Customer FAQs

General info

zipPay is a safe, simple and 100% interest-free payment solution powered by zipMoney Payments. 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 you can pay back with total flexibility over time. It’s simple to use and specifically designed to help you manage your online spending.

Forget endless form fields and entering your credit card details with every purchase. Each time you check out with zipPay, simply sign into your account using the same method used when you signed up and confirm your purchase – simple.

Any Australian citizen or permanent resident, who is 18 years or older.

When creating an account, we may perform identity and/or credit checks to verify the customer and their ability to manage payments. These checks are carried out in accordance with the Privacy Acknowledgment.

With zipPay there are no establishment fees to setup your account, and no interest applied on your purchases.

zipPay gives you the ability to buy now and have until the end of the following month from your date of purchase, to make a payment.

At the end of each month you can choose to either:

Pay off your previous months’ Statement Balance in full and you’ll pay nothing extra.


Need more time to pay? Simply make a payment that suits your budget (a minimum repayment of at least $40 per month required). A single $5 service fee will be added to your account for any month you have an outstanding balance, regardless of how many purchases you make.

You can create an account here using your Facebook, Social or Email details or during checkout at any of our stores.

Subject to approval, sign-up takes only seconds, after which you can complete your purchase and pay for it later. Once approved for your zipPay account, there’s no need to apply again. You can continue to use your zipPay account anywhere that accepts zipPay. Check out our stores directory.

To ensure you never miss a payment, you can setup automatic direct debits. You can choose to pay weekly, fortnightly and monthly via direct debit, as long as you pay the minimum $40 each month.

Additionally, you can make a one-off payment anytime by logging into your zipPay Digital Wallet and selecting ‘Make a Payment’. These can be made online using your preferred payment method, including direct debit and BPAY. Please note that by selecting the ‘Make a Payment’ option, this will not override your payment schedule, it will simply make an additional contribution to clear your balance faster.

Should you have any difficulties in making your payments, you can contact us. As long as you keep us informed about your circumstances, we will work with you to help keep you on track and your account up to date.

Your security is important to us. Keeping your personal information safe is our highest priority, making zipPay safer than other payment methods:

  • No need to enter credit card numbers or other sensitive information at checkout
  • All transactions are protected with SSL encryption and secure servers
  • Fraud checks ensuring your safety
  • 2-factor authentication on all purchases

zipPay also provides buyer protection for all of your purchases. This means that in the unlikely event of fraudulent activity on your account, you will not be responsible for any unauthorised charges.

A link to our full Terms and Conditions will be provided to you in your zipPay schedule upon account approval – you will need to accept these as part of the registration process. The Terms and Conditions will also be sent to you electronically via email as part of your welcome email. For additional questions and information, please contact Customer Care.

If your available zipPay funds do not cover the full cost of the purchase, you will be prompted to make a co-payment before completing the purchase.

Customers’ will be prompted to use their card for the co-payment before the purchase is completed.

Yes. All customers are eligible for a credit limit increase after 6 months of activity on the account.  A good repayment history would be beneficial to a credit limit increase assessment.

zipPay is an online shopping account that can be used for repeat purchases at any store that accepts zipPay. Any available funds on the account can be used for additional purchases.


The minimum payment required each month is $40, however you can choose to pay a higher amount, if you wish to pay off your purchase sooner.

Payment for your purchases in one calendar month are not due in full until the last day of the calendar month following. For example, for all purchases made in January, a statement will be issued February 1, with the account balance due for payment on the last day of February.

If you choose to take longer to pay back your purchase, a minimum payment of $40 will be required to keep the account up to date. A service fee of $5 will be added to your balance on the first day of the following month.

If you pay off your balance in full, you will not be charged the account fee.  No balance = no fee!

You can make as many purchases as you like each month, you’ll receive one statement at each month end. Should you need more time to pay, only one $5 monthly service fee is applied, no matter how many purchases you made in the month prior.

Yes. Statements are emailed on the first day of every month.

Statements inform the account holder of the purchases made during the month, payments applied during the statement period, due date of the minimum payment, any fees charge to the account and what payment is required to avoid the $5 monthly service fee.

Manage Account

You can sign into your Digital Wallet using the login details (Facebook, PayPal or email) used to create your account. When signed, you can:

  • view your account balance
  • see the account transaction history

make an in-store payment

  • make additional payments
  • add another card for future payments
  • alter your repayment schedule
  • access monthly statements

Please contact Customer Care and request closure of your account. Remember, if your balance is $0, you will never be charged any fees – your account will simply remain dormant and waiting for you to use again until your next purchase.

Fees and Charges

After the fee free (up to 60 days period) should you need a little more time to pay off your balance, a $5 service fee will be applied to the account on the first day of the month. This gives you until the final day of the month to clear your balance.

We may charge a late fee of $5 (in addition to the monthly service fee) for late payments where no payments have successfully been made for over 30 days.

Purchasing and disputes

Please contact the company you purchased the item from, for their return and refund policy. You will need to directly contact that company’s customer service. Once the company initiates a refund, it will automatically be reflected on your zipPay account – no need to contact us.

If you encounter a statement error, or an incorrect charge, please contact Customer Care and provide details of your account and nature of the dispute.

When a store issues a refund, your zipPay account will be automatically credited. Should you experience a delay longer than 5 days after receiving confirmation from the store, please contact Customer Care for assistance.

If you are an existing zipPay customer and your account is in good standing, please try and make the purchase again. For additional assistance, please contact Customer Care.

If you are new to zipPay and are applying for an account and it is declined, you will be returned to the store and have the option of using an alternative payment method to complete your purchase. For additional assistance, please contact Customer Care.

Still have a question?

Contact our friendly Sydney based team, who will be happy to assist you.

Contact Us