How Zip Pay Works
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.^^
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.
Packed with features you’ll love
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.*
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.
Use Zip with over 45,000 BPAY Billers. Save their details to pay faster next time, and get ahead of late fees with handy bill reminders. There’s just a small $2.50 processing fee, no matter how big your bill is.^
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.Sign up now
Up to $1,000 to spend, interest free
Get approved for
$350 - $1,000
Apply in minutes for $350 - $1,000
We don't charge you anything to open a Zip Pay account.
Start shopping right away with nothing to pay upfront.
We don't charge interest on your purchases, and we never will.
Zip Pay accounts are interest free, always!
Monthly account fee
Waived if you pay your statement closing balance in full before the due date.
Pay your statement closing balance, in full, by the due date and we'll waive the fee.
Choose weekly, monthly or fortnightly repayments.
Repayments start from just $10 per week. Minimum monthly repayments apply.
Once you're approved we'll confirm your account credit limit.
$350 - $1,000
You may be eligible for a credit limit increase once you've been using your account for at least 6 months.
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 symbolLearn more
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 Shop Everywhere 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: https://zip.co/au/shop
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.
Zip Business solutions can help your business grow.
Boost your sales by accepting Zip Payments.
Control your cashflow with Zip Business Trade, which gives you up to $3,000 to cover your business expenses, invoices and utility bills now, and pay us back later once you get paid.
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.
*Available with Zip Pay only. Use the Zip Pay Card everywhere Visa contactless payments are accepted. Card T&Cs apply.
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.
^^^Zip Money is available to approved applicants only. Minimum monthly repayments are required. Paying only the minimum monthly repayment amount will generally not repay a purchase within the interest free period. Any balance outstanding at the expiry of the interest free period for the purchase will be charged interest at the standard annual percentage rate, currently 19.9%. A $7.95 monthly account fee applies. A one-off establishment fee may apply. 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.
**Single-use Card T&Cs Apply.
***Zip Pay T&Cs apply. Pay Now only with select online merchants.
^® 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.