What is zipPay?

A safe, simple and convenient way to buy now and pay later for your purchases.

  • No interest ever
  • Full payment flexibility
  • Nothing to pay today
image of zipPay interface

How it works

  1. Select zipPay at the checkout

    Sign up in seconds.
    Confirm your purchase
  2. Your order is processed immediately

    We pay ther merchant
    on your behalf
  3. Pay over time

    You have up to 60 days to pay, or pay at your own pace for $6/month


  • Who is eligible to apply?

    Any Australian citizen or permanent resident, who is 18 years or older and is employed.

  • What are the benefits?

    zipPay is a safe, simple, and convenient payment option, that lets you shop online and pay later for your purchases – with no credit card and no interest ever. zipPay provides an account that allows you to pay the balance of your purchases at the end of the month, or to take your time with affordable and flexible payments that suit your lifestyle and budget.

    It’s quick and simple and is specifically designed to help you manage your online spending.

  • What are the fees?

    At the end of every month you can choose to pay off your previous months’ Statement Balance in full and you’ll pay nothing extra. Therefore, for every purchase you make you’ll have up to 60 days to pay with no additional charges. Alternatively, if you need more time to pay simply make a payment that suits your budget (a minimum repayment of at least $40 per month required). Only one $6 monthly service fee will be added to your account for any month you have an outstanding balance, regardless of how many purchases you make. No balance, no fees!

    There is NO establishment fee to setup your account and NO INTEREST ever!

  • What else should I be aware of?

    A link to our full Terms and Conditions will be provided to you in your zipPay Schedule upon Account approval – you will need to Accept these as part of the registration process. The Terms and Conditions will also be sent to you electronically via email as part of your Welcome Email. For additional questions and information, please contact Customer Care.

  • How do I sign up?

    You can create an account here, or during checkout while making a purchase at any store which offers zipPay. To create an account, all you need is a social media account and to confirm the details that you would normally enter when shopping online (e.g. your name, email, mobile, address, DOB and gender). Subject to approval, this process takes only seconds after which you can complete your purchase and pay for it later! Once you’re approved for your zipPay shopping account, you never have to apply again.

What people are saying about us

Carmen's testimonial

"What a great way to afford those things that you thought you couldn't...The staff are exceptional to deal with and the places to shop are to die for!"

Carmen P.

Maurice's testimonial

"Fantastic service and product... Makes buying so easy!"

Maurice C.

Monica's testimonial

"Such a brilliant idea! Thank you zipPay for offering such a great payment option. I love that I don't have to wait until the end of the month for my pay to do some shopping, I can get it straight away and pay for it later. Also so quick and easy to use"

Monica I.

Daniel's testimonial

"Excellent option for those wanting to purchase their goods today without having to pay upfront. Easy to use and available for a range of products, I'll definitely be using zipPay again."

Daniel C.

Amy's testimonial

"Unbelievable service - quick to set up, easy to use, helped me get my new pair of shoes STAT. Love this, will recommend to all my friends."

Amy N.