Buy Now, Pay Later with
flexible monthly payments.
Get your account
Sign up in seconds. Shop without a credit card.
How zipPay works
Checkout with zipPay
Create your account and confirm your purchase
Your order is processed immediately
zipPay pays on your behalf!
Pay over time
You pay zipPay back over time in easy weekly or monthly payments
zipPay is a simple and secure payment option, that let's you shop today and pay later for your purchases.
Key features and benefits
Up to $1,000 to shop anytime
Easy weekly or monthly payments

Shop better, faster, smarter online.
Frequently asked questions
Who can apply?
Any Australian citizen or permanent resident, who is 18 years or older and is employed, earning at least $300 per week.
How much does it cost?
At the end of every billing month, you can choose to pay off your balance in full, or simply make a payment that suits your budget (note: there is a minimum repayment of $40 per month required). A $6 monthly account service fee is added to your account for any month you have an outstanding balance.
There is NO establishment fee 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! Additionally, 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.
How can I apply?
You can APPLY HERE or while making a purchase at any participating stores. 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 (e.g. your name, email, mobile, address, DOB and gender). 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.
Need some help or have questions about zipPay?
Customer service: 02 8294 2345
What do people think?
I can't believe how helpful zipPay has been for me and my partner. It's made things so much easier.
Samantha D
The staff are zipPay are some of the friendliest and coolest people I know! I use zipPay wherever and whenever I can!
Lisa M
Super easy to use. Having flexible payment options for online shopping has changed everything.
Rebecca R