Why choose Zip?
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Shop just about everywhere
Shop at all your favourite places, online and instore, with the Zip app.
You're in control by paying later at your own pace.
How to pay with Zip at Cotton On in 3 simple steps
Apply for a Zip account in minutes
Shop at Cotton On online or in store
Pay with the app or tap to pay with Zip* using your digital wallet
Loved by millions of shoppers globally and counting
Best buy now pay later option available.
Out of all the buy now pay later companies, ZipPay has the most option available for using in store and online having the create temporary card feature and apple wallet tap and pay features.Verified
In Love with Zip Pay.
I wish I could give them more than 5 stars! Lucky to be born in the world of Zip, helped me get through many difficult times. Thank you so much Zip Pay. I love you!Verified
Very helpful in need!
Zip is very helpful when you don't have money in your savings or credit card. Instalment payments are very flexible.Verified
Zip is the best among them
I’ve used all the other platforms, and I think none is close to Zip. The flexibility and unlimited nature of transactions from BPay to Credit Card to in app purchasing. None of the others come near to it.Verified
Just love knowing I have Zip
I feel I have my own independence being able to have a system like Zip. I can purchase items I love for myself and for others too. To be able to pay back what I can afford without breaking the budget.Verified
I CAN USE THIS ANYWHERE!
Literally - In Store or Online - Virtually on ANY (well almost) kind of purchase.Verified
If find Zip really easy to use and always there when I need them. Hassle free and paying back is easy too.Verified
Convenient and helpful
When purchased big ticket item it’s so convenient to pay by ZIPPay because can be paid back by instalment without interestVerified
Millions of Zip customers across Australia, New Zealand and the US
Over 45000 merchants across Australia and New Zealand
4.9/5 App Store rating from over 251K reviews
About Cotton On
We deliver the trends of the moment (always with our own twist), and inspire our community to have fun with it. There’s nothing that excites us more than making a positive difference in people’s lives. We stand for diversity, empowering people of all backgrounds to express their individual style and make their own mark on the world. Our product offering includes womenswear, menswear and accessories.Zip may earn a commissionVisit store
Have a question?
Here are some FAQs to help you get to know Zip better.
Yes! Zip allows you to shop just about everywhere, online and instore. We give you the flexibility to set your repayment schedule to suit your lifestyle – choose weekly, fortnightly, or monthly. You can also pay your bills, manage your subscriptions, buy gift cards and earn rewards when you use the Zip app.
- * Tap to pay in store available with Zip Pay only. Use the Card everywhere that Visa contactless payments are accepted in store. Card T&Cs apply. Single-use card available with Zip Pay and Zip Money only. Use the Card everywhere that Visa contactless payments are accepted online. Card T&Cs apply.