Create your account in moments and select
Zip at checkout
you get the goods,
nothing to pay today
pay us back over time,
We own easy
We only charge a $6 monthly account fee when you have an outstanding account balance.
If you pay off your balance by the due date, we’ll waive the fee.
That’s it. Easy.
Frequently Asked questions
What is Zip Pay?
How does it work?
How do repayments work?
Finally, if there’s nothing owing on your account, there’s nothing to pay. Your account simply remains active until you’re ready to make a purchase.
Am I eligible for Zip Pay?
- Be an Australian citizen or permanent resident
- Be at least 18 years of age
- Have a valid Facebook or PayPal account, in your own name
- Have a valid debit card, in your own name
- Have not declared bankruptcy or insolvency
What are the fees?
Zip Pay is 100% interest free, always. There’s a $6 monthly account fee, this monthly fee is waived if your closing balance is paid by the due date. No balance no fee. And you’ll pay nothing upfront – there are no setup fees and no hidden charges.
How do refunds work?
Start by speaking to the retailer – if they agree, they will process the refunded amount which will appear back in your Zip account. If a refund puts your Zip account in credit, you can contact us to have the amount refunded to your bank account instead. Or, simply use it for your next purchase.