Terms & Conditions

Updated 14 August 2024

Thanks for visiting our website and considering the use of our services and products.

Please ensure you read these terms and conditions carefully. These are the current terms and conditions for our website, our services and products. Unless otherwise specified in the terms and conditions or as stated in your agreed Payment terms, the current terms and conditions replace the respective terms and conditions previously published by Zip. You accept that by doing this, Zip has provided you with sufficient notice of the variation. Your subsequent use of the website means that you accept the varied terms and conditions.

For Zip Pay in 4:

Platform Terms, click here
For Pay in 4 Terms & Conditions (Effective until the end of 1st September 2024), click here
For Pay in 4 Disclosure Statement and Terms & Conditions (Effective on and from 2nd September 2024), click here to view

Download the pdf here

Summary of changes to our Pay in 4 Terms and Conditions, click here to view

For Gift Cards, click here for T&Cs

For payments at Auckland Transport (AT), click here for T&Cs

For Zip Business Capital: