HOW ZIP PAY WORKS
1. Select ZIP at checkout
2. Create your account in seconds and confirm purchase
3. Order is processed as normal and shipped out as per our shipping guidelines
4. Log into your ZIP account to set up repayments to suit your lifestyle
*Pay for your items by the last day of the next month with no fees!
*$5/mth service fee applies if purchase not paid in full by scheduled due date.
Learn about how you can buy now and pay later with ZIP PAY
To create your ZIP account, simply choose ZIP at checkout or get pre-approved now.
All you need is a social media account (we don't post to your account) and to confirm the details that you would normally enter when shopping online.
Subject to approval, this process takes only seconds after which you can complete your purchase & pay as it suits you!
One you're approved for your ZIP shopping account, you can continue to reuse is as much as you like.
What if I need to return an item purchased using ZIP PAY?
Simply return your items back to us at the address below with the item/s you wish to return.
225 Grange Road
We recommend using a traceable form of postage as we cannot be held liable for parcels lost in transit.
Please allow two weeks from the day you post your return for your account to be credited.
Your refund will be credited to your original payment method.
*ZIP PAY purchases cannot be returned instore.
Who can create a ZIP PAY account?
Anyone who is over 18 years of age and an Australian citizen may be eligible for a ZIP account.
What account limits are available with ZIP PAY?
When a customer applies for an account they are allocated a limit up to $1,000. Account limits available to customers are $250, $500 or $1,000. The customer's limit is automatically assigned at account creation and determined by our risk and credit landing policy.
What is the minimum repayment required each month?
The minimum payment required each month is $40 (or balance outstanding, if less than $40), however you can set your repayments higher if you wish to pay the purchase off quicker.
How do I make my repayments?
To ensure you never miss a payment you can setup a direct debit to automatically make your repayments. You can set this to run for as much as you like and as often as you like (as long as you pay at least the minimum of $40/mth, or balance outstanding)
Additionally, you can make a one-off payment anytime by logging into your ZIP PAY Digital Wallet and selecting 'Make a Payment'. Payments can be paid online by debit card, credit card or Bpay.
When is my payment due & what costs are involved.
We will send you a statement at the start of each month outlining any transactions made & balance owing. You will have until the end of the next month to pay off your purchases in full with no fees*. No interest will be charged.
*$5 service fee may apply if purchases not paid in full by scheduled due date.
Once you have repaid your balance down to $0, the account will simply remain open waiting for you to use again to make additional purchases with no fees.
*Available to approved applicants only. Minimum monthly repayments are required. Paying only the minimum monthly repayment amount will generally not repay out the purchase within the interest free period. Any balance outstanding at the expiry of the interest free period will be charged at the standard variable rate, 21.9% per annum as at 1 July 2022 and is subject to change. A $7.95 monthly account fee applies. A one-off establishment fee may apply for new customers. Terms & Conditions apply and are available on application. See your contract for further details. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878.
What if my account limit does not cover the cost of the purchase?
You will be prompted to make a co-payment before completing the purchase. The co-payment can be made using either a debit or credit card at the time of purchase. In-store, you can do a split payment.
Can I get an account limit increase?
Yes. All customers are eligible for a limit increase after three months of activity on the account, up to a maximum of $1,000. A good repayment history would be beneficial to a limit increase assessment.
Are there any additional fees charged for using a ZIP PAY account?
A monthly service fee of $5.00 applies.
This fee is waived if the balance is paid by the due date.
No balance no fees.
Call 1300 ZIPPAY (1300 947 729)
For more information visit: https://zip.co/au