A new wave
in finance

Fair and simple finance for you and your customers.

Apply now

Interest-free loans

We offer your customers loans without hidden fees or costs. You get your money upfront whilst your customers get to buy what they need or want.

Apply now

Benefits for you

Receive your money upfront whilst your customers get to buy what they want now

Offer your customers finance without taking any risk

Integration with your eCommerce platform is quick and easy

Our merchant fees are fair and competitive

Apply now

Benefits for your customers

They can buy what they want or need now and pay for it later

Spread-out repayments, allowing them control over their budget

Fast sign-up and loan approvals

No late fees or account fees, ever

Apply now
AIA Vitality Logo

Spotlight Customer

etika developed a customised finance solution for Vitality in the UK and AIA Vitality in Australia and New Zealand.

We provide interest-free loans to their members for products that form part of certain benefits, allowing the members to pay them off over a period of 12-36 months.

Members can reduce their monthly loan repayments by being active and achieving their tracked activity targets. AIA Vitality co-contributes proportionality to the member loans.

Frequently asked questions

How do I sign up as a Business?
Thanks for choosing to work with us!

Just go to our Apply now page. If you fit our criteria you can be up and running within two weeks of providing any documents we need to establish your account.
How can I contact you for help or more information?
Just call us on 1300-FAIRER (324737) or email us if it’s outside of business hours.
Why should I offer etika?
We help you grow your business by offering your customers a secure payment option, resulting in increased conversion, average order value and repeat purchases. You will get your money upfront and your customer gets to buy what they want, without paying any interest, account fees or late fees.

We assume all approved customer non-payment risk for every single transaction and facilitate the payment mechanisms to you.

If you have an etika account manager, you can also contact them for any questions or concerns. If you want to know more, just call us on 1300-FAIRER (324737) or email us at if it’s outside of business hours.
How and when do I get paid?
We settle all transactions on the next business day into your nominated bank account. The agreed merchant fee will be deducted from the payment. We assume all non-payment and fraud risk for every single approved customer transaction.
What eCommerce platforms can I use etika on?
You can use etika on WooCommerce, Magento 1 & 2 and bespoke platforms. We will be adding other platforms soon.

Our in-house tech team can also build you a custom solution.
What will it cost me?
We charge a variable and fixed fee on each transaction.  

You can stop using our services whenever you like, there is no lock-in contract.  

If you want to know more about the fees or anything else, just call us on 1300-FAIRER (324737) or email us if it’s outside of business hours.
How do I change any of my business details, like my email, password or mobile?
Just log in and go to 'Account details' and change what you need to change.

Any issues, just call us on 1300-FAIRER (324737) or email us if it’s outside of business hours.
How can I change my bank details? 
Just log in and go to 'Account details' and change your bank account details.

Any issues, just call us on 1300-FAIRER (324737) or email us if it’s outside of business hours.
How will the settlement appear on my account?  
The transaction will appear on your account as “etika…….etc”
Are my account details secure?
We take information security seriously and have processes in place to ensure that your private information is secure. We will never sell your information to a third party.

For more information please see our privacy policy.

We will never ask for your account details via email or over the phone if you receive such a request please contact us immediately.
How do I issue a refund? 
Just process the refund in your eCommerce platform, like you normally would, it will flow through automatically into our system. We will refund you half of the variable merchant fee.

The refund will be processed by us and will be accounted for in ‘Settlement’ at the next settlement date.
How do refunds work for my customers?
After you have approved a refund, the following will happen;  

Partial Refunds
We will update the customer’s payment schedule by reducing the instalments or processing a refund back to customer’s card where required.

For example: If the order value is $100 and your customer has only made a $25 upfront payment -  if a refund of $60 has been agreed on, we will cancel their 4th and 3rd  instalments of $25, and reduce the 2nd instalment to $15. They will pay the 2nd instalment of $15 as usual, two weeks after they placed their order.

Full Refunds
We will automatically cancel their payment schedule, so they are no longer charged for the order. We will process a refund of their upfront payment and any other payments made, back to their card.

For example: If their order value is $100 and they have paid 2 instalments of $25 we would cancel the 3rd and 4th instalment and process a $50 refund (i.e. $25 X 2 instalments).
Disputes and Complaints
If you have a concern with our services please email us to lodge a complaint.

Have a question?

Our office hours are Monday to Friday from 8am to 5pm (AEST).

This website does not support Internet Explorer.
To view this website, please upgrade to a modern browser.
Click here to download Google Chrome.