Genoapay
Spread the cost over 10 weekly payments. NZ-built.
Repayments
10 weekly payments
Spending limit
Up to $1,500
Interest
None
Late fee
$10 per missed payment
Credit check
Soft check only
Available
Online
Best for
Shoppers who want the smallest possible weekly payment amounts.
👍 Pros
- Longest repayment window of NZ BNPL options
- No interest
- NZ-founded
👎 Cons
- Fewer merchant partners
- Online only
- Lower spending limit
How to use Genoapay in NZ
1
Apply for Genoapay
Sign up at genoapay.com. You need to be 18+, a NZ resident, and have a valid Visa or Mastercard.
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2
Shop online at Genoapay stores
Find NZ online stores that accept Genoapay. Note: Genoapay is currently online only.
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3
Select Genoapay at checkout
Choose Genoapay at checkout. A quick soft credit check is carried out — no impact on your credit score.
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4
Pay in 10 weekly instalments
Your purchase is split into 10 equal weekly payments — the smallest instalments of any NZ BNPL service.
💰 Payment calculator
Enter a purchase amount to see your Genoapay repayment schedule.
$
NZD
* Dates are estimates from today. Actual dates may vary based on payment day settings.
✅ Am I eligible for Genoapay?
Answer a few quick questions to see if you qualify.
Are you 18 years or older?
Are you a New Zealand resident?
Do you have a valid NZ debit or credit card?
Is your purchase at least $40?
This is a general guide only. Genoapay makes the final approval decision at checkout.
Find stores that accept Genoapay
Browse all NZ merchants that accept Genoapay payments.
Frequently asked questions about Genoapay
Genoapay has a spending limit of Up to $1,500 in New Zealand. Your initial limit may be lower when you first sign up and will increase over time as you build a repayment history. Some purchases may also be subject to additional approval.
Genoapay charges a late fee of $10 per missed payment if you miss a scheduled repayment. To avoid late fees, make sure your payment method is up to date and has sufficient funds on your repayment dates. You can manage your payment schedule in the Genoapay app.
Genoapay performs a soft check only when you sign up or make a purchase. A soft credit check does not affect your credit score and is not visible to other lenders. It is used to verify your identity and assess your eligibility.
Yes — Genoapay is completely interest-free as long as you make your repayments on time. You only pay the purchase price, split into equal instalments. No interest is added to your repayments.
With Genoapay, your purchase is split into 10 weekly payments. Payments are automatically charged to your linked payment method on the scheduled dates, so you always know exactly what you owe and when.
Genoapay is available online in New Zealand. Check the Genoapay website for the latest information on in-store availability.
If you miss a Genoapay repayment, a late fee will be charged ($10 per missed payment). Your account may be paused, preventing new purchases until the overdue amount is paid. If the debt remains unpaid it may be referred to a collections agency, which could affect your credit score. Contact Genoapay as soon as possible if you are having trouble making payments.