FAQs | IPromise | Your Fair and Secure Payment Provider

Q: Does IPromise offer finance?

If you require finance to pay for work you need completed (like a house renovation / professional services) or if you are buying an item (like a car / electronics), you can apply for finance from our finance partner – Finance Now. See here for more info.

Q: Can I pay by credit card?

[fusion_builder_container type="flex" hundred_percent="no" equal_height_columns="no" hide_on_mobile="small-visibility,medium-visibility,large-visibility" background_position="center center" background_repeat="no-repeat" fade="no" background_parallax="none" parallax_speed="0.3" video_aspect_ratio="16:9" video_loop="yes" video_mute="yes" border_style="solid"][fusion_builder_row][fusion_builder_column type="1_1" layout="1_1" background_position="left top" border_style="solid" border_position="all" spacing="yes" background_repeat="no-repeat" margin_top="0px" margin_bottom="0px" animation_speed="0.3" animation_direction="left" hide_on_mobile="small-visibility,medium-visibility,large-visibility" center_content="no" last="true" hover_type="none" min_height="" link="" background_blend_mode="overlay" first="true"][fusion_text] Yes, you can pay for quotes from Suppliers/Sellers who are using IPromise with your NZ Credit or Debit Card, up to a limit of $10,000. [/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

Q: I want to purchase an item from an e-commerce site but I'm unsure if the item will be delivered to me or meet my expectations. How do I use IPromise to complete the transaction?

Contact the seller and explain you want them to use IPromise to complete the transaction. Click here to send a prewritten email to the seller. You'll need to enter their email address.

Q: I'm selling an item on Trade Me or Facebook Marketplace, can I use IPromise to secure a buyer payment before I send the item?

Yes. IPromise is a fair and secure payment method for handling your online payment and making sure the item is delivered.

Q: The buyer provides me with the item(s) and they are either damaged or not in the condition I expected. What should I do?

[fusion_builder_container type="flex" hundred_percent="no" equal_height_columns="no" hide_on_mobile="small-visibility,medium-visibility,large-visibility" background_position="center center" background_repeat="no-repeat" fade="no" background_parallax="none" parallax_speed="0.3" video_aspect_ratio="16:9" video_loop="yes" video_mute="yes" border_style="solid"][fusion_builder_row][fusion_builder_column type="1_1" layout="1_1" background_position="left top" border_style="solid" border_position="all" spacing="yes" background_repeat="no-repeat" margin_top="0px" margin_bottom="0px" animation_speed="0.3" animation_direction="left" hide_on_mobile="small-visibility,medium-visibility,large-visibility" center_content="no" last="true" hover_type="none" min_height="" link="" background_blend_mode="overlay" first="true"][fusion_text] Firstly, do not accept that the transaction is ‘Completed’. Never release the payment to the seller (via the IPromise app) until you are 100% satisfied the item(s) you purchased arrived as you expected and quoted. Contact the seller immediately and tell them why you are not accepting the item(s). Take photos and record what is not meeting your expectations. You need to pay and arrange a safe transfer back to the seller, take a photo of proof of return to the seller and the condition the item(s) were in. Follow the refunds / disputes process and ultimately request a refund via the IPromise refund authorisation form . Open, honest and fair communication is essential throughout the process by both parties. [/fusion_text][/fusion_builder_column][/fusion_builder_row][/fusion_builder_container]

Q: The buyer is asking me to send the item(s) before they have secured the quote by payment into IPromise's BNZ Trust Account (escrow account). Should I do this?

No, only send or hand over the agreed item(s) once the quote has been secured with payment into IPromise's BNZ Trust Account (escrow account).

Q: I have two or more potential buyers for an item, do I send IPromise quotes to them all?

No, absolutely not. It is important to firstly agree on a price with one buyer and then send one quote per transaction. If you want the buyer to decide quickly, we recommend putting a very short expiry date on the quote e.g. one day. That way if the buyer doesn't secure the quote before it expires, you can send a new quote to another buyer. N.B.: You can quickly edit the expired quote and send it to another buyer to save you time.