If you return your purchase to a retailer and they agree to a refund, your account will be credited with the agreed refund amount.
If a refund is issued for a Zip Money purchase on Instalments, the refund amount will go towards paying each instalment for that particular purchase.
This will reduce the amount outstanding on the purchase.
IMPORTANT: The Instalments feature will no longer be available for new purchases made from 12 August 2025. From this date, all new purchases will be placed on the Flex repayment schedule. Existing Instalment plans will continue, and you must keep making repayments as usual. For more information on these changes, please visit here.