpay will appear on your bank or card statement.
Why haven’t I seen the payment go through on my bank account?
Openpay processes the payments through the Visa or MasterCard debit or credit card. A payment made through Visa or MasterCard may show up on the statement as pending for a few days and settle a few days later.
Returns
What if I want to return my purchase?
Full returns and partial refunds are available through the Openpay platform. Please return goods to the merchant from which they were purchased and they will prepare a refund to you. All returns are subject to the merchant’s return policy.
How do refunds work?
Any amounts paid by you will be refunded back onto your nominated card and any future instalments will be cancelled. Any paid processing fees will not be refunded.
A merchant processed a refund, but I cannot see the funds in my account?
Openpay’s platform allows for refunds to be processed immediately. As with all merchants, sometimes the bank may take a few days to clear the funds back into your account.
