Humm (Formerly Oxipay)

Humm (Formerly Oxipay)

Humm (Formerly Oxipay) is now available at The Cosmetic Clinic

The Cosmetic Clinic is pleased to offer Humm as one of its flexible payment options.

Humm is a payment solution backed by FlexiGroup New Zealand Limited providing customers with a smarter way to buy what you want now by splitting the payments over five or ten easily managed payments.

Joining Humm is fast and free

Pay in 5 fortnightly or 10 weekly payments

Get what you want now! Pay no interest or added fees when you pay on time*

*A late fee of $10 is charged if we do not receive your payment by the due date. Click here for more info.

What is Humm?
Humm lets you spread the cost of your purchases over 5 fortnightly or 10 weekly payments, making buying what you want that much easier.

What happens if I’m an Oxipay customer?
Good news – you don’t need to do anything!  We’ll automatically move you over to humm.

All you need to do is log into shophumm.com/nz using your existing log in details and you’ll see all your current purchases and your available balance. No need to change your debit or credit card linked for payment. We’ve got this covered also. All you need to do is log into shophumm.com/nz using your existing log in details and you’ll see all your current purchases and your available balance. No need to change your debit or credit card linked for payment. We’ve got this covered also.

Please make sure you download the humm app to make things easier going forward.

Who can use Humm?
You can access Humm if you:

  • Be 18 years or older.
  • Be a permanent resident of New Zealand.
  • Have a permanent job (at least 25 hours a week) or be on a New Zealand Super or Veteran’s Pension.
  • Be sure you’re not insolvent (or declared bankrupt).
  • Have a valid New Zealand driver licence or passport.

How do I use Humm?
Humm can be used at any Humm retailer. Simply select Humm as your payment method during the checkout process.

Hang on, will my fees be higher with humm?
When you buy a ‘Little thing’ with humm, there are no fees. It’s that simple!

When you buy a ‘Big thing’ you’ll pay an establishment fee of $20 which is charged at time of purchase. Then you’ll pay $2.50 a month.

You’ll only ever pay a single monthly fee regardless of the number of ongoing ‘Big things’ purchases you have made.

What are the fees for late payment?
If your payments don’t reach us by the due date, we will charge you a late payment fee of $10. A $30 collection fee may also be applied if any payment is still outstanding more than 7 days after your due date.

What’s the deal with having two amounts – one for ‘Big things’, one for ‘Little things’?
We get that you have two different types of spending and we’ve built this insight into the way humm works. First, there’s everyday spending – smaller amounts you want to pay back fast. Then, there’s big ticket items, where you need more time to repay. With humm, you can handle both quickly, easily and from the same app. Makes sense, right?

What happens if I cannot make a payment?
Our friendly Humm support team are available to help if you have any questions about your payments. You can reach us via our help & support page or call 0800 189 236.

If your payments don’t reach us by the due date, we will charge you a late payment fee of $10. A $30 collection fee may also be applied if any payment is still outstanding more than 7 days after your due date.

Can I make additional payments or pay off my purchase earlier?
You sure can. Using the Pay Now feature, you can make early repayments on an active purchase at any time. You’ll need to have an active debit or credit card on your account to do this.

If you don’t have an active debit or credit card on your account, simply add one before using Pay Now. Here’s how:

  • Go to Settings, Payment Methods, Add New Card, and fill out the details.

Right now, we’re not set up to process one-off additional repayments through our app or online – but that function is coming soon. Please give us a shout on 0800 189 236 and our Support Team will be able to help

What if I want to return the goods I have purchased?
Simply return your purchase as usual by contacting the retailer and they will handle returns in line with their policy. If a return is accepted, we will refund you the amount agreed with the retailer and adjust or cancel any future payments. We’ll do this as soon as we can, but the process can take time.

Who do I contact about refunds?
You’ll need to contact the retailer you made the purchase from. If a refund is required in accordance with the retailer’s policy or by law and we are told by the retailer to do so, we’ll refund you the amount agreed with the retailer and adjust or cancel any future payments, if necessary. If you have problems after contacting the retailer, contact us via our Help & Support page or call us on 0800 189 236.

I haven’t received my purchase?
If you do not receive your order, please contact the retailer. After talking to the retailer and if you’re still experiencing problems, get in touch via our Help & Support page or by calling our support team on 0800 189 236.

How do I close my Humm account?
Now that your humm purchase has been fully repaid, your account becomes inactive and there are no more fees or charges to pay. However, if you want to purchase something, don’t worry, having an inactive account doesn’t mean you can’t use it, it just means you won’t be charged anything

We’d love to help you with the next ‘Little thing’ or ‘Big thing’ you want to buy, so please head to https://www.shophumm.com/nz for a list of retailers who are humm-ing along with us.

What cards does Humm take?
We accept any Mastercard or Visa credit or debit card that have been issued in New Zealand for Humm payments. Currently, we do not accept any prepaid cards or any credit or debit cards that have been issued outside of New Zealand.

Is there a minimum purchase?
Humm has a minimum purchase of $20. However, merchants may set their own minimum purchase amount above $20.

What do I do if my card has been lost or stolen?
Follow your bank’s lost or stolen process and contact us on 0800 189 236 as soon as possible so we are able to change the card details that your payments are associated with. This will also help avoid any late payment fees incurred due to a failed or late payment.

Can I add / remove a card I would like my installments paid from / to?
Yes, you can change the card your payments are associated with. Simply contact us on 0800 189 236 to talk our support team to update your payment details.

Can I change my payment date?
Sorry, we cannot change your payment due date(s).

Can I change my purchase amount?
Sorry, we cannot change your purchase amount.

Can anyone use Humm?
You must be over 18 years old, have a valid email address and a valid New Zealand mobile number with a Mastercard or Visa credit or debit card issued in New Zealand.

Why have I been declined?
There are several reasons why you could be declined for Humm:

  • you do not live in New Zealand
  • you are not 18 years or older
  • you do not have a New Zealand mobile number
  • you are not using a Mastercard or Visa credit or debit card that has been issued in New Zealand
  • we have not been able to verify your identity

Contact us if you’d like to discuss and let’s see if we can solve it.