• Shop without a credit card

  • Easy monthly repayments

  • No interest ever

  • $1000 shopping account


1. Checkout online with zipPay

Create your account and confirm purchase

2. zipPay pays on your behalf

Your order will be processed immediately

3. Pay off your balance over time

Easy payments that suit your lifestyle

*Read more about zipPay here


  • Must be an Australian citizen or permanent resident

  • Must be 18 years or older

  • Must be employed, earning at least $300 per week


How much does it cost?

At the end of each billing month, you can choose to pay off your balance in full or simply make a payment that suits your budget (Please note there is a minimum repayment of $40 per month). A $5 monthly account service fee is added to your account for any month you have an outstanding balance.

There are NO establishment fees to setup your account and NO interest ever! If you have repaid your balance in full within 30 days you will never be charged any fees!

Once you have repaid your balance down to $0, no fees will ever be charged to your account – it will simply remain open waiting for you to use again to make additional purchases.

Can I return my order if the item(s) are unsuitable?

Yes, you are eligible to return your order for a refund, provided our returns policy is adhered to.

Note: If you purchase sale items, you are eligible for a store credit or exchange only.

How can I apply?

To create a zipPay account, all you need is a social media account and to confirm the details that you would normally enter when shopping online.

Subject to approval, this process takes only seconds after which you can complete your purchase and pay for it later!

Once you’re approved for your zipPay shopping account, you never have to apply again and can continue to reuse it as much as you like.

Apply here.

How will I receive my statement?

All of your recent activity can be viewed when you log into your zipPay Digital Wallet. When your monthly statement is ready, you will be notified by email. Every month your statement will include:

  • All new purchases made

  • Payments applied on your previous statement

  • Your billing due date

  • Minimum payment due

  • Any fees charged during the statement period

Please ensure you add zipMoney to your safe recipients email list to ensure no emails go into your spam folder.

How do I make payments?

To ensure you never miss a payment you can setup a direct debit to automatically make your repayments. You can set this to run for as much as you like and as often as you like, as long as you pay at least the minimum ($40) each month.

Additionally, you can make a one-off payment anytime by logging into your zipPay Digital Wallet and selecting 'Make a Payment' Payments can be paid online by debit card, credit card or Bpay.

Should you have any difficulties in making your payments, please contact zipPay.


Phone: (02) 8294 2345