How Zip Pay Works

For everyday,
there's Zip Pay

Apply for up to $1,000 to spend, interest free always.

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Zip Pay
Why choose Zip Pay?

Zip Pay is a fast, secure and easy way to get what you need today and repay it on a schedule that suits you, interest free.^^

Flexible repayments

Choose a weekly, fortnightly or monthly schedule. Pay off early if you like, without a penalty.

Pay later, interest free

Every transaction you make with Zip Pay is interest free, always.

Approval in minutes

Apply in minutes, with no establishment fees and nothing to pay today.

Up to $ 1,000 to spend, interest free

We keep it simple with nothing to pay today, no hidden fees, and absolutely no interest, ever.

Up to $1,000 to spend, interest free

Get approved for
$350 - $1,000

Apply in minutes for $350 - $1,000

Start shopping right away with nothing to pay upfront.

Zip Pay accounts are interest free, always!

Pay your statement closing balance, in full, by the due date and we'll waive the fee.

Repayments start from just $10 per week. Minimum monthly repayments apply.

You may be eligible for a credit limit increase once you've been using your account for at least 6 months.

Need a larger limit? Explore Zip Money

Packed with features you’ll love

Tap to pay instore

From grabbing a coffee to filling the tank, pay with a tap of your phone. Just add Zip Pay to your phone’s digital wallet and pay for everything, everywhere you see the contactless symbol.*

Learn more
Tap and Zip - App exclusive
Shop online

It’s so easy to buy online with Zip. You can shop directly within the Zip app, by choosing ‘Pay with Zip’ at thousands of online checkouts, or by creating a single-use card. Card T&Cs apply.

Shop now
Product Protection

Shop confident with Product Protection from Zip. Get an instant quote and worldwide cover for your items against damage, theft, and more.

Learn more

How do fees and repayments work?

Learn how to get the most from your Zip Pay account, from scheduling your repayments to suit you, to monthly account fees (and how to avoid them).

How to shop instore

Buying instore now and paying later has never been easier. Just tap to pay everywhere you see the contactless symbol*

Learn more
Get the Zip app
Download it for free from the App Store or Google Play.
Add to your digital wallet
Add Zip Pay to your Apple Pay or Google Pay wallet.
Tap to pay
Pay with a tap of your phone, safe, secure and touch-free.
How to shop instore

Need a larger credit limit?

Larger purchase account, over $1000

More questions?

Here are some FAQs to help you get to know Zip better.

Zip Pay is an interest-free buy-now-pay-later service with a credit limit of up to $1,000.^^ Repayments are based on a minimum monthly payment from as little as $10 per week. A $7.95 monthly account fee applies, we will waive the fee if you pay your statement closing balance in full, by the due date. With Zip Pay, you can shop everywhere you see the Contactless Symbol when you add your Zip card to your Apple or Google wallet.*

Zip Money is a line of credit with credit limits between $1,000 and $5,000 for regular accounts and up to $50,000 for specific merchants. Zip Money offers customers a guaranteed interest-free period of 3 months across all products and up to 48 months with some retailers**. Zip Money accounts may incur a one-off establishment fee for certain credit limits. A $7.95 monthly account fee applies.

Both products also feature our Single-use card, which you can use at any online retailer that accepts Visa*.

Zip is perfect for everyday purchases and offers the ability to transact just about everywhere, so you can manage all your expenses in one place and repay on a schedule that suits you.

To shop instore, Zip Pay users can tap to pay at checkout.* To get started with tap to pay, simply navigate to the Zip app and click on the pay tab in the bottom menu. From there, you can follow the prompts to set up your card and add it to your Apple Pay or Google Pay wallet.

To shop online, use the Zip mobile app and generate a single-use card at the checkout anywhere Visa is accepted.

See the full list where you can shop with Zip:

Shop everywhere online where Visa is accepted with Zip's single-use card feature on the Zip mobile app. Or shop anywhere instore you see Zip at checkout - we’re partnered with 40,000+ retail stores.

Additionally, you can use your Zip account to pay BPay bills and buy gift cards for food, fuel and subscriptions.

Repayments are automatically direct debited from the payment method that you added when you created the account. You can change the payment method at any time and the frequency of your payments to weekly, fortnightly or monthly as long as you're covering the minimum monthly repayments. Choose what works best for you.
With Zip Pay a $7.95 monthly account fee applies, we will waive the fee if you pay your statement closing balance in full, by the due date. With Zip Money a $7.95 monthly account fee applies which is waived if you have nothing owing.
If you return goods to a retailer and they agree to a refund, your Zip account will be credited with the agreed refund amount. The funds will then be put towards your owing balance or depending on the refund amount your account may be placed in credit.

Zip Business solutions can help your business grow.

Boost your sales by accepting Zip Payments.

Zip Business Capital can take your business to the next level with a line of credit up to $500k you could invest in equipment, inventory, staff, or new market growth.

Yes! However, 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.
^^ Zip Pay: Minimum monthly repayments are required. A monthly account fee of $7.95 applies. This fee is waived each month you pay your statement closing balance, in full, by the due date.

** Zip Money: Available to approved applicants only and subject to completion of satisfactory credit check. Minimum monthly repayments are required. Paying only the minimum monthly repayment amount will generally not repay the purchase within the interest free period. A monthly account fee of $7.95 will also apply and a one-off establishment fee may apply for new customers. Any balance outstanding at the expiry of the interest free period will be charged at the standard variable rate, 23.9% per annum as at 1 December 2022. Other charges may be payable, see T&Cs. Interest, fees and charges subject to change. Terms & Conditions apply and are available on application. See your contract for further details. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878).

*Tap to pay: 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.

^® Registered to BPAY Pty Ltd ABN 69 079 137 518. Payments may take up to 3 business days to reach your biller. Certain biller exclusions apply including but not limited to credit institutions, gambling, share trading, personal loans and DEFT rent. A processing fee will be payable for each bill processed through Zip. The amount of the fee will be advised and authorised by You at the time of any relevant bill payment.

Apple and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries. Google and Google Pay are trademarks of Google LLC. The Contactless Symbol is a trademark owned by and used with permission of EMVCo, LLC. VISA is a trademark owned by Visa International Service Association and used under license.