Terms & Conditions

Updated 20 January 2022

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 and Pay Longer:


For Gift Cards, click here for T&Cs


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


For Zip Business Capital: