Planpay
Planpay is a Sydney-based fintech providing API-first, white-labeled no-debt payment plan technology for merchants in travel, events, retail, education, and weddings, serving consumers who pay in installments using their own funds while merchants receive full payment upfront.
- Company typePrivate
- Founded2022
- HeadquartersSydney, Australia
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Planpay does
Planpay is a Sydney-based fintech founded in 2022 that operates an API-first, white-labeled payment plan technology platform. The product is positioned explicitly as a no-debt alternative to Buy Now Pay Later: customers pay for travel, events, retail, education, and wedding purchases in interest-free installments (weekly, fortnightly, or monthly) using their own money before fulfillment, while merchants receive 100% of the funds directly upfront. There are no credit checks, no lenders in the middle, and no chargeback exposure for merchants because all installments are collected before the trip, ticket scan, or order is fulfilled.
The underlying platform is built around an embedded checkout API that the company states integrates in under 60 seconds, with 100% automated scheduling, collection, retry, and settlement. Core features include zero-interest installment plans, flexible payment scheduling, white-labeled merchant branding, automated reconciliation for finance teams, and Ticket Plus, a module that allows add-ons such as seats, hospitality, parking, F&B, and merchandise to be folded into an evolving plan prior to the event. The company also operates two sub-brands under the PlanPay Group: PlanPay Collect (structured B2B collections) and PlanPay Health (debt-free payment plans for healthcare providers and patients).
Planpay makes money via transaction-based take rates on installment plans processed through the platform; consumers pay no account creation, setup, or processing fees, and merchants are priced via consultation rather than publicly disclosed rates. The company distributes through direct API integration at merchant checkout, a public merchant directory ("Shop") for consumer self-serve discovery, white-label embedding, and payment gateway partnerships. It operates a network of 30+ merchant partners concentrated in travel (Iberostar, Ovolo, Ecruising, TRAVLR, BookaFly, Travello), events (Spark Pop), and adjacent verticals across Australia, New Zealand, Indonesia, and Switzerland, with an LLC entity (PlanPay LLC, Huntersville, NC) supporting US operations. The company is privately held, has not disclosed funding rounds, and is led by Founder and CEO Gary Burrows.
Planpay firmographics
Firmographics- Name
- Planpay
- Legal name
- PlannedPay Pty Limited
- Website
- https://planpay.com
- Company type
- Private
- Founded year
- 2022
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Planpay is a Sydney-based fintech providing API-first, white-labeled no-debt payment plan technology for merchants in travel, events, retail, education, and weddings, serving consumers who pay in installments using their own funds while merchants receive full payment upfront.
- Ownership category
- akta.pro rank
Planpay industry classification
Industry- Product category
- Installment Payment Platform
- NAICS
- Activities Related to Credit Intermediation (5223)
- SIC
- Services-Prepackaged Software (7372), Miscellaneous Business Credit Institution (6159)
- akta.pro primary industry
- Merchant Payment Gateways (API/Hosted Checkout) (FSAMACAA)
- akta.pro secondary industries
- Bill Pay, Invoicing & Payables Platforms (BPAMAFAF), Recurring Billing, Subscriptions & Tokenized Payments (CRAFALAH)
Keywords
Where Planpay is headquartered
LocationHeadquarters
- HQ city
- Sydney
- HQ country
- Australia
- HQ region
- Oceania
Offices1 record
Markets served
Planpay business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Transaction/Installment Processing: PlanPay facilitates installment payments between customers and merchants. Merchants receive 100% of funds directly before fulfillment. The company generates revenue through transaction fees or commissions on payment plans processed through the platform, rather than charging customers interest or fees.
- Business/Partner Pricing: Partner pricing for merchants aligned to customer journey, with consultation-based pricing for integration services. Merchants may require non-refundable deposits or setup fees based on their own terms.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Transaction based/ take rate | Pay-as-you-go | Consumer: No fees, interest-free installments |
| Transaction based/ take rate | Pay-as-you-go | Business: Consultation-based integration pricing |
Go-to-market motion3 records
Distribution channels4 records
Marketing channels5 records
Planpay product offering
Product offeringCore offering
PlanPay provides API-first, no-debt installment payment technology that enables merchants to let customers pay for purchases in scheduled installments before fulfillment, while merchants receive 100% of funds upfront without interest, late fees, or credit checks. The platform supports high-value purchases across travel, events, retail, eCommerce, education, healthcare, and wedding segments, and can be embedded via white-label or API at merchant checkout.
Product overview
PlanPay is a unified payment technology platform offering no-debt, interest-free installment plans. The core PlanPay Platform enables merchants across travel, sports, events, retail, education, and weddings to accept full upfront payment while customers pay in flexible weekly, fortnightly, or monthly installments. The platform includes Ticket Plus for upsell capabilities at checkout, prior to events, and in-venue. PlanPay also operates two sub-brands under the PlanPay Group: PlanPay Collect (structured business collections) and PlanPay Health (healthcare payment plans). All products share a debt-free, pre-fulfillment payment model with API-first integration and white-label capabilities.
Differentiator
Problem solved
Functional benefit
Brands
- PlanPay Collect: Smarter, structured collections that help businesses recover revenue without damaging customer relationships.
- PlanPay Health
Products and services
- PlanPay Platform Core API-first installment payment plan technology that allows merchants to offer customers scheduled pre-fulfillment installments with no interest, no debt, and no credit checks; merchants receive 100% of funds upfront.
- PlanPay Collect Branded installment payment solution tailored for merchants collecting payment plans for goods and services, with automated reconciliation.
- PlanPay Health Healthcare-focused installment payment product from PlanPay that helps patients pay medical costs in scheduled installments before fulfillment without interest or credit checks.
Quantifiable outcome
- 20%+ increase in average order values for merchants
- +6 more outcomes
Companies that use Planpay
Customer profileNamed customers10 records
Segments6 records
Ideal customer profiles6 records
Planpay technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Feature6 records
Planpay partnerships and signals
Strategic signalPartnerships
36 partnerships are on record, tiered core and minor.
- Iberostar HotelscorePremium resort chain offering all-inclusive beachfront and city properties globally. PlanPay available at checkout for customers to lock in pricing and pay off before travel.
- Ovolo HotelscoreDesign-led boutique hotels with all-inclusive perks across Australia and Hong Kong. PlanPay available at checkout. Featured in PlanPay case studies.
- Play TravelcoreAdventure travel and group tours across Australia. Curated trips and experiences with flexible pre-departure payment plans through PlanPay.
- The Bali BibleminorBali travel guide with bookable stays. Resorts, villas and experiences across Bali with PlanPay available at checkout.
- TravluxeminorLuxury travel experiences with concierge-led planning and flexible payments. Curated escapes and premium itineraries paid off before departure.
- Express FlightsminorDomestic and international flights with structured pre-travel payments. Competitive airfares and hotel bundles with PlanPay at checkout.
- Ecruising TravelcoreAward-winning cruise specialists with flexible pre-departure payment plans. Ocean, river and expedition cruises worldwide secured with PlanPay at checkout.
- Terra Nova ExpeditionsminorSmall-ship expedition cruises to remote destinations including polar regions and rare itineraries. Paid off before sailing with PlanPay.
- Haram TravelsminorHajj, Umrah and global travel packages with flexible pre-departure installments. Faith-based travel specialists with PlanPay at checkout.
- Ride The World Motorcycle ToursminorGuided motorcycle adventures across the globe. Bucket-list routes and small-group tours with PlanPay available at checkout.
- HolidayMoreminorHoliday packages with flights, hotels and activities bundled into one easy plan. Pay off getaway in scheduled installments before travel.
- Intro TravelminorGroup tours for young travellers across Bali, Thailand, Europe and beyond. Adventure paid off in scheduled installments before departure.
- Spark PopcoreEvents and experiences booked now and paid off before the day. Concerts, sports and entertainment tickets with flexible debt-free payment plans.
- Mummu TravelminorTravel planning with flexible payment schedules and no-debt model. Experienced consultants craft personalised itineraries with PlanPay at checkout.
- Wandr TravelminorTravel offers with PlanPay available directly at signup. Curated deals and holiday packages built around budget and pay cycle.
- BookaFlycoreFlights, hotels, and activities with easy prepaid planning. Great savings and discounted experiences worldwide secured with flexible installments.
- TravellocoreTours and travel experiences supported by budget-friendly installments. Small-group adventures and day trips across Australia and New Zealand.
- JT TravelminorTravel bookings with flexible debt-free payment path. Flights, hotels and packages tailored to plans with simple pre-travel installments.
- Bogentrakt HostelminorSwitzerland hostel experience. Pay off stay before check-in with flexible debt-free budgeting.
- Exotic EscapesminorCurated escapes paired with simpler pre-travel payment journey. Luxury and boutique getaways across Australia and the Pacific.
- SkymateminorFlight planning with clear scheduled payments before travel. Domestic and international fares from New Zealand with upfront installments.
- ZM TravelsminorTravel bookings with lighter upfront commitment and better planning. Global flights, hotels and tours supported by flexible pre-departure payments.
- Zest4TravelminorSpecialist travel bookings supported by simple debt-free installments. Custom journeys and group trips from New Zealand.
- I'm With YouminorAccessible holidays planned around needs. Transport, accommodation and activities for hassle-free getaway with upfront installments.
- Ultimate JourneysminorHigh-value journeys made more reachable through upfront installments. Luxury expedition cruises and rare experiences paid off before departure.
- PaperBark CampminorBoutique safari-style accommodation with clearer path to pre-arrival payment. Luxury tents and wilderness retreats on NSW South Coast.
- Ask BenedictminorHoliday bookings with flexible pre-travel payment option. Flights, hotels and packages across Australia and Pacific with PlanPay at checkout.
- Greenfields Albert ParkminorMelbourne venue bookings couples can lock in and pay off peacefully. Elegant event spaces and wedding packages with structured pre-celebration payments.
- Backpacker DealsminorAdventure deals with manageable installments. Tours, activities and experiences across Australia and New Zealand with no-debt plans.
- Yonda Holiday ClubminorHoliday club travel access with simpler payment timing. Members unlock curated getaways and pay off before departure with PlanPay.
- Latitude 33minorTravel planning with lower friction and no-debt installments. Bespoke itineraries and luxury escapes crafted around budget and timeline.
- Travel CraftersminorCurated travel packages made easier to budget and prepay. Family holidays, group trips and solo escapes with flexible pre-travel installments.
- Luxe BreaksminorPremium stay bookings with flexible no-surprises payment experience. Luxury accommodation across Australia with structured installments before arrival.
- Explore TravelminorTravel bookings supported by structured installments before departure. Flights, cruises and packages for leisure and corporate travellers.
- PlanPay CollectcoreGroup company offering smarter structured collections that help businesses recover revenue without damaging customer relationships. Part of PlanPay Group.
- PlanPay HealthcoreGroup company offering flexible debt-free payment plans built for healthcare providers and patients. Part of PlanPay Group.
Scale indicators8 records
Recent moves6 records
Expansion highlights5 records
Planpay competitors and assessment
Company assessmentBroad incumbents
- Klarna: Global BNPL incumbent with deep travel and event merchant relationships. Competes for embedded checkout at large merchants and has the brand and capital to outpace niche entrants.
- Affirm: US-listed BNPL provider with strong travel vertical partnerships. Competes for the same Aspirational Buyer / Early Committer persona, especially on higher-value purchases.
- Afterpay: Global BNPL leader (now part of Block) with a strong travel and lifestyle merchant footprint. Direct category competitor for merchant checkout real estate, though Afterpay extends credit at point of sale rather than collecting pre-fulfillment.
Direct peers
- Uplift: Travel-specialist BNPL focused on flights, hotels and cruises. Most direct functional peer to PlanPay's travel-heavy merchant mix; targets the same 'pay over time for trips' use case.
- Sezzle: Public BNPL platform offering pay-in-four installments with merchant checkout integration. Comparable product shape and merchant GTM, with greater scale and capital access.
- Splitit: Installment payments on existing credit cards without new credit lines. Closest functional analog to PlanPay's no-new-debt positioning, though Splitit relies on card rails rather than pre-payment collection.
- Zip: ANZ-headquartered BNPL platform operating across Australia, New Zealand and the US. Closest geographic and category peer; competes for the same travel and lifestyle merchants, but with a credit-based installment model.
- Laybuy: ANZ-origin BNPL platform offering weekly installments. Similar weekly-payment cadence and target persona, providing head-to-head competition for ANZ merchants and consumers.
Emerging players
- Atome: Asia-headquartered BNPL (owned by Advance Intelligence) with strong travel and retail merchant presence in Southeast Asia. Regional competitor where PlanPay is expanding (Indonesia, broader Asia).
Regional players
- Openpay: Australian BNPL focused on larger-ticket, longer-duration plans across healthcare, automotive, and education. Direct ANZ competitor in verticals where PlanPay Health operates.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat4 records
Key risks5 records
Key highlights6 records
Customer concentration
Planpay social profiles
Digital presencePlanpay compliance and trust
Trust signalCompliance3 records
Planpay financial estimates
Financial estimateRevenue estimate
Valuation estimate
Planpay leadership team
Management profileNumber of profiles
Profiles1 record
Planpay subsidiaries and ownership
Company hierarchySubsidiaries2 records
Planpay funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Planpay M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Planpay
What does Planpay do?
PlanPay provides API-first, no-debt installment payment technology that enables merchants to let customers pay for purchases in scheduled installments before fulfillment, while merchants receive 100% of funds upfront without interest, late fees, or credit checks. The platform supports high-value purchases across travel, events, retail, eCommerce, education, healthcare, and wedding segments, and can be embedded via white-label or API at merchant checkout.
Is Planpay a public or private company?
Planpay is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Planpay founded?
Planpay was founded in 2022. It employs 11 to 50 people.
Where is Planpay based?
Planpay is headquartered in Sydney, Australia, in the Oceania region.
How does Planpay make money?
Two revenue lines are on record. Transaction/Installment Processing is the primary driver. The others are business/Partner Pricing.
Who are Planpay's main competitors?
Broad incumbents on record are Klarna, Affirm and Afterpay. Direct peers are Uplift, Sezzle, Splitit, Zip and Laybuy. Atome is listed as an emerging player. Openpay is listed as a regional player.
Does Planpay have an API?
Yes. Planpay exposes a public API. Developer documentation is at docs.planpay.com/docs/category/developers?utm_source=planpay.com&utm_medium=navigation&utm_campaign=marketing.
What industry is Planpay in?
Planpay's product category is Installment Payment Platform. Its primary akta.pro industry code is FSAMACAA, Merchant Payment Gateways (API/Hosted Checkout), with a secondary code of BPAMAFAF, Bill Pay, Invoicing & Payables Platforms. Its NAICS code is 5223 and its SIC code is 7372.