Zip Pay is an interest-free payment solution provided by Zip Co and it is a fast and easy credit solution. With Zip Pay, you can make purchases from $350 to $1,500 and pay later in regular interest-free installments, no credit cards required. It's by far the most flexible solution because you can shop and receive your goodies without a deposit.

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.

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 $350 and $1,500. 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 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 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

A growing number of stores are adding Zip Pay and Zip Money to their list of accepted payment methods, including big retailers such as Kmart, Target, Bunnings, Officeworks and Kogan.

Zip now has over 24,500 merchants across Australia and New Zealand and you can use the service to buy all kinds of goods, from clothes to gift cards, pharmaceuticals to travel.

Zip also has a 'Tap and Zip' feature in Zip Pay that allows customers to shop where contactless payments are accepted by linking to Apple Wallet or Google Pay.

ZipPay, Quadpay, buy now, pay later