How Does FlexPay Work?

When you integrate Black Horse FlexPay into your website, it will appear as a payment option on your checkout page. There will also be a widget which enables new customers to apply for and use Black Horse FlexPay to pay for their purchases on your website.

You can offer customers instalment-based finance options (3-48 months) through Black Horse FlexPay at checkout. You have the flexibility to choose the instalment offers you would like to offer your customers and switch your promotional instalment offers on and off to suit your customers’ needs, as well as your sales objectives.

For new customers

New customers can apply for Black Horse FlexPay at or before checkout on your website.

The application process is straightforward, giving customers a digital credit account with immediate access to an affordable and reusable credit limit and a choice of payment options for their purchase.

Once approved, the customer can use the available credit in their account to make purchases on your website immediately. They can use any of the instalment offers available to them or just pay with their flexible credit.

Flexible credit is a payment option where the customer can use their credit to make a purchase and choose how much to pay back each month. Flexible credit is charged at standard account APR, and the customer must pay at least the contractual minimum payment each month.

We also send them an email to confirm their account details, their credit limit and how to use their account.

For existing customers

Existing customers can pay using Black Horse FlexPay at checkout on any participating merchant’s website.

Customers can pay in four simple steps:

• Select Black Horse FlexPay as their payment option at checkout
• Enter login details
• Choose either an instalment plan from the offers you have switched on or their flexible credit
• Confirm payment.

They can also explore our network of merchants on the Black Horse FlexPay website or in the app. Through this network, new customers can find and spend with you even if their initial purchase is with another merchant.

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Online and in the app

Customers can access their account on the Black Horse FlexPay website or in our app to track their spending and make payments.

 Orders and payments

Once a purchase is completed, the customer receives the order confirmation on screen and you will see it in your order queue. We’ll usually pay you in full the next working day (except for weekends, holidays and transactions completed after 5pm). Settlements will go directly into your nominated bank account.

What if customers aren’t eligible for FlexPay?

Referring to NewDay

We’d like to help as many of your customers as we can, by providing access to credit and flexible payment options. If a customer is not eligible for Black Horse FlexPay, we refer them in real time to NewDay. This is another leading lender which offers Newpay, a digital credit account that provides flexible instalment payment options.

With the customer’s consent, the same application details can be used to check their eligibility with NewDay, who will make their own decision on the application. This way, more of your customers will get access to payment options for their purchases.

Newpay should only be advertised to customers as a payment option at checkout and should not be mentioned across any other marketing touchpoints.

Newpay should only be advertised to customers as a payment option at checkout and should not be mentioned across any other marketing touchpoints.

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Newpay should only be advertised to customers as a payment option at checkout and should not be mentioned across any other marketing touchpoints.