Frequently Asked Questions

Frequently Asked Questions

At Payright we are here to help you every step of the way.  Below we’ve included some of our most frequently asked questions.

If you can’t find what you are looking for we are here to help 24 x7 on 1300 338 496, via our contact form 

 

What is Payright?

Payright zero interest payments are quick, easy and affordable payment plans offered to customers by our merchants, with zero interest.

How does it work?

PayRight zero interest payment plans are a continuing credit payment plan. We provide you with the ability to purchase goods or services today, by paying an initial deposit, with the remaining balance being conveniently direct debited. There is a simple application and best of all you pay no interest.

NOTE: The minimum deposit is determined by the approved merchant amount. Customers can nominate their deposit assuming it is above the minimum set by the approved merchant. Deposits can be paid at the time of applying. When deposits are taken from a customer’s credit or debit card, the same card must be used for the ongoing repayments.

How do I apply?

You apply for PayRight online or in store with your nominated merchant. Your merchant will ask you for some details relating to your purchase and process commence the application on your behalf. Applications are completed online, in store or sent to you to complete yourself on your smartphone. Applications take a couple of minutes to complete and you are provided with an instant decision.

Can Payright be used in store and online

Yes, Payright is available both in store and online with selected merchants. Enquire with participating merchants as to Payright’s availability.

Is there a cost to use Payright (Fees and Charges)

Payright is ‘Always Interest Free’ which makes our plan really affordable. We do however have an establishment fee of up to $89.95, a monthly account keeping fee of $3.50 and a payment processing fee of $2.95

How Are Payments made?

Payments are taken automatically as scheduled from your nominated credit or debit card and can be taken directly from your bank account if needed.

You also have the ability to nominate a repayment date. Where a repayment date is not nominated, payments are scheduled to commence one fortnight from the date the agreement. Customers can log into their PayRight account to change a repayment date at any time or can alternatively call us on 1300 338 496.

Are there late fees?

If payments have not been made by their scheduled date, late fees will apply. All fees and charges are illustrated on your ‘Credit and Repayment Schedule’. The late payment fee is up to $12.95 and will be charged as a separate fee in addition to your overdue payment. PayRight sends out welcome emails on all purchases and payment reminder notices.

How can I make an arrangement for a late payment?

Contact PayRight by emailing admin@payright.com.au or calling 1300 338 496. A late payment must be paid within 7 days or the payment plan will default.

Can I make early Payments or pay my plan out early?

Yes, early payments can be made. There is no penalty for making additional payments or paying out the agreement early. The payment processing fee of $2.95 will still apply for any payments made. Simply log into you PayRight account and choose how much you want to pay.

Funds are in my account for the repayment, why was I charged a late fee?

To discuss any discrepancies, please contact PayRight by emailing admin@payright.com.au or calling 1300 338 496

What reference will appear on my bank statement?

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.

What if I want to return my purchase?

Please return goods to the merchant from which they were purchased and they will prepare a refund to you. All returns are subject to the merchant’s return policy.

How do refunds work?

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.

What are the fees and charges for PayRight

When you make a purchase, PayRight will open an account for you. You will pay an establishment fee (up to $59.95) when we set up your account. This is payable over the term of the purchase. There is a monthly account keeping fee of $3.50 which spread out over the term of your agreement and changed in addition to your regular repayment. There is also a $2.95 payment processing fee to process each repayment.

Can I make multiple purchases?

You are able to have 2 payment plans open at any given time. Your account keeping fee and establishment fee is only ever charged once however, we do have a $19.95 repeat purchase fee for any additional plans.

How can I find out the payout figure?

To obtain a payout figure simply log into your PayRight Account and request a payout figure. Alternatively, you can contact PayRight by emailing admin@payright.com.au or calling 1300 338 496

Can Payright take action against me?

Yes, if you are in default under your payment plan agreement, Payright may take action against you to recover any amounts outstanding. Additional fees and charges may be payable in the event action is required. A Late payment fee of up to $12.95 may be charged if your account is overdue. An additional enforcement charge of $29.95 will be applied if further action is required.

Can I close my account and are there any charges?

Once your purchase(s) have been paid in full and your account balance is zero, you can cancel via written notice to PayRight at admin@payright.com.au. There are NO additional fees for closing your account or paying out early.

If I pay a deposit, am I guaranteed an approval?

Paying a deposit won’t always guarantee a PayRight payment plan being approved. However, we will work with your chosen merchant to process your application fairly and approve wherever possible. Details of your payment plan will be confirmed to you in writing via email once the application is approved, verified and accepted by us.

What do I do if there is a problem with the product I have purchased?

You should contact the Merchant for all product and delivery-related problems. PayRight only affiliates with reputable merchants and they will always assist you, and have detailed policies with regard to these issues. If you are unsatisfied with their review process you may contact PayRight for further advice or assistance.

How do I update my details?

You can update your details at any time by logging into your PayRight account, emailing admin@payright.com.au or by calling PayRight Contact Centre on 1300 338 496

Application & Activation

Who can apply for a PayRight Zero Interest Payment Plan?

Anyone who is over 18 years old, is an Australian resident and obtains a regular income. The PayRight lending criteria is then applied to each application.

What do I need to apply?

All you need to apply is your contact, employment, purchase and payment details. Our merchants will also ask you supply valid ID to ensure you are how you say you are. The PayRight application process may require that we contact your employer to verify your employment.

How do I activate my Account?

Your account is activated once you accept the terms of the application, repayment schedule and you have received your terms and conditions. Your account will remain active beyond the repayment of your goods unless we hear from you in writing to admin@payright.com.au

Am I am able to pay more than the minimum amount?

Yes, you can pay as much as you like at any time with no penalty (as long as it is more the regular amount). In order to change your repayment schedule or make an additional repayment simply log into your PayRight Account or contact admin@payright.com.au or call 1300 338 496.

How do I know when my repayments are due?

Your first repayment is defaulted to a fortnight from signing your agreement. You also have the ability to nominate your repayment date to coincide with your own payment cycle.

How do I make a manual/additional repayment on my Account?

Repayments are made via direct debit from your credit card, debit card or bank account. You may pay fortnightly or monthly. One off repayments may also be made direct with your credit or debit card or via BPAY. To make a manual payment simply log into your PayRight Account or contact admin@payright.com.au or call 1300 338 496

How does my Direct Debit work?

Your direct debit is a regular payment that is collected by us from your credit/debit card or bank account. At the conclusion of your repayment terms, your account will remain active, your monthly account keeping fee will continue to be debited until we hear from you in writing wishing to cancel. Request to cancel your Direct Debit is made by emailing admin@payright.com.au or calling 1300 338 496

What are my BPAY Details?

We will issue you bpay details on a request basis. Please contact us at admin@payright.com.au or call 1300 338 496 to obtain your bpay details.

Can I change my repayments?

Yes, you can change the amount, date or timing of your repayments at any time as long as you pay at least the regular repayment amount each month. To change your repayments, simply log into your PayRight Account or email admin@payright.com.au or call 1300 338 496

What do I do if I cannot afford my repayments?

Please contact us if you are having problems with your repayments. We understand that people’s circumstances can change and we will always look to work through a solution that works for both you and PayRight. It is hard to help if we don’t hear from you!

What is Payright?

Payright zero interest payments are quick, easy and affordable payment plans offered to customers by our merchants, with zero interest.

How does it work?

PayRight zero interest payment plans are a continuing credit payment plan. We provide you with the ability to purchase goods or services today, by paying an initial deposit, with the remaining balance being conveniently direct debited. There is a simple application and best of all you pay no interest.

NOTE: The minimum deposit is determined by the approved merchant amount. Customers can nominate their deposit assuming it is above the minimum set by the approved merchant. Deposits can be paid at the time of applying. When deposits are taken from a customer’s credit or debit card, the same card must be used for the ongoing repayments.

How will Payright process my Application?

Payright will process your application by assessing the application information, ensuring the loan is suitable for you, and ensuring that you can comfortably afford the repayments.

When do I get paid?

Once goods and/or services have been dispatched and you have activated the purchase in your merchant portal, Payment is immediately scheduled and usually in your account the following day.

What do I get charged?

A merchant service fee is generally charged with each transaction and ranges based on a number of considerations. Contact us for a run down on any charges.

Are you online?

We sure are! In addition to a quick, simple and secure online application process in store or sent directly to your customers smart phone, we also integrate into leading e-commerce platforms such as Magento, WooCommerce and PrestaShop which enables Payright at the checkout of your online store. 

Can the merchant service fee be passed onto my client/customer?

No. The RRP or cost for your solution cannot be inflated to your customer to include your merchant fee.

What industries do you cover?

Payright is available to merchants from a wide range of industry types, if you sell a product of service that you think would suit a zero interest payment plan then we would love to hear from you. Please contact for a chat about how we can help your business.  

Do I have to verify my client/customers photo ID during the application process?

Our online ID verification service will securely verify and identify customers in line with regulatory standards, however if your customer/client is in store with you then we certainly recommend you view a valid driver’s license or Australian passport.

Do I need to change my refund policy?

No, your refund policy should follow Australian consumer laws. Payright will work with your policy if you choose to give a refund to your customer for any reason.

I’ve had a declined application. What can I do?

There’s a lot we can do to help here! Contact your Relationship Executive who will take you through some qualifying tips and give you some insights that will help future applicants.

How does the client/customer complete the application themselves?

Client/Customers can complete application at any time on their own device. Simply generate an application link from your merchant portal and its sent as an SMS (or email) immediately to their preferred device!

What is the Repayments Calculator?

This allows you to calculate a suitable repayment and term for your client/customer so you can turn 1 big payment in easy bite size instalments and ensure you maximise sales revenue! Jump on the phone to a Relationship Executive to find out more.

How do I get in touch with my Relationship Executive?

When you join Payright you will be assigned a dedicated relationship executive who will assist every step of the way. Their contact details are always available in your merchant portal or you call 1300 338 496 and we can transfer you through.