Zip Pay

Get a 100% interest-free line of credit without a credit card. Minimum monthly payment is $40, with a flexible repayment schedule.

Zip Pay is an interest-free payment solution provided by Zip Co. It is accepted by thousands of stores across Australia. With Zip Pay, you can make purchases from $250 to $1,000 and pay later in regular interest-free instalments, no credit cards required. Their payment plans are flexible, allowing you to pay off your loan weekly, fortnightly or monthly, with a minimum monthly payment of $40. A $6 monthly fee will apply on outstanding payments after the 60-day fee-free period.

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Min. loan amount


Max. loan amount

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Product NameZip Pay
Interest Rate TypeFixed
Min Loan Amount$250
Max. Loan Amount$1,000
Loan SecurityUnsecured

How does Zip Pay work?

You can start using Zip Pay after going through the quick sign-up process. Once you’ve signed up and been approved, you can make purchases in two ways:

  • Online. Select Zip Pay as your payment method during checkout.
  • In store. At any participating Zip Pay merchant, sign in to your Zip Pay account and select Zip Pay as the payment method during checkout.

Once you’ve made a purchase, you choose how you'd like to repay. You can choose a weekly, fortnightly or monthly repayment schedule. A minimum monthly payment of $40 is required.

To avoid the $6 monthly fee, you need to pay off your purchase by the end of the month you receive your statement. You'll receive your statement on the first day of the month following your purchase (which is why you get "up to 60 days" fee free). After this date, a $6 monthly fee will be added to your outstanding balance.

All payments are 100% interest-free and you can sign up for direct debit so payments are made automatically from your bank account or credit card according to the repayment schedule that you’ve chosen.

You must make minimum monthly repayments and a $6 monthly fee applies. When you pay your closing balance in full, the monthly fee will be waived. Additional terms and conditions apply and are available on application.

Watch: More about Zip Pay

Not what you're after? Find out about Zip Money

Features of shopping with Zip Pay

  • 100% interest-free repayments. Zip Pay doesn’t charge any interest on your outstanding balance.
  • Low (and avoidable) fees. The $6 monthly fee applies only at the end of the following month from the date of your purchase. To avoid this fee, simply pay your purchase back in full before this date. A late fee of $5 applies if you do not make your minimum repayment within 21 days of the due date.
  • Credit limits. Zip Pay offers a credit limit between $250 and $1,000. When you apply, the algorithm will approve your limit.
  • Quick and simple sign-up process. Simply visit Zip Pay’s sign-up page and use a valid Facebook or PayPal account to get set up.
  • Instant use. Once you’ve completed the quick sign-up process and are approved, your Zip Pay account is immediately available to you.
  • Available at thousands of stores across Australia. Zip Pay is available at thousands of stores across Australia.
  • Very flexible repayment plans. As long as you meet the minimum required $40 monthly repayment, you can set up repayments as you like. You can choose to pay off your loan weekly, fortnightly or monthly for any amount you choose.
  • Automatic deductions. You can set up a direct debit to automatically deduct repayments from your bank account or credit card according to the repayment schedule you’ve set up.
  • Tap & Zip. With your Zip account you can use your phone to tap and pay for everyday expenses like petrol or groceries. This feature can be used anywhere Visa is accepted.

How much will this cost?

Zip Pay doesn’t charge any interest on your balance. In addition, there are no establishment or annual fees.

  • Initial fee-free period. No fees are charged during your first billing cycle. The billing cycle runs from the day you’ve made the purchase until the end of the following month for a maximum duration of 60 days.
  • Minimum required $40 monthly repayment. Although this isn’t a fee, Zip Pay does require a $40 minimum monthly payment to be made towards your balance each month.
  • Monthly service fees. After the fee-free period, if you don’t pay your balance in full, you’ll be charged a flat $6 service fee on the first of every month that you have an outstanding balance.
  • Late fees. Zip Pay may charge a late fee of $5 when you’ve made no repayments for more than 21 days (not including the initial fee-free period).

How to sign up with Zip Pay

Click "Go To Site" above to begin your application. To sign up for Zip Pay, you’ll need to meet the following criteria:

  • Be an Australian citizen or permanent resident
  • Have a valid and verifiable mobile phone number and email address
  • Be at least 18 years of age and able to enter into a legally binding contract
  • Have an Australian bank account or credit card
  • Have basic information about yourself as well as bank account or credit card details

To sign up, you can create an account using your Facebook or PayPal account information. Once you’ve signed up with your basic information, you’ll be given approval within seconds, after which you can immediately begin buying with Zip Pay.

Should you offer Zip Pay (for store owners)?

As a business owner, offering Zip Pay or any other interest-free payment service as an option at checkout can have a range of benefits and a few potential drawbacks.


  • Convenience for customers. Zip Pay is a convenient payment method as it removes the need for a card.
  • Higher conversion rate. The transition from browser to buyer is made easier by interest-free payment options.
  • Higher purchase rate. Your customers may be more likely to make additional purchases.
  • Increased customer base. Your business will appeal to a larger customer base who otherwise may not have been able to afford your products. You also have access to Zip's 2 million customer base.
  • Increased sales. Businesses that currently accept Zip have seen a 30%+ increase in sales volume.
  • Risk-free. Because Zip is covered for credit fraud, you're guaranteed payment after a transaction goes through from a customer.
  • Same-day settlement. Zip ensures that every transaction that has gone through your business by 4pm is settled and paid the same day.


  • Fees. You'll be charged a 15 cent transaction fee per transaction.
  • Commission. Zip Pay charges a 4% fee to merchants for transactions. So, for every $1,000 processed through Zip, you will receive $960.
  • Low credit limit. Zip Pay has a lower credit limit than Zip Money or some other interest-free payment providers.

Have more questions about Zip Pay?

How safe is Zip Pay?

Zip Pay uses advanced Secure Socket Layer (SSL) encryption along with two-factor authentication on all purchases to protect your personal information and transactions.

How do I avoid fees?

Repay your purchase within the initial period (up to 60 days) to avoid the $6 monthly fee.

What's the difference between Zip Pay and Zip Money?

As mentioned above, Zip Pay has a credit limit of up to $1,000 and is always interest-free. Zip Money, on the other hand, is a line of credit for larger amounts of $1,000 and above. Zip Money offers customers a guaranteed 3 months interest-free and up to 36 months with some retailers.

How does the online account work?

You can sign into your Zip Pay shopping account to view transaction reports, adjust repayment schedules, make additional payments, modify payment information and more.

Full list of stores with Zip Pay

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    Default Gravatar
    March 11, 2020

    I bought something on Amazon that costs $30 and used Zippay but they charged me $40/month for that which is more than the item bought.

      Default Gravatar
      March 12, 2020

      Hi Kady,

      Thanks for contacting Finder and I hope you are well. I’m sorry to hear you were charged more than what you bought. It’s helpful to know that the minimum payment for Zippay is $40, this may be why your payment is $40. I suggest checking your Zippay account directly to see how you can pay for your item since it is below the minimum payment.

      Hope this helps and feel free to reach out to us again for further assistance.


    Default Gravatar
    September 26, 2019


    I applied for a zip account and I added my credit card. A $1 payment was processed by Zip and then I was immediately told my application was unsuccessful. Why did they take the $1 before approving me? Will I get that $1 back?

      Avatarfinder Customer Care
      September 28, 2019

      Hi Christine,

      Thank you for getting in touch with Finder.

      Sorry to hear that your application was rejected. Kindly check your credit card completed transactions and check if there was $1 charged by Zip. If there was no account created, they shouldn’t charge you for the said amount. Kindly reach out Zip directly if it was charged successfully.

      I hope this helps.

      Thank you and have a wonderful day!


    Default Gravatar
    August 8, 2019

    How long do I get too pay it off if I don’t do it in the first month or the second or third month? Is there a limit on how many months you get too pay it off?

      Avatarfinder Customer Care
      August 9, 2019

      Hi Justin,

      Thank you for getting in touch with Finder.

      Please note that Zip Pay requires a $40 minimum monthly payment to be made towards your balance each month. I suggest that you contact Zip Pay when it comes to extended payment.

      I hope this helps.

      Thank you and have a wonderful day!


    Default Gravatar
    May 21, 2019

    can i pay my credit card bill via zippay?

      Default Gravatar
      May 21, 2019

      Hi Muhamer,

      Thanks for your inquiry!

      You can pay bills from any biller that accepts BPAY payments with some exclusions such as vehicle registration, credit card bills, personal loans betting accounts and specific billers outside of our responsible lending guidelines.

      Hope this was helpful. Don’t hesitate to message us back if you have more questions.

      With care,

    Default Gravatar
    May 2, 2019

    Are you able to explain to me how to close my account if I decide too down the track


      Default Gravatar
      May 2, 2019

      Hi Rick,

      Thank for your inquiry.

      You may need to contact Zip pay to request the closure of your account and provide your full name, DOB, and residential address. Please note that before you can close your account your outstanding balance must be $0.

      I hope this information helps.

      Kind regards,

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