Grow Your Business

PartPay’s innovative instalment finance product has proven not only extremely popular with New Zealand Customers, but has delivered significant commercial benefits to our Merchant partners. Your Customers get to buy now, but pay later, but you still get paid straight away with PartPay assuming all credit risk to collect the remaining instalments.

Do you invoice using Xero?

Check out PartPay's new Xero integration and how it can grow your business

Why work with PartPay?

We are a New Zealand owned and operated business, made up of a team experienced in consumer finance, technology, customer service and marketing. We are deeply passionate about delivering more transparent and customer-centric finance products to make life better for both our Merchant partners and their Customers.

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Increase Conversions

New Zealanders love the “Buy Now, Pay Later” model, and it’s proven to reduce cart abandonments and increase conversion rates and average order values, helping acquire new Customers and drive your business profitability

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Full Price, No Risk

You are paid the full purchase price less our fee the next business day so there is no impact on Cash Flow, and all credit risk sits with PartPay to recover the remaining payments from your Customer.

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In Store or Online

We have existing integrations with many leading eCommerce platforms, and also have an in-store product so you can access PartPay benefits even if you don't sell goods and services online

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Minimal Admin

PartPay’s platform allows you to deliver this with minimal administration or management required and with no risk. Our team will help manage all integrations, train staff etc

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Marketing Support

We are here to help drive your business. You will get access to Marketing support from our New Zealand based team to help drive awareness and usage of PartPay to drive your business, including access to our growing PartPay user community


Market leading ID and Credit Validation

We take Identity validation very seriously, are one of the only providers who use an NZ Drivers License and real-time Credit Check as part of our Onboarding process.  The process is still completed in minutes, but this rigour plus our proprietary decisioning logic supports prudent lending decisions so Customers are in the best position to make their repayments.

Lowest Default Fees

Further to the above, our model is based on Consumers paying their instalments on time and as part of our commitment to this we have the lowest default fees in the New Zealand market, and cap our maximum default fees when many others don’t.

In house development team with global reach

All our technology development is managed in-house and with our Platform being used across global markets including the US and South Africa we will continue to evolve our technology and release new products and services to add more value.

We recently spoke to Ria Reihana of Aurum Hairstylists about how she was finding PartPay.

Read about how PartPay improved her cashflow and streamlined her business processes

Read Now

Jo from Moda Bella Shoes talked to us about how PartPay In-Store is working for her business

Read more about how PartPay in-store is increasing average order values and proving easy to use for both staff and customers

Read Now

Need help getting things started?

Our Frequently Asked Questions section contains common questions and answers around joining PartPay as a Merchant.

Read Merchant FAQs