What is zipPay?

zipPay is a safe, simple and 100% interest-free payment solution. zipPay gives you the ability to buy now, and pay later for purchases – without a credit card. Once approved, you get access to a new shopping account that allows you to pay back with total flexibility over time.

How does zipPay work?

How does zipPay work?

zipPay works like an account. For all purchases you make during a month you receive a statement with your closing balance on the 1st day of the following month. You have until the end of the month to pay off your balance for the account to remain fee free.

Here’s an example: If you make your first purchase on the 1st of March for $39, you will receive a statement on the 1st of April with the closing balance of $39 (unless you made more purchases in March) which you need to pay off until the 30th of April in order to not have to pay the account fee of $6. Should you wish to carry your balance into May, you simply pay a small $6 monthly account fee.

No balance - no fee!

What are the benefits?

  • No interest ever
  • Full payment flexbility
  • Sign up in seconds
  • Get access to a new shopping account
  • Nothing to pay today

Shop better, faster, smarter online.

How much does it cost?

At the end of every month, you can choose to pay off your balance in full, or simply make a payment that suits your budget (note: there is a minimum repayment of $40 per month required). A $6 monthly account service fee will simply be added to your account for any month you do have an outstanding balance.

There is NO establishment fee to setup your account and NO interest ever! If you have repaid your balance down to $0 by your due date (up to 60 days after your purchase), you will never be charged any additional fees.


What are the zipPay limits?

zipPay offers 3 different credit limits: $250, $500 and $1000. Our algorithm will automatically decide which maximum limit you will be eligible for based on our minimum criteria evaluated during the application process.

How do I create an account?

You can create an account here using your Facebook, PayPal and Email details or during checkout at any of our participating stores. To sign up, all you need is a  social media account and to confirm the details that you would normally enter when shopping online (e.g. your name, email, mobile, address, DOB and gender). Subject to approval, this process takes only seconds after which you can complete your purchase and pay for it later! Once your account is created you never have to sign up again and can continue to reuse it as much as you like.


If approved, you will be able to activate your account immediately from the application form. This step details your contract and requires you to provide your payment details for your regular direct debit payment.

Where can I use my account?

Your account can be used both in-store and online.

How do repayments work?

Payments are taken automatically via direct debit - you don't need to manually transfer money unless you would like to pay down your balance faster. You can set up your repayments to fall monthly, fortnightly or weekly at whatever amount suits (provided this is greater than the monthly minimum of $40). If you decide not to set up an individual schedule, zipPay will take repayments automatically at the end of the next month. You can also make additional payments whenever you like via card or BPay. 

What if my payment fails?

If your payment fails, zipPay will send you a notification. Simply put some money into your nominated payment method and zipPay will attempt to reprocess payments the following day.

Can I close my account?

There are no fees associated in keeping your account open when your balance is $0.00. 

Can I have more than one account with zipPay?

You can only have one account with zipPay at any time, which needs to be under your name using your personal and nobody else's contact details (e.g. your partner's email address or phone number).

Who can apply for zipPay?

Any Australian citizen or permanent resident, who is 18 years or older is eligible for a zipPay application. 

If you don‘t own a mobile phone number or a Facebook or PayPal account, that means you won‘t be able to apply.

What happens after I pay off my purchases?

Since zipPay is an online shopping account, any available funds on the account can be used for additional purchases at stores that accept zipPay.

How do I claim a refund with zipPay?

If you’ve paid in full, the full amount will be refunded to your zipPay account. If you’ve only paid the amount partially, the partially paid amount will be refunded and the remaining balance will be reversed from your zipPay account.


*To approved applicants only. You may be approved for a lower limit. $6 monthly service fee applies. Pay balance by due date and the service fee is waived. No balance. No fee. See contract for details. zipMoney Payments Pty Ltd. ABN 58 164 440 993.


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