Want it

Create your account in moments and select
Zip at checkout

Get it

Zip pays us so
you get the goods
with nothing to pay today

Own it

Choose how you
pay Zip back over time,
interest free

Reusable account

Zip gives 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

Buying in store 

Tell the cashier you would like to pay with Zip

Grab anything you fancy^ and buy without your credit or debit card*

Log in or sign up to Zip using your phone

Create your account in seconds and confirm your purchase

Give the cashier the approval code and enjoy your purchases

You pay Zip back over time in easy weekly, fortnightly or monthly payments

^Zip is not available for Gift Card purchases. *Credit or debit card required for initial sign up process.

Frequently asked questions

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.

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

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.

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

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.

Start by speaking to the retailer - if they agree, they will process the refunded amount which will appear in back 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.

Own the way you pay

Sign up in seconds

*Credit or debit card required for initial sign up process.
To approved applicants only. You may be approved for a lower limit.
$6 monthly service fee applies. Pay balance by the due date and the service fee is waived. No balance, No fees.
See contract for details. zipMoney Payments P/L ABN 58 164 4409 93