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 in-store or online – just choose the Zip option at the checkout and you’ll be directed to their portal to complete your payment.
How do repayments work?
Your first repayment won’t be due until the end of the next month. When you open your account, you’ll be set up with a monthly payment amount 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.
If there is nothing owing on your account, there is 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 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 hit your minimum monthly repayment, a $5 late fee may apply.
How do refunds work?
If you would like a refund for a product purchased through Zip Pay, the amount will be refunded into your Zip account. The money will appear in your Zip account as a credit and you will need to contact Zip to have them refund this amount into your bank account. Or, simply use it to make your next purchase.
Click here for our full refund policy.

For further information, view Zip's full Terms & Conditions.