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Have a question? Our Online Customer Service team are available to answer all your questions on PH: 03 9311 0913, 7 days a week between 10:30am to 4pm AEST.
Have a question? Our Online Customer Service team are available to answer all your questions on PH: 03 9311 0913, 7 days a week between 10:30am to 4pm AEST.

Zippay

The smarter way to pay for what you want today


Want it
Create your account in moments and select
Zip at checkout

Get it
We pay the store, you get the goods, 
nothing to pay today

Own it
Choose how you pay us back over time,
interest free

 
Reusable account
We give you one account with one monthly statement, no matter how many times you shop

 
Interest free
No interest, hidden fees or upfront payments

 
Flexible payments
Choose repayments that suit your lifestyle – weekly, fortnightly or monthly

 


Create your account

We only charge a $6 monthly account fee when you have an outstanding account balance. If you pay off your balance by the due date, we’ll waive the fee.

FAQs

What is Zip Pay?

Zip Pay is a reusable account of up to $1000 that lets you shop now and pay later. No upfront payments and interest free always. Make as many purchases as you like up to your account limit, then set up flexible repayments to suit your lifestyle. Easy as.


How does it work?

Apply in moments and get approved for up to $1000 on the spot. Once approved, start shopping online and in-store, wherever you see Zip at checkout. That’s it - your purchase is all yours, with nothing to pay today. Interest free always.


How do repayments work?

Your first payment won’t be due until the end of next month. When you open your account, we’ll set up a monthly payment of $40 (or less if the amount you owe is under $40). This will come from your linked debit card on the last day of each month and run until your purchases are paid off. Finally, if there’s nothing owing on your account, there’s nothing to pay. Your account simply remains active until you’re ready to make a purchase.


Am I eligible for Zip Pay?

To be eligible to apply for a Zip Pay account, you need to:
Be an Australian citizen or permanent resident
Be at least 18 years of age
Have a valid Facebook or PayPal account, in your own name
Have a valid debit card, in your own name
Have not declared bankruptcy or insolvency


    What are the fees?

    Zip Pay is 100% interest free, always. There’s a $6 monthly account fee, this monthly fee is waived if your closing balance is paid by the due date. No balance no fee. And you’ll pay nothing upfront - there are no setup fees and no hidden charges. If you don’t meet your minimum monthly repayment, a $5 late fee may apply. That’s it.


    How do refunds work?

    Start by speaking to the retailer - if they agree, they will process the refunded amount which will appear back in your Zip account. If a refund puts your Zip account in credit, you can contact us to have the amount refunded to your bank account instead. Or, simply use it for your next purchase.


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