Frequently Asked Questions - Consumers

Adding Wippy to Your Insurance Policy  

By adding Wippy as the Additional First Loss Payee on your auto insurance policy, you’ll save money!

Adding us to your policy ensures that any insurance company payoff will be co-payable to Wippy in the event your vehicle is written off for any reason.

Adding Wippy is easy and should not affect your insurance premium. Upload your confirmation within ten (10) days of the repair and you won’t have to pay the applicable monthly fee.

Unable to add us to your insurance?
If you’re unable to add us to your policy, a small fee, ranging from $3.95 to $19.95 (depending on the original amount paid by Wippy to the Retail Partner), will be added to your payments each month based on the breakdown below:
$500 – $1,500: $3.95
$1,500.01 – $3,000: $5.95
$3,000.01 – $5,000: $8.95
$5,000.01 – $7,500: $14.95
$7,500.01 – $10,000: $19.95

Proof of being added as a Loss Payee can be provided to Wippy at any time. Once provided, the default fee will cease.

What is required to activate my payment plan?  

Don’t have a Wippy Pay profile set up yet? All you need to do is to enter your licence plate and mileage to view your spending limit, and then you can select your preferred payment plan program and create your profile.

Once a program is selected, you will need to enter your email. Then, just follow the steps in that email to finish creating your profile.

Tip: be ready to take a photo of your driver’s license and vehicle ownership.

Once your profile is set up, make sure you select which Retail Partner you’re working with as they will be required to submit the final details of the work being done on your car. Once all the items are submitted you will receive a notification to sign the Agreement.

Already have a Wippy Pay profile set up?
Start off by clicking here to login. Once logged in, click on “My Vehicles” to view all of the vehicles added to your account.
Don’t see the car you want to get work on? Just click on “Add New Vehicle”.

Once you find the car in your profile, click on it to get to the details page of the car. Once here, just click on “Pay with Wippy Pay”.

How do I make payments?  

All Wippy Pay plans are set up using pre authorized payments through your bank account. Unfortunately, we do not accept regular payments in the form of cash, cheque or credit cards.

Additional payments can be made via Email Money Transfer or by Visa Debit.

If using Email Money Transfer, please contact us on Live Chat so we can provide you with the correct email to send the funds to. Once the payment is made, please follow up with a Live Chat agent to ensure the amount was applied correctly to your account.

If you would like to make a payment using Visa Debit, please contact us via Live Chat.

Will I save money if I prepay the payment plan early?  

YES! All Wippy Pay plans are fully open; the sooner you pay off the balance, the more you can save!

Does Wippy pay the Retail Partner directly?  

Yes! Once you and the Retail Partner have both signed the payment plan agreement, we authorize the payment to be sent directly to their bank account.

I have an existing Wippy Pay payment plan, am I able to get another one?  

Yes! We don’t have any restrictions on the number of payment plans you maintain. You can set up as many vehicles in your account as you would like as you can also add as many loans on each vehicle as needed as long as you don’t spend more than your current authorized spending limit.

For example, if your spending limit is $10,000 on a vehicle, you may start a payment plan for $5,000, another one for $2,000 and a third for $3,000. The only requirement is that all of your current payment plans with us are in good standing.

Where can I find your Privacy Policy and Terms of Agreement?  

To access the full Privacy Policy and Terms of Agreement click here. You can also find it in the footer of our website.

Is my information protected?  

Yes, all personal data is protected by our secure network. We protect this data with multiple layers of security, including leading encryption technology like HTTPS and Transport Layer Security. We continuously monitor our services and the underlying infrastructure to protect them from threats, including spam, malware, viruses, and other forms of malicious code.

We never give access to your data or our servers that store your data or sell your information to third parties. Please read our Terms of Agreement and Privacy Policy to learn more.

I am not receiving emails from Wippy  

If you’re not receiving emails from us, it’s likely due to your spam filter, but it may also be one of the few reasons below.

1. Have you looked in the “All Mail” label for the missing messages? What about “Trash” (or “Bin”, but not “[imap]/Trash” or anything else)? What about “Spam”?

2. Have you used the Search Mail function (with the term “in: anywhere”) at the top of the page to look for the missing messages?

3. Is the account full? Looking below the inbox, how much space, out of how much total, does it say is being used?

4. Did the senders get any sort of bounced/failed/rejected messages returned to them (post the full headers here)? If you still haven’t been able to solve this issue, contact us at [email protected] or use the live chat on our website.

5. Have you tried sending yourself a test-message from a non-Gmail account? Have you tried sending a test-message to that non-Gmail account and replying? Does either direction work?

Does using Wippy Pay affect my credit score?  

We never check credit when opening an account, and we also do not report to any credit reporting agencies on the performance of the account.

Can the vehicle be Leased or Financed?  

Eligible vehicles can be added to your profile regardless if they are leased or financed.

Frequently Asked Questions - Businesses

Why don’t I appear in the Retail Partner Locator tool?  

Can’t find your business in our locator tool? Speak to your dedicated Partner Growth Consultant today to see how you can take part in our free lead generation program.

How can I update my store information on the Retail Partner Locator in the Wippy directory?  

Simply login to your profile and select “Profile” in the left-hand navigation menu. From there, you can use the menu at the top of the “Settings’’ window to update your business profile, logo, storefront image, and business description. You can also use this menu to update your banking information, and request a digital widget or get on the waiting list for an in-store Wippy kiosk unit.

Do you offer after hours customer service?  

You can submit inquiries 24/7 directly to Wippy through the Live Chat located at the bottom right of your screen. Messages will be responded to during normal business operating hours.

How do I correct or update a payment plan request?  

Any information that needs to be edited can be updated at any time by both the customer and the Retail Partner up until the payment plan is activated. All you need to do is login to your account, then click on “Payment Requests” on the left to view all of your account activity. 

What documents need to be signed to activate a payment plan?  

Once the work has been completed and the vehicle is ready to be picked up, the customer will electronically sign the payment plan agreement. Once they sign, you will get an email prompt to sign the agreement as well. Once complete you’ll receive an email notifying you that your payment is on its way.

Are there any restrictions on what a Wippy Pay payment plan can be used for?  

Wippy Pay payment plans can be used for any vehicle repair including collision and rust repairs, rims and tires, electrical repairs, and all mechanical repairs. They can be also used for general vehicle maintenance, as well as almost all automotive accessories and upgrades as long as it also includes installation.

Unfortunately, our payment plans cannot be used for parts-only purchases and must include the installation of any parts purchased.

How does it work for franchises or companies with multiple locations?  

To register a business with multiple locations, each location will be required to complete the activation form located here. Then, we can create an account just for the Head Office.

What is the cost to be able to offer Wippy Pay to my customers?  

Wippy does not charge a fee to offer Wippy Pay and it carries no risk. Once your registration is complete and has been verified, someone from our team will reach out to set up a quick training session to walk through the program details.

If you are interested in becoming a Wippy Pay Retail Partner and want to have the ability to accept alternative payment methods then speak to your dedicated Partner Growth Consultant today to go over the cost and benefits of the programs offered.

What are the payment plan programs offered by Wippy Pay?  

Accepting Wippy Pay will allow you to offer your customers the ability to pay for an invoice over a 12 to 48 month term at an interest rate LOWER than most credit cards. 

0% Interest programs are also available ranging from 3 month to 24 month terms.