Frequently Asked Questions

• Where can I use my EZPAY account?
  You can use your EZPAY account at any red rat store and the following websites.
  
  https://www.redrat.co.nz
  https://www.homie.co.nz
• What is EZPAY?
  A Flexible Finance option that makes shopping with us easy
• How does EZPAY work?
  Red Rat offers an extended purchase limit for approved EZPAY customers to shop now, pay later
• What do I need to apply for EZPAY?
  You must be over 18 and a New Zealand resident. You need to provide one primary or two secondary IDs, and a proof of bank account. Please note that EZPAY is currently only available for New Zealand customers
• How do I sign up for an EZPAY account?
  Simply complete our EZPAY application form online (link to form), submit it through online or visit your
  nearest red rat store with a copy of your ID and proof of bank account. You can also call 0800728728 to request a home visit if possible (depending on the distance from the nearest store).
• When can I shop?
  If your EZPAY application is approved you can shop after a successful direct debit payment.
• Identity verification requirements?
  The Amended Identity Verification Code of Practice 2013 permits the following options for documentary verification of name and date of birth.

  Option 1

  One of the following:
  • New Zealand passport.
  • New Zealand certificate of identity.
  • New Zealand refugee travel document.
  • New Zealand firearms licence.
  • Overseas passport or similar document issued for the purpose of international travel which: Contains the name, date of birth, a photograph and the signature of the person in whose name the document is issued; and is issued by a foreign government, the United Nations or an agency of the United Nations.
  • A national identity card issued for the purpose of identification that: Contains the name, date of birth and a photograph of the person in whose name the document is issued and their signature or other biometric measure included where relevant; and is issued by a foreign government, the United Nations or an agency of the United Nations.

  Option 2

  Two forms of identification, being one of:
  • New Zealand full birth certificate;
  • Certificate of New Zealand citizenship.
  • Citizenship certificate issued by foreign government.
  • Birth certificate issued by a foreign government, the United Nations or an agency of the United Nations.
  And one of:
  • New Zealand driver licence.
  • 18+ Card.
  • Valid and current international driving permit.

  Option 3

  • New Zealand driver licence
  And one of:
  • Confirmation that the information presented on the driver licence is consistent with records held in the National Register of driver licences e.g. through Centrix SmartID.
  • A document issued by a registered bank that contains the person's name and signature, for example a credit card, debit card or EFTPOS card. Note: The bank card must have the customer's name embossed on the card. A copy of the credit card must not be kept in either paper or scanned form and the credit card number must not be written down.
  • A bank statement issued by a registered bank to the person in the 12 months immediately preceding the date of the application.
  • A document issued by a government agency that contains the person's name and signature (e.g. a SuperGold Card).
  • A statement issued by a government agency to the person in the 12 months immediately preceding the date of the application (e.g. a statement from the Inland Revenue Department).