ZipPay, Quadpay, buy now, pay later
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What Is ZIP Pay?
Zip Pay is an interest-free payment solution offered by Zip Co, which is a quick and easy credit solution. With Zip Pay, you can spend between $350 and $1,500 and pay later in regular interest-free installments without the need for a credit card. This is by far the most flexible credit solution as you can shop with no deposit.
Their payment plans are flexible and allow you to repay your loan weekly, bi-weekly, or monthly with a minimum payment of $40 per month. After the 60-day no-payment period, a monthly fee of $6 will be charged for any outstanding payments.
Features of Shopping With Zip Pay
100% interest-free repayment. Zip Pay does not charge any interest on your bill. Low (and avoidable) fees. The $6 monthly fee only applies to the end of the month following the date of your purchase. To avoid this fee, simply pay your outstanding balance in full by this date. If you do not make the minimum payment within 21 days of the due date, a late fee of $5 applies.
Credit limits. Zip Pay offers credit limits between $350 and $1,500.
Quick and easy sign-up process. Simply visit the Zip Pay sign-up page and use a valid Facebook or PayPal account to get set up.
Instant use. Once you have completed the quick registration process and been approved, your Zip Pay account is ready to use immediately.
Very flexible repayment plans. As long as you meet the requirement to pay the minimum monthly repayment amount, you can set up as many repayment options as you like. You can choose to repay your loan weekly, fortnightly or monthly in any amount you like.
Repayments can be made by automatic debit. You can set up direct debits to automatically deduct repayments from your bank account or credit card according to the repayment schedule you set.
How to shop online with the app
1. Find a retailer
Search for your favorite stores in the app.
2. Browse your favorites
Add products to your cart, then tap "Pay with Zip."
3. Confirm the purchase amount
Ensure your cart amount matches the payment request.
4. Complete payment
We’ll autofill your payment info—check out in seconds.
How to shop in-store with the app
1. Select the In-Store tab
Enter your total purchase amount.
2. Review your payment plan
Confirm your amount and payment method to generate your virtual card.
3. Add to your wallet
Keep Zip in your Apple Wallet or Google Pay for easy access.
4. Tap to pay!
Pay with your wallet to complete your purchase.
Where You Can Use Zip Pay
A growing number of shops are adding Zip Pay and Zip Money to their list of acceptable payment methods, including major retailers such as Kmart, Target, Bunnings, Officeworks, and Kogan.
Zip now has a huge number of registered merchants in Australia and New Zealand, and you can use the service for all sorts of purchases, even gift cards, medicines, and travel spending!
Our shop also uses this payment method, so it's easy to shop for your favorite wig styles and shop till you drop!
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.