How it works

Get the products and services you need today, pay for them over 10 weekly instalments, use your debit or credit card after you have registered.


Ask to pay with Genoapay at the checkout

Genoapay will be available at the checkout with the retail and service providers accepting Genoapay.


Receive a TXT message to complete your payment

Genoapay splits the total purchase into 10 weekly payments. You can choose to pay from the card you want, or if you already have a Genoapay account you can select your bank account. Payment takes 2 minutes to complete for a first time user, and 30 seconds for every subsequent payment.


Approval in Realtime

You don’t need to wait around, we tell you instantly how much you can spend using Genoapay. If you are only approved for an amount less than the total purchase you can pay a deposit and still pay the rest over 10 weeks.


Select Genoapay at the checkout

Genoapay will be available in the shopping cart checkout, simply select Genoapay as your payment option.


Complete your payment in 2 minutes

If you are a new user you will be asked to create an account, you will need your drivers license to join and then select your payment method.


Approval in Realtime

You don’t need to wait around you can complete your purchase in real-time and get the product or services you need.

Manage your account at any stage

Login to your Genoapay account to track the progress of your payments, receive special offers from our partners, move payment days or pay off your plan early.

No hidden fees

Joining Genoapay is totally free, there are no ongoing fees, and there is never any interest. The only time we will charge you extra is when you miss a payment. Missed payments cost $10.

Flexible and Fast

Genoapay allows you to move payment days to match your pay cycle, or you can pay off your account early.
Get what you need on your terms.

NZ Owned and Secure

Genoapay is a registered financial services provider, and we store your payment information in accordance with the highest global standard PCIDSS Level 1.

Free to join. Free to use.

Sign up and get pre-approved now! You’ll see your available credit to spend after signing up, which can be used at any time from our participating merchants.