How Part Pay Works

How does PartPay work?

It's easy. You shop online as usual then select PartPay at checkout. The first time you use PartPay, we need some details from you (just name, date of birth, address and driver licence number) so we can do a quick automatic identification and credit assessment. The PartPay system does this instantaneously and if it's all approved, you agree the instalment plan and we take the first instalment. You also need to be over 18 and be buying something in New Zealand dollars from a New Zealand retailer. You get your goods as usual and we pay the retailer straight away, so everyone's happy.

Do you really mean no interest and no fees?

Yes, but if you miss an instalment PartPay do charge a default fee. The default fee is $8 and a further $8 for every week the payment is outstanding.

Can I make an early repayment?

Sure. Just log on to your PartPay customer account and follow the instructions. If you have any trouble, please email PartPay at

Why wasn't I accepted? I'm totally good for it!

We're sorry the PartPay system assesses a number of different factors and includes inputs from third parties such as identity verification and credit assessment providers. Unfortunately, we can't provide any detail as to why you might have been turned down this time, but it might be worth trying again later. You can still always use another payment method. If you think this was a mistake, please contact PartPay at

What limit can I buy up to?

PartPay is available on all SleepStore orders between $50 - $800. The PartPay platform will assess total credit limit based on many factors for an individual and inputs from third party data sources. The individual limit does increase over time assuming all instalments are paid on time, the maximum credit limit is $1,250.

Part Pay at The Sleep Store

How do the default fees work?

If PartPay can't take an instalment payment, then the next day an $8 default fee is added to your account. PartPay also apply a further $8 for every week the instalment is unpaid.

Will you remind me about my instalments?

Yes, PartPay will drop you a text and email you the day before they take the instalment payment, but it is still down to you to ensure there are sufficient funds to take each instalment payment.

Sorry I was late for one of my instalment payments, how do I fix it?

No problem. Please log on to your PartPay account via their website and follow the instructions to make a payment. If you are having any trouble please email PartPay at

I've seriously got a good excuse for my late payment, can we talk about that default fee?

Sure, get in touch by emailing PartPay at

How do returns work?

Returns of product are still allowed within the standard SleepStore 90 day returns policy. SleepStore customer service will be able to help you with any refunds or exchange requests, you can contact them via one of the options found here.

Why can't I see any refund in my bank account yet?

This can take a little time depending on the different banks. If it's been over 5 working days since you received email confirmation of the refund then please email us on

How do I update my details?

Please log on to your account via the PartPay website and follow the instructions. Click here to Login to your PartPay Customer Account.

Are my details safe?

Yes. Both the SleepStore and the PartPay websites are SSL secure and we do not store your full debit card details. All payments are handled by Payment Express, a secure PCI compliant New Zealand based payment gateway.


Further information

For further details you can also visit the Part Pay website here.





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