Add finance to your business

etika lets you embed powerful & secure finance into your business.

Browsers become buyers

Deliver the right offer to your customers at the right time and in the right place. Turn your browsers into buyers, increase your average order value, and expand your customer base.

Spread the cost

With our sustainable business model and best-in-class user experience, we help you build stronger relationships with your customers. We see an average conversion rate of 81.8%.

Next day settlements

Settlements are paid directly into your bank account each day and our merchant fees are transparent.

A seamless integration

Easily integrate with popular platforms such as Magento, Magento 2 and Woocommerce. Support is available in-house.

A custom solution

You can choose the amount, duration, and frequency of payments that suit your needs.

Longer terms

Spread the cost of large purchases.

Built in-house

Built in-house, with full control over core systems, and with local support.

Custom branding

Add your logo and brand colors to make it your own.

Easy integration

With our simple API documentation, you'll be up and running in no time.

Easy integration

With our simple API documentation, you'll be up and running in no time.


Incentivise the borrower by paying a portion of their loan repayment.

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Contact us

Contact Support

If you are a merchant and would like to learn more about partnering with etika, please send us a message and we will contact you.

Our office hours are Monday to Friday from 8am to 5pm (AEDT).
1300-FAIRER (324 737)

Frequently asked questions

How do I sign up?

To start offering etika as a payment option, please contact us to find out more

How can I contact you?

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

Why should I offer you?

We help you grow your business by offering your customers a 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.

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 if it’s outside of business hours.

How much does it cost?

There are no set-up or integration costs, we charge a fee on each transaction.

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.

Is my information secure?

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.

How do I resolve a dispute?

If you have a concern with our services please email us to lodge a complaint.

How and when do I get paid?

We settle all transactions on the next business day into your nominated bank account. The agreed merchant fee will be deducted from the payment.

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

How do I change any of my details?

Just log in to your business portal and go to 'Account' 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.

How do I issue a refund?

If you have our etika solution integrated within your eCommerce platform, you can process the refund in your eCommerce platform, like you normally would. It will flow through automatically into our system.

If you use our merchant portal instead, you can process the refund there.

The refund will be processed by us and will be accounted for in ‘Settlement’ at the next settlement date.

How do my customers get refunds?

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.

For example: If the order value is $100 and they have made a $25 payment already-  if a refund of $60 has been agreed on, we will cancel their 3rd and 4th instalments of $25, and reduce the 2nd instalment to $15. They will pay the 2nd instalment of $15 as per their payment schedule.

Full Refunds
We will automatically cancel their payment schedule, so they are no longer charged for the order. We will process a refund of their upfront payment and any other payments made, back to their card.

For example: If their 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).

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