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Thanks for shopping with us. Genoapay is no longer available for customers or merchants. But don’t worry, Gem is still here for your life’s moments big and small.

What's happening

  • Genoapay is no longer available in New Zealand.
  • We will close all customer accounts once any outstanding balance has been paid.

Want to know more about the Genoapay Closure?

As you may be aware, Genoapay closed on 11th April 2023. Thank you for being a customer, we’ve loved helping you shop for life’s moments big and small, but we had to make the difficult decision to stop offering this service. However, we are still here to support you and here is what you need to know:

Merchant FAQs

Good shopping is in our DNA.

When you've been around for over 100 years, you understand when your customers shopping needs are changing. That's why we know the time is right to close Genoapay. The good news is, we have other options like a Gem Visa that offers Interest Free* payment options to keep you covered.

Important information

Lending criteria, T&Cs & fees apply incl. $55 estb. fee & $65 annual fee ($32.50 half-yearly). Interest 29.49% p.a. (subject to change) applies after this interest free term ends, and after any interest free term on other purchases. Further information on rates and fees can be found at gemfinance.co.nz.
Note: Effective from 23 September 2026, the interest rate will increase to 29.95% p.a.

Latitude Innovation Holdings Limited is a registered Financial Service Provider FSP646749. Genoapay is provided by Latitude Innovation Holdings Limited. We are a member of the Insurance & Financial Services Ombudsman Scheme (IFSO).