A new wave in customer finance

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 5 business days of providing any documents we need to establish your account.

Just call us on 1300-FAIRER (324737) or email us if it’s outside of business hours.

We help you grow your business by offering your customers a flexible and 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. And no upfront payment either.

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.

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.

You can use etika on WooCommerce and Magento 1 & 2. We will be adding other platforms soon.

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.

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.

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.

The transaction will appear on your account as “etika…….etc”

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.

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.

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. The refund is applied to the last instalment first, then the before last instalment and so on.

For example:  If the order value is $100 and they have chosen to pay fortnightly and no instalment has come out of their account yet - 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 their first instalment of $25 two weeks after you placed their order with you.

Full Refunds
We will automatically cancel their payment schedule, so they are no longer charged for the order. If they have already made payments, we will process a refund back to their card.  

For example: If the 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).