After signing up to the Openpay app, your available spending limit is available to view on the home screen of the app.
This limit can be used to make purchases only at participating Openpay merchants.
A full list of participating Openpay merchants are available at https://www.opy.com/au/shop/
Increasing or extending your spending limit
If you require more than your current available spending limit, there are two options available to you
- You may increase your spending limit by completing plans over time. This will gradually increase your limit up to a certain point as you continue to finish those plans with healthy repayment history.
- You also have the option of applying for a higher amount by pressing Get Pre-Approved for more on the Openpay App or by attempting a purchase outside your available limit.
Please note: Applying for a higher spending limit this way will require a credit check. In some instances, further payment history may be required with Openpay first before being eligible for an increased spending limit.
For more information about increasing your spending limit, feel free to browse our pre-approval FAQ here.