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Who is Zip?

Zip is a leading player in the digital retail finance and payments industry.   Zip offers point-of-sale credit and digital payment services to the retail, education, travel and health industries, through it’s zipMoney and zipPay brands.  

We are focused on offering transparent, responsible and fairly priced consumer finance products. Find out more atzippay.com.au orzipmoney.com.au.

What is zipPay?

zipPay is a safe, simple and 100% interest free payment solution, giving shoppers the ability to buy now, and pay later for purchases up to $1000 – without the need for a credit card. Once approved, customers are given access to a new shopping account that allows them to make flexible repayments on their own terms.

How does zipPay work?

  1. Checkout with zipPay: Create your account and confirm your purchase
  2. Your order is processed immediately - zipPay pays on your behalf!
  3. You pay zipPay back over time in easy weekly or monthly payments with no interest ever

Can I check out with zipMoney?

Yes! If you have an existing zipMoney account, you can check out here. Find more infohere.

Frequently Asked Questions

Who can create an account?

Any Australian citizen or permanent resident, who is 18 years or older and is employed, earning at least $300 per week.


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 Monthly Service Fee of $6.00 applies. This fee is waived if you pay your balance in full by your due date.

There is NO establishment fee to setup your account and interest free always! 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.


How do I create an account?

You cancreate an account here or during checkout while making a purchase at any store which offers zipPay. To create an account, 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 you’re approved for your zipPay shopping account, you never have to apply again.

What are the fees?

At the end of every month you can choose to pay off your previous months’ Statement Balance in full and you’ll pay nothing extra. Therefore, for every purchase you make you’ll have 30 to 60 days (depending on the date of purchase) to pay with no additional charges.

Alternatively, if you need more time to pay simply make a payment that suits your budget (a minimum repayment of at least $40 per month required, if outstanding balance is less than $40, balance is payable). Only one $6.00 monthly service fee will be added to your account for any month you have an outstanding balance, regardless of how many purchases you make. No balance, no fees!

There is NO establishment fee to setup your account and NO INTEREST!

Need more help or have additional questions about zipPay?

Read more FAQs here.

Where can I find out more?

Call 1300 ZIPPAY (02) 8294 2345

Terms and Conditions

*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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