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FLEXI-PAY
Flexible Payment Plans
We are pleased to offer our clients a convenient way to pay for all their service needs at Muse Salon-
plus our online webstore! (Laybuy available).
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Muse now accept Humm & Afterpay- payment options both in-salon, and Laybuy payment option, both in-salon and online.
Available in-store only.
Available in-store & online.
Online only.
Available in-store only.
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What is Humm?
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Humm lets you spread the cost of your purchases over 5 fortnightly, or 10 weekly payments, making buying what you want that much easier.
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Who can use Humm?
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You can access Humm if you:
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Live in New Zealand
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Are at least 18 years old
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Have a valid and verifiable email address and a New Zealand mobile number
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Have a New Zealand Mastercard or Visa credit or debit card
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Have a New Zealand residential and shipping address
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Have a New Zealand drivers licence
How do I use Humm?
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Simply select Humm as your payment method during the checkout process in salon.
What does it cost to use Humm?
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Nothing, as long as each of your payments reaches Humm by the due date.
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What are the fees for late payment?
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If your payments don’t reach Humm by the due date, they 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.
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When are my fortnightly payments processed?
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Your first payment is made when you make your purchase and will be 25% of the purchase price for any purchase under $1,000. If you purchase something over $1,000 (up to a maximum of $1,500) your first payment will be $250 plus the amount over $1,000. Each subsequent instalment is charged every fortnight after the purchase date.
For example:
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Purchase Price
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$500.00
Humm Payment Schedule
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Instalment 1 - $100 due on 1 June (today)
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Instalment 2 - $100 due on 15 June
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Instalment 3 - $100 due on 29 June
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Instalment 4 - $100 due on 13 July
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Instalment 5 - $100 due on 27 July
When are my weekly payments processed?
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Your first payment will be 12.5% of the purchase price for any purchase under $1,000. The first payment is charged at the time of the purchase. If you purchase something over $1,000 (up to a maximum of $1,500) your first payment will be $125 plus the amount over $1,000. Each subsequent instalment is charged every week after the purchase date.
For example:
Purchase Price
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$500.00
Humm Payment Schedule
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Instalment 1 - $50.00 due on 1 July (today)
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Instalment 2 - $50.00 due on 8 July
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Instalment 3 - $50.00 due on 15 July
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Instalment 4 - $50.00 due on 22 July
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Instalment 5 - $50.00 due on 29 July
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Instalment 6 - $50.00 due on 5 August
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Instalment 7 - $50.00 due on 12 August
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Instalment 8 - $50.00 due on 19 August
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Instalment 9 - $50.00 due on 26 August
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Instalment 10 - $50.00 due on 2 September
When is the weekly payment option not available for use?
When your purchase is under $40 or in-store, or at selected retailers in store where fortnightly payments will automatically be the default. If you would like to set weekly payments as your default option, please log into your Humm account and select ‘Weekly’ as your default payment preference.
What happens if I cannot make a payment?
The friendly Humm support team are available to help if you have any questions about your payments. You can reach their Help & Support page or call 0800 189 236.
If your payments don’t reach Humm by the due date, they 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?
Absolutely. Humm charges no fees to make payments early. If you would like to do this, please log into your account and select ‘Pay Now’.
What if I want to return the goods I have purchased?
Simply return your purchase as usual by contacting Vivo and they will handle returns in line with our policy. If a return is accepted, Humm 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 Vivo. If a refund is required in accordance with the our policy or by law, we’ll refund you the amount agreed with and adjust or cancel any future payments, if necessary.
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How do I close my Humm account?
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You can close your Humm account by contacting Humm via their Help & Support page or calling the support team on 0800 189 236. Please note, all outstanding amounts will need to be paid in full before you can close your account.
What cards does Humm take?
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Humm accept any Mastercard or Visa credit or debit card that have been issued in New Zealand for Humm payments. Currently, Humm do not accept any prepaid cards or any credit or debit cards that have been issued outside of New Zealand.
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Is there a maximum purchase?
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A single Humm purchase can be up to $1,500.
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Is there a minimum purchase?
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Humm has a minimum purchase of $20.
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What is the maximum amount of Humm arrangements I can have with you?
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The total sum of all your Humm arrangements can’t exceed $1,000 at any one time, and you can’t have more than 5 active purchases.
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What do I do if my card has been lost or stolen?
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Follow your bank’s lost or stolen process and contact Humm 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.
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Can I add / remove a card I would like my instalments paid from / to?
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Yes, you can change the card your payments are associated with. Simply contact Humm on 0800 189 236 to talk our support team to update your payment details.
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Can I change my payment date?
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Sorry, Humm cannot change your payment due date(s).
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Can I change my purchase amount?
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Sorry, Humm cannot change your purchase amount.
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Can anyone use Humm?
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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.
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I have tried to make a purchase but the transaction has declined. Why?
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When Humm approve a new purchase they do a few checks for you to determine if:
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the purchase is within the maximum purchase limit ($1,500);
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whether the total of your instalment payment(s) will exceed $250 per fortnight; and
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the maximum amount of all Humm balances owing you currently have with us is not more than $1,000.
These checks are in place to ensure your repayments are easy to manage and friendly on your wallet.
Other reasons why your transaction could decline could be due to general system or website errors, or you have not registered for Humm.
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Why have I been declined?
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There are several reasons why you could be declined for Humm:
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you do not live in New Zealand
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you are not 18 years or older
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you do not have a New Zealand mobile number
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you are not using a Mastercard or Visa credit or debit card that has been issued in New Zealand
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we have not been able to verify your identity
Contact Humm if you'd like to discuss on 0800 189 236.
Available in store and online.
What is Afterpay?
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Afterpay offers simple instalment plans for online shoppers, allowing a purchase to be paid for in four instalments, due every 2 weeks.
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Simply shop with one of your favourite stores found in the Shop Directory and choose Afterpay as your payment method at checkout. First-time shoppers provide payment details as usual, returning shoppers simply log in to make their purchase. It’s that easy!
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After you check out, the goods will be shipped to you (for online shopping). At any time, you can log in to your Afterpay account to see your payment schedule and make a payment before the due date. Otherwise we will automatically take the money from your debit or credit card every 2 weeks.
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Please Note:
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Afterpay does not approve 100% of orders. Afterpay are committed to ensuring we support responsible spending.
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When determining which orders to approve, Afterpay considers a number of different factors. As an example, the longer you have been a shopper with Afterpay and the more orders you have successfully repaid, the more likely you will be able to spend more.
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Who can use Afterpay?
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Afterpay is available to people who:
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Live in New Zealand;
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Are at least 18 years old;
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Are capable of entering into a legally binding contract;
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Have a valid and verifiable email address and mobile number; and
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Use a New Zealand credit or debit card to make the purchase.
You do not need to register prior to making your first Afterpay purchase.
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When you are making a purchase with one of our favourite stores found in the Shop Directory, simply choose Afterpay as your payment method at checkout. If it’s your first time using Afterpay, you will provide payment details as usual to complete your purchase.
Once your first order is approved, your Afterpay account is created. All you need to do is visit www.afterpay.com to set up a password, and you will be able to make more purchases using Afterpay by simply entering your log in details upon checkout.
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Make shopping even easier by downloading our APP - now available at APP store and Google Play.
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How do I use Afterpay?
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Simply select Afterpay as your payment method during the checkout process.
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What does it cost to use Afterpay?
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Nothing, as long as each of your payments reaches Afterpay by the due date.
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What are the fees for late payment?
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You can make repayments to Afterpay any time BEFORE the due date. Otherwise, Afterpay will automatically try process payments on the scheduled dates from your card. If a payment is not processed on or before the due date, late fees will apply – initial $10 late fee, and a further $7 if the payment remains unpaid 7 days after the due date.
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For each order below $40, a maximum of one $10 late fee may be applied per order. For each order of $40 or above, the total of the late fees that may be applied are capped at 25% of the original order value or $68, whichever is less. See Schedule 1.
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If you won’t be able to pay us on time, please contact us as soon as possible.
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When will my first payment be taken?
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In New Zealand - you will more than likely pay the first instalment of the purchase price at the time you place the order. If you have been shopping with Afterpay for some time, and have a really good repayment history. You may find that we defer taking the first payment until 2 weeks after you make your purchase.
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In all cases you will be notified on screen if the first payment is due there and then or if it will be deferred by 2 weeks.
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First payment higher than the other three?
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For some purchases, if your total order amount exceeds your Afterpay-approved spending limit The first payment may be higher than subsequent payments. Afterpay will show you how the instalments are split before you pay.
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Is Afterpay safe and secure?
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Yes, Afterpay understand how important security is so we ensure that your personal information is protected. Afterpay is a PCI DSS Level 1 certified compliant Service Provider organisation. PCI DSS is a comprehensive set of requirements created by the Payment Card Industry Security Standards Council to enhance cardholder data security and to ensure the safe handling and storage of sensitive credit card information and data.
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This is the highest level of security in the payment industry.
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More Questions?
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Check out the FAQ section on the afterpay website.
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What is Laybuy?
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Laybuy lets you recieve your purchase now and spread the total cost over 6 weekly automatic payments, interest free.
Easy Payments at your fingertips
You can manage all your payments both online and in store via your Laybuy dashboard. you can complete multiple transactions at once, track your spending and much more.
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Who can use Laybuy?
Laybuy is available for New Zealand, Australian and UK residents who are at least 18 years old.
Before you can use Laybuy you need to provide us with your full name, residential address, email address and your mobile number for the credit check/verification.
We will also need your Visa Debit or Credit Card details so that we can deduct the amounts in connection with your purchase.
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How do I use Laybuy?
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Simply select Laybuy as your payment method during the online checkout process.
What does it cost to use Laybuy?
Laybuy doesn't charge you any interest or upfront fees.
If you miss a payment you will be notified immediately. A late payment fee may be charged in respect of each payment you fail to make on time. Any payment default may also result in our debt collection service contacting you and/or your credit score being affected.
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What happens to my future instalments if I pay one off early?
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If you decide to pay off an instalment earlier than the due date, this will not affect any future instalment due dates.
For example, if you pay instalment two of six, instalment three will still be due on the same date and will not change.
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What do I do if payments fail?
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If your payment fails, Laybuy will send a notification by email.
Please Log in to your Laybuy account and select;
1. "Payment Schedule", then
2. Next to the overdue payment select "Pay Now"
3. Choose the desired payment method and select "Submit Payment"
Be sure to make this payment within 24 hours of your instalment declining to avoid late penalty fees.
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What if I would like to change my payment date?
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Sorry but we Laybuy can't change your payment schedule once an order has been processed.
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Luckily enough, Laybuy has a built in feature of which you can change your payment date for the following five instalments before confirming your purchase. You will see this drop down box before confirming your order.
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Please do note: Be sure to triple check when your second instalment is being deducted, as this may fall within the same week to ensure your weekly payments are kept within six weeks.
