zipPay is a payment service that lets you receive your purchase now and spread the total cost over a interest-free payment schedule.
To make a purchase with zipPay
- Select Pay Later with zipPay at checkout
- Returning customers only need to confirm the order to complete the purchase
- New zipPay customers can sign up at checkout and start using zipPay today
- Your order is processed immediately and you can then establish your payment schedule with zipPay whether it be weekly fortnightly or monthly.
You can manage your payments by logging into https://zippay.com.au/login/. Here you are able to change when the payments come out and what time period you pay them off in.
If you do fail to make a payment, a default fee of $5 may be charged. Additional failure to make payments will result in further charges being applied to your account. These fees will be incurred for each payment that is late. Please see zipPays's faq for the payment terms and conditions.
You can use your zipPay account at a growing list of merchants online and instore.
If you are selling online check out What is zipPay - for merchants.
Can I exceed my zipPay limit?
You can shop and spend more than your limit if you have a sufficient balance on your debit or credit card to complete the purchase.
However, if you exceed your limit this will change the way in which you will be required to make payments to zipPay, as the excess must be paid at the time of purchase.
For example, if you have a limit of $1000 and want to purchase an item for $2000, your designated debit or credit card will be charged $1000 on the date of purchase. That is, the $1000 “limit excess” and you will then pay the other $1000 in your desired payment plan as arranged with zipPay (e.g. weekly, fortnightly or monthly).