
Black Friday Klarna deals live now: Where to shop with Klarna this Black Friday
Looking to buy now but pay later in the Black Friday sales? Here’s where you can shop with Klarna for the best Black Friday deals and discounts.
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Openpay is an interest-free buy now, pay later service that you can use to pay for goods online and in stores. Openpay is available in the UK, Australia and New Zealand, spanning sectors including shopping, cars, home improvement, medical and more.
Find out how the platform works in our guide.
1. Signing up
Signing up for the service is simple. You first download the Openpay app from the App Store or Google Play. Then, you register basic information through the app, linking your new Openpay account to your Visa or Mastercard (credit or debit). Openpay will give you an instant response to your application and once approved, you can use Openpay right away.
You’re also able to sign up for Openpay in-store when making a purchase.
2. Purchasing with Openpay
Once your Openpay account has been approved, you can use Openpay at participating outlets across the UK. These can be bricks-and-mortar shops, home delivery businesses and online stores.
At the point of purchase, you need to choose Openpay as the payment option and select from among several repayment options using the app.
3. Repayments
After selecting Openpay as your payment method, you’ll receive an instant decision from the app and, once approved, you’ll be responsible for making the agreed repayments every two weeks. Repayments are automatically deducted as scheduled from your linked Visa or Mastercard. You can also make a payment early through the Openpay app.
You can currently use Openpay at the following UK stores:
When you sign up for an account with Openpay, the provider will carry out a “soft” credit check to see whether you are eligible.
Openpay is interest-free, meaning you won’t have to pay any interest on your outstanding balance. However, Openpay charges certain fees in the following cases:
Signing up for Openpay is quick:
You can also sign up for Openpay at the checkout of participating retailers.
To be eligible for Openpay, you’ll also need to meet the following criteria:
If you don’t make your payments on time (up to 2 days after the payment is due), Openpay will charge you a late payment fee of up to £7.50. If the payment is late for more than 10 days, a second fee may be applied, but fees are capped at a total of £15 per plan.
To avoid this issue, it’s best to get in contact with Openpay when a repayment’s missed, or when you know you’ll struggle to make it.
There is a limited number of reviews online for Openpay. On Trustpilot, the brand scores 4.8 out of 5 stars based on just over 800 reviews, with a rating of “Excellent”, as of November 2020.
The Openpay app has only 45 reviews on Google Play but it scores 3.8 out of 5 stars. On the App Store, it gets a rating of 3.1 out of 5 stars, but this is only based on 32 reviews as of November 2020.
Openpay is a direct competitor to the like of Klarna and Clearpay.
We really like that Openpay offers an in-store and online service, as well as giving shoppers the chance to choose the most suitable payment plan for them. Repayments are always interest-free and there are no hidden fees, either. The service is beginning to bring a larger number of retail partners on board, which means shoppers can make use of Openpay much more. However, the late payment fees are something to be aware of. If you think you might struggle to meet your repayment schedule, get in touch with Openpay as soon as you can to avoid extra fees.
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