Fair and simple

No lock-in contract, no credit or fraud risk, easy integration and fair merchant fees.
No account fees, late fees or interest for your customers.

Try for free

Why choose etika's Buy-Now-Pay-Later?

Customer finance without any credit or fraud risk

Fair and competitive merchant fees: 4% and 15c per transaction, and no lock-in contract

Increase your cart conversion and average order value by offering our finance at checkout

Easy integration with local support

We share your customer profile to support your marketing and sales efforts

No account fees, late fees or interest for your customers

Nothing to hide here.
Feel free to compare!

Try for free

Retailers find ethical and responsible lending more important than the number of customers that are accepted for finance.

Research conducted for etika amongst 400 senior decision-makers for retailers in the UK and Australia - January 2020.


Global shoppers’ cart abandonment rate. A key driver is offering insufficient payment options.

J.Clement, Shopping cart abandonment rate worldwide 2020, by industry - Statista - Jun 30, 2020.


Increase in basket size for eCommerce retailers who implemented a Buy Now Pay Later.

The Australia Post 2017 State of Ecommerce Report.

Why is etika fairer and better?

We charge your customers no interest, no account fees, and no late fees

We provide a choice of payment schedule, allowing control over their budget

We complete credit and ID checks with reputable credit bureaus

Your customers can pause their account with us, if they feel that is in their best financial interest

Try for free

This is how it works

Spreading the cost of their purchase over eight weeks is easy for your customer. It gives them more control over their budget and increases their buying power.
Select etika at check-out
At your checkout, your customers learn that they can buy now using and spread the cost over eight weeks. When they select etika, they can sign up or log in.
Flexible payments and no fees
Your customers can choose to pay weekly, fortnightly or monthly. No upfront payment required. And no account fees or late fees. The instalments are automatically calculated, ensuring the full amount will be paid within eight weeks.
We pay you
We settle all transactions on the next business day into your nominated bank account. The agreed merchant fee will be deducted from the payment.

What our customers say about us

Simple and easy to use. Time efficient and short sign up process.
Kate G
Easy. Simple. Fast.
Hannah B

Have a question?

If you'd like to contact;
etika in Australia
Call 1300-FAIRER (324 737) or email us.
etika in New Zealand
Call 0800-FAIRER (324 737) or email us.
Our office hours are Monday to Friday from 8am to 5pm (AEST & NZDT).
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