Zip Pay

I needed to change my name and thought it would be a difficult process, I worked with a lady Nirwana, she made it a very easy process for me and once I’d submitted the correct documents my name was changed back to my maiden name! Nirwana was very helpful and kind. Thanks so much for your help Nirwana, you made the transition very easy for me!! Show 2 replies

I wouldnt say it has been a bed of Roses with Zip....they do try to make amends or to assist you in anyway they can when you need them to..At the end its about them trusting you vicw versa. Show reply

Amazing response time to an overpayment issue - online, email and phone contact and updates was nothing I'd experienced before. AfterPay can learn from this mob! Statements easy to access Show 2 replies

It's good , but be careful of overspending . Also if abused you could find it hard to pay back debt Show reply

I luv Zip great way to pay bill etc it’s great Show 2 replies

I was a little panicked when I rang and the gentleman who dealt with my problem was efficient, knowledgeable and polite. the problem was solved within the time frame that he had suggested. Show 2 replies

I would recommend Zippay to anyone who needs a low cost credit card, provided that they are good money managers, for those small to medium sized bills or purchasing online. Zip Care, their customer service centre has, for me, been exemplary in helping when I was scammed by the paypal scammer at no extra cost to me. Show reply

I have been with Zippay longer than I remember and have always used it in the way it was intended, as a pay in four service. I find it an excellent way to help with budgeting and it has helped me to have the things that I wanted. I recommend Zippay to any responsible person who knows how to control their money. Show reply

I needed a little extra time to make my monthly payment, so I reached out to Zip Pay to ask if my payment date could be changed. Their customer service was honestly fantastic. They were understanding, helpful and made the whole process so simple. There was no judgement, no complicated forms, no unnecessary questions — just a polite reply letting… Read more ·  1

me know it had already been taken care of. It was such a relief to be treated with kindness and respect. Great customer service and really appreciated.

While the service is good, I feel scammed by the cashback offers . After multiple purchases, none of the cashback offers were applied . I reached out to customer service and no progress in 2 months , just an email that they’re looking into it . Disappointed.

Once I finally got to talk to someone , my issue was sorted I think..time will tell. It did take numerous emails and phonecalls though over 2 months...when zip call back it's a mobile and my phone tells me it's scam so I don't pick up ..this issue needs to be sorted..

I recently increased my Zip Plus credit limit and have been left extremely disappointed by the experience. The communication around repayment obligations was confusing and inconsistent. I was initially advised that a one-off repayment would be required prior to 31 May and that the new repayment structure would commence from 1 June. However,… Read more

subsequent correspondence provided conflicting information regarding the same repayment requirement.

Despite having made repayments totalling $600 during May, I have had to repeatedly contact customer support to understand how those payments have been applied and why additional repayments were being requested. The explanations provided by different representatives have not aligned, leaving me uncertain about my actual obligations.

While the complaint team eventually responded, the overall process has been frustrating, time-consuming and lacking clear communication. Customers should not have to escalate concerns simply to obtain a straightforward explanation of how their repayments have been calculated.

Based on this experience, I have very little confidence in the consistency of Zip’s customer service and account communication.

I was not very happy with them I pay my payments all the time I pay extra when I can it’s been difficult atm due to lots of bills so I wanted an increase and was denied not happy at all I found this disappointing and not fair I can understand if I don’t pay my payments and they are chasing me but I have good credit was declined so I will be closing my accounts and going else where

Zip’s customer care is amazing - I couldn’t be happier - they went above & beyond my expectations & covered all areas of concern - I highly recommend Zip Sincerely Pip Show reply

ZIP MONEY AUSTRALIA REVIEWS: Warning About Hidden Fees, Interest and Deceptive Tactics I am sharing my experience to protect the Australian community from Zip's deceptive practices. Before using this service, I explicitly did my due diligence and called their team to confirm there would be NO hidden fees or interest charges. I was assured there… Read more

were none.

Verbal communication and corporate transparency are just as legally and ethically binding as any document. However, Zip completely omitted the real costs during that initial phone call to secure my sign-up. This is a deliberate tactic: they rely on an intentionally overwhelming volume of digital paperwork so that everyday people cannot read through it all, burying the trap where no one can easily see it.

I discovered the shocking reality of how they stack up hidden charges. On top of my regular monthly payment of $230, they are charging me an extra $37 in interest PLUS an additional $10 monthly account fee. This means I am being forced to pay nearly $50 extra every single month on top of my agreed payment. While I was aware of the standard $10 monthly fee, I was strictly assured that interest would only apply as a penalty if I missed a payment. Instead, they are charging me massive interest even though I pay perfectly on time every single month.

To make matters worse, their customer service is a nightmare. Their automated system claims a standard 15-minute wait, but I was forced to wait on the line for exactly 38 minutes just to get a human to answer, not including the lengthy conversation that followed just to be completely dismissed.

When confronted via email, their resolution team hid behind the "fine print" and completely ignored the fact that their representative misled me over the phone. They even tried to quiet me down by offering a mere $100 goodwill credit to sweep this under the rug, which I accepted strictly under protest, but it does not cover the ongoing financial damage caused by their lack of transparency.

Hiding life-altering interest fees and monthly account fees in walls of text while omitting the truth on sales calls is an absolute ethical failure. Furthermore, this crucial information about extra fees, high commissions, and ongoing monthly charges is nowhere to be clearly found in their public marketing, their mobile applications, or their website—all of which I audited thoroughly before making my initial call.

The actual breakdown of this trap is buried at the very bottom of a welcome email in a font so incredibly small that it is barely readable and nearly impossible to understand. They write it in a highly manipulative and confusing way so that people believe that if they pay on time, they will not face interest fees. The dark reality is that even if you pay flawlessly on time every single month, they will still stack up and charge you these massive interest fees regardless.

If Zip’s management and executive team want to prove they have any corporate integrity left, they need to acknowledge the deceptive design of their documentation and waive these unfair interest charges and fees immediately.

Until then, I will not only ensure this specific review stays highly visible across all Australian consumer platforms, but I will also continuously post additional reviews and comments across different forums and social networks to make sure the public remains fully informed about how this company operates.

POTENTIAL CLIENTS:

DO NOT TRUST WHAT THEY PROMISE YOU OVER THE PHONE. LOOK AT THE REAL NUMBERS BEFORE YOU SIGN UP.

PLEASE DEMAND FINAL, REAL NUMBERS OF EXACTLY WHAT YOU WILL PAY MONTHLY. DO NOT SIGN ANYTHING, DO NOT ACCEPT ANYTHING WITHOUT HAVING THIS. YOU WILL THANK ME LATER.

Extremely satisfied, Melissa was great helped me sort out my email issue and stayed on the line until confirmations were sent received and activated. Customer service excellence. Show reply

I'll start by saying I've been with zip pay for a while now they are very understanding and very caring their service operators are very well knowledged in finances and helping out in financial difficulties they don't ask personal questions like a bank or Linda but when you make your petition for the money they never say no not unless you have… Read more ·  1

done something very wrong to upset them but I'd never have because they're true to me I'm always going to be true to them if they're honest with me I'm gonna be honest with them they are lovely people doesn't matter who you talk to be nice to him and it'll know that their job helps you out and show respect and care when you talk to these service operators

I have being given the best service every time I have rang up for help im very happy with the help I got and it put me at rest knowing that My phoneing fir help it treated with great care from Glenand others I appreciate your service you leave a 75 mine at peace thanks zip Show reply

Excellent assistance, but it took a little while to sort out my request due to its nature. I was thinking that it would be a stressful exercise, but the customer service person made it easy for me. I recommend that anyone who has an issue with their ZipPay account to please contact them. It is an easy exercise in customer service. Show reply

I would just like to say that dear Ms. Holly was very Polite, Friendly and Helpful with my Inquiry yesterday and she was happy to check my Account was all GOOD :) Show reply

You make a repayment and then that repayment amount becomes available to uses on the zip pay card so if you use it to but things like coffee, lunch your amount owing stays the same bit of a trap

ZipPay is one of the most unethical BNPL providers ever. We are currently experiencing financial hardship and only had $300 left in our bank account. Zip took everything in our account, leaving us only $5 to eat for the next 9 days! They also took the last $50 I had to eat in another instance, leaving us destitute. They worst part was that these… Read more

were unauthorised charges that they take out of your account at anytime. They also automatically reduce your credit limit without warning, making you pay the immediate outstanding balance. This can put you into more financial hardship because you suddenly owe a lump sum and your account is frozen. They just take what they want and have NO sense of empathy. DO NOT do any business with this company. They will kick you when you are already down!

zip pay is one of the best if not the best credit companies in Australia. zip are very reasonable if your payments are a little behind. keep on keeping on zip pay. Show reply

If you do use zip...only get $500 credit limit...they will always try to offer increases..just ignore.. if you need more than 500..get a bank loan.cheaper interest rates. Zip.are greedy . And will ruin your credit history..a lot of my friends have 5000 limit. And they are tradies making good money..but struggle to pay zip account crazy interest rates. . Show details