Financial Information and Payment Options

Zip Pay and Zip Money are perfect for everyday expenses and offers the ability to transact just about everywhere, so you can manage all your expenses in one place and repay on a schedule that suits you. To shop instore, Zip Pay users can tap to pay at checkout.^

To get started with tap to pay, simply navigate to the Zip app and click on the pay tab in the bottom menu. From there, you can follow the prompts to set up your card and add it to your Apple Pay or Google Pay wallet.

To shop online, use the Zip mobile app and generate a single-use card at the checkout anywhere Visa is accepted.

With Zip Pay a $7.95 monthly account fee applies, Zip will waive the fee if you pay your statement closing balance in full, by the due date.

With Zip Money a $7.95 monthly account fee applies which is waived if you have nothing owing.

With Zip Business Trade1 a $20 monthly account keeping fee applies which is waived if you pay each month’s closing balance by the end of the following month. There’s a 1.95% invoice and BPAY®* processing fee if you choose to pay using these methods. There’s a late fee of $25, calculated monthly, if you don’t pay the minimum amount by the due date. Zip may charge you a bank dishonour fee to cover costs involved if a payment is rejected due to insufficient funds or incorrect details.

With Zip Business Trade Plus1 there are no extension fees if you repay any transaction by the end of the following month. Or automatically move to a repayment plan of 4 equal monthly repayments with a one-off extension fee of 4%. There’s a 1.95% invoice and BPAY®* processing fee if you choose to pay using these methods. There’s a late fee of $25, calculated monthly, if you don’t pay the minimum amount by the due date. Zip may charge you a bank dishonour fee to cover costs involved if a payment is rejected due to insufficient funds or incorrect details.

Zip Business Trade and Trade Plus accounts are different to Zip Personal accounts.

To apply and be eligible for the Zip Business Trade or Trade Plus accounts, you need:

To have an active ABN or ACN
6+ months in business
More than $5,000 in monthly sales

Not eligible for Zip Business Trade or Trade Plus? A Zip Personal account may be suited to you. Zip Pay is for payments up to $1,000, and Zip Money is for bigger purchases over $1,000.

See the full list where you can shop with Zip: https://zip.co/au/shop

Shop everywhere online where Visa is accepted with Zip’s single-use card feature on the Zip mobile app.^ Or shop anywhere instore you see Zip at checkout – Zip are partnered with 40,000+ retail stores.

Additionally, you can use your Zip account to pay BPAY bills and buy gift cards for food, fuel and subscriptions.

Yes! Zip allows you to shop just about everywhere, online and instore. Zip gives you the flexibility to set your repayment schedule to suit your lifestyle – choose weekly, fortnightly, or monthly. You can also pay your bills, buy gift cards and earn rewards when you use the Zip app.

If a retailer or service provider agrees to a refund, your Zip account will be credited with the agreed refund amount. The funds will then be put towards your owing balance or depending on the refund amount your account may be placed in credit. Subject to retailer or provider refund policy.