Skip to main content


ZipPay is an innovative service that is easy to use and allows you to purchase products that are shipped immediately but only paid for at a later stage. This means that using the service gives you the ability to purchase goods regardless of whether or not you have the immediate funds available to you.

About ZipPay

ZipPay is an easy to use and flexible buy now pay later credit solution. Essentially you get fair and transparent payment alternatives allowing you to purchase goods more freely and without fear of high interest rates.

The service provider has partnered with over 10,000 retailers to provide you with ZipPay checkout options in a variety of stores that you love.

How It Works

By applying to ZipPay, you are able to make purchases that you can pay back at later stages. Unlike credit cards and other similar payment methods, ZipPay is interest-free allowing you to save money and purchase goods in a convenient and flexible manner.

Using this buy now pay later service you will receive monthly statements that reflect your purchases. You can then choose to pay your statement in full at the end of each month, or you can just pay the required $40 monthly minimum, which is interest-free.

Benefits Of Using ZipPay

By using this service, you are able to enjoy many benefits over those associated with traditional payment methods. Some of these include:

  • No interest fees when purchasing goods using ZipPay
  • Simple and easy application process
  • Flexible payment options allowing you to chose exactly how you would like to pay back your purchases
  • You can make as many purchases as you like up to your limit.

Who is eligible for a ZipPay account?

To apply for a ZipPay account, you need to meet the following criteria:

  • Be 18 years or older
  • Be an Australian citizen or permanently reside in Australia
  • Have a verified Facebook, PayPal, or LinkedIn account in your name
  • Have a positive credit history
  • Have a verifiable email address and mobile number.

Frequently Asked Questions

Where can I use my ZipPay account to shop?

With over 10,000 partnered retailers including online stores, in-store purchases, and health clinics you have a number of places to use your account. For more information on what stores offer this buy now pay later payment method click here.

How do ZipPay repayments work?

This buy now pay later service offers you flexible repayment options allowing you to choose exactly when and how you pay for your purchases. You can do this weekly, fortnightly, monthly, or simply pay any amount so long as it meets the minimum $40 required per month.

How do I activate my ZipPay account?

To activate your ZipPay account you need to enter your secure SMS code. You then need to link your payment method to your ZipPay account and accept the T&C’s of the service. Once these steps have been completed, you will be able to begin purchasing using ZipPay right away.