The protection of your personal information and the security of our customers is paramount. We comply will all industry regulations. Please refer to the Payright Privacy Policy for additional information.

Your direct debit is a regular payment that is collected by us from your credit or debit card. If your repayment has been unsuccessful, Payright will attempt to direct debit on a future date until the repayment has been successfully received.

For additional information, please refer to Payright’s Terms and Conditions here.

You can also update your Direct Debit payment details on the Customer Hub here.

Yes, you can change the amount, date or timing of your Payright repayments at any time as long as you pay at least the regular repayment amount each month. To change your repayment amount, simply login to the Customer Hub here, or contact us on 1300 338 496 to make arrangements.

We understand that your circumstances can change and you may find it difficult to maintain repayments for periods throughout your loan term. If you experience problems with your repayments due to a change of circumstance.

Please visit our financial hardship page here for further information.

Please contact us immediately if you have a dispute regarding your Payright payment plan. Customers can access Payright’s internal complaints and dispute resolution (IDR) process free of charge. If you have a dispute with the Merchant including the product or service, we encourage you to contact the merchant directly in the first instance to discuss your concerns. If you feel you have been unable to resolve your complaint with the Merchant, please contact us for further assistance.

For further information please refer to Payright’s complaints handling policy and procedure here.

Payright is a provider of buy now, pay later loans which allows you to turn one big payment into easy bite size instalments!

Once an application for a Payright loan has been submitted, either by yourself or by the merchant on your behalf, a verification code will be sent to your mobile phone number. You will be asked to use this verification code to authorise and progress your application. Therefore, it is important the contact details you provide are yours.

Yes, Payright may need to conduct a credit check as part of the application process. We want to ensure you have a positive payment experience and well as ensuring the payment plan is suitable for you. When you apply for a Payright loan, you will be sent an SMS containing a verification code and asking your consent to conduct a credit check. When you provide the verification code to Payright or the Merchant, you are providing your consent to the credit check.

All our fees are outlined in the ‘How it Works’ section of the Payright website.
You can access the applicable fees here.

Yes, all of our merchants are aware of the associated fees and charges and will discuss this with you as part of the application. These fees are also explained to you in the Payright portal if you apply for a Payright loan independently through the digital checkout of an approved merchant store. All fees and charges are confirmed in the approval and welcome emails we send you.

You can find information on fees and charges here

You can nominate when your first repayment is due. Once a start date is selected and the plan is activated by the Merchant, a welcome letter will be sent to you via email. The welcome letter will confirm the initial repayment date and frequency.

You can update your card details anytime in the Payments section of the Customer Hub here

No, Payright loans are only assessed on a single borrower. It is important that all the primary contact details belong to the applicant as we will send information relating to the Payright loan to the contact details provided. Once approved and the loan activated, a nominated third party can be added to the account in order to make enquiries on behalf of the customer.

Anyone who is over 18 years old, is an Australian resident and obtains a regular income. For more information, please discuss with your chosen merchant or contact the Payright team on 1300 338 496. The Payright lending criteria is then applied to each application to determine a credit decision.

Payright will process your application by assessing the application information and ensuring that you can comfortably afford the repayments. Payright may request for additional information such as bank statements to assess your application for approval. If it is required, we can provide you a safe and secure link where you can provide this information instantly through your online banking service.

When your Payright loan is approved and activated, a credit schedule will be provided in writing to your nominated email address.

You can also view your transactions and generate a statement via the Customer Hub here

Yes we do! It’s called the Payright Customer Hub. Please login here to access your plan details, track your transactions, update your contact details and more.

We do! Through the Payright App you can apply for pre-approval from anywhere, to buy now and pay later with a Payright Partner. You can also manage your plans, update your details, and find Payright Partners near you. Download it via the App Store or get it on Google Play. Or learn more about the app here.

Provided you have a zero-balance owing on all Payright plans you can request your Payright account to be deactivated by contacting us via the contact methods found here.

Yes, you can have multiple purchases and plans within the one Payright Account as long as you have the available credit limit. There is a repeat purchase fee for additional plans, however for ease of payment, we combine all active plans into one repayment.

To keep track of your plans, log in to the Customer Hub here

You can find information on fees and charges here

You can apply for your Payright loan with assistance from the Merchant, either instore or online. You can also apply directly on your smart phone through an approved link sent to you by the Merchant or through the digital checkout of selected online merchants. You will be asked some details about yourself and your purchase. Applications take a couple of minutes to complete and in most instances, you are provided with an instant decision.

Payments are taken automatically as scheduled from your nominated credit or debit card using a direct debit facility. You also have the ability to nominate a repayment start date. Once a start date is selected and the plan is activated by the Merchant, you will receive a welcome letter to confirm the initial repayment date and frequency. You can view your upcoming payment, and make additional payments by logging in to the Customer Hub here.

If payments have not been made by their scheduled date, late fees will apply.

The late payment fee will be charged as a separate fee in addition to your overdue payment. You will also receive late payment notices from Payright when payments have been missed and become overdue.

Payright sends out welcome emails on all purchases which includes information on all applicable fees and charges.

You can find information on fees and charges here

It is important to get in contact with us immediately if you have a missed payment so we can help to resolve the late payment.

To make an arrangement, please contact us via one of the contact methods listed here

Yes, you can make early payments or choose to pay your Payright plan out early. There is no penalty for making additional payments or paying out the agreement early. A payment processing fee will still apply to any payments made.
To keep track of your plans, log in to the Customer Hub here

You can find information on fees and charges here

Regardless of the store in which you made the purchase, a reference to Payright or Devizo (our previous brand name) will appear on your bank or card statement. You can also track all of your transactions by logging in to the Customer Hub here.

In the first instance, please contact the merchant directly regarding any concerns with the product or service. All requests for returns are subject to the Merchant’s return policy. If the request has been authorised, the Merchant will advise Payright regarding any cancellation or refund that is applicable to your payment plan.

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.

Payright loans allow you to purchase goods and services from our approved merchants today and pay in instalments over time. There is a simple application process which in most cases only takes a couple of minutes. You may need to pay a deposit as well as some fees and charges, all of which are clearly explained when you apply for your Payright loan. Instalments are conveniently direct debited from your nominated debit or credit card and there are no additional charges to make extra payments or to pay your loan out early.

You can obtain your payout figure anytime by logging in to Customer Hub here.

Alternatively, please contact us via one of the contact methods listed here.

Yes, if you are in default under your payment plan, Payright may take action against you to recover any amounts outstanding. A late payment fee for each late repayment may be charged if your account is overdue. Late payment notices as well as default notices will also be issued to you to advise of amounts owed. We want to help you get the payment plan back on track therefore it is important you stay in contact with us via one of the contact methods listed here.

You can find information on fees and charges here.

You can find more information about what to do if you are experiencing financial hardship here

Paying a deposit won’t guarantee a Payright loan being approved. Payright want to ensure you have a positive payment experience and as part of our responsible approach to lending, we will assess your application against our credit lending criteria. Our credit assessment will take into consideration the finance terms, personal information you have provided on the application and your credit history information. Details of your Payright loan will be confirmed to you in writing via email once the application is approved.

In the first instance, you should contact the merchant for all product and delivery related problems. If you are unsatisfied with their review process you may contact Payright for further advice or assistance.

You can update your phone number, card or account details, and address at any time by logging in to the Customer Hub here. Alternatively you can call us on 1300 338 496.

All you need to apply is your contact, employment and purchase details (including finance terms). This will also include providing details of your valid ID to ensure you are who you say you are. In some cases, we may also request for additional information to assess your application such as bank statements. Once approved, your payment details will also be required to set-up your ongoing payment facility.

Your account is activated by the Merchant once the goods or services have been delivered or are in the process of being delivered. Your account activated upon your first purchase and remains active beyond the repayment of your goods for as long as you require. Once your plan has been activated, Payright will provide written notice by email and send an SMS notification to your mobile phone number provided.

Yes, you can pay more than the minimum amount on your Payright loan. In fact, you can pay as much as you like at any time with no penalty (as long as it is more than the regular amount due each period). In order to make an additional repayment simply login to the Customer Hub here, or contact us on 1300 338 496.