Interest-free repayments and no establishment fees for ZipPay (maximum $1,000 account limit)
3 month interest-free period for ZipMoney (minimum $1,000 account limit)
Flexible payment plans - set up weekly, fortnightly or monthly repayments to suit your schedule
$6 Monthly Account Fee if you have a balance
$5 ZipPay / $15 ZipMoney Late Fee if you've made no repayments within 21 days of the due date
1.5% payment processing fee if you use Zip to pay bills
Minimum $40 monthly repayment required
Conducts credit checks during applicatiopn; will affect your credit score if you default on payments
Lack of transparency in providing fees and other crucial information upfront
As the owner of three businesses, I decided it was time to consider whether it's beneficial to implement Zip Pay. Headed to their website and the most obvious information is not disclosed ie what are the fees to businesses... is the business paid 100% of the transaction total upfront, with Zip Pay bearing the delayed installment repayments by the customer, or is the business owner the one who receives delayed payment. Nowhere is this information displayed or disclosed on the sales landing page! This creates an instant feeling of mistrust for me...as a business owner. Nevertheless I emailed ZipPay with my questions... 24 hours later, I am still waiting for a response. The lack of clear information on their terms of service and poor customer service, led me to this sight, as I was keen to read what others experience has been with Zip Pay... say no more!
- Verified customer
Great, Love it.
Was very easy to apply, they do set a limit and show you how much to pay a month for that limit, if you increase so do the monthly payments but very affordable and you can adjust to your payday as long as it pays the monthly amount. There is a $6.00 monthly fee very affordable considering what you can do.
Very easy to use at the shops or online purchases, i just paid my REGO for my car, which is so useful specially this time of year.
The customer service is great any issues they will help you out no worries at all.
I would prefer this over a credit card any day.
there is 2 types of ZIP Zippay (my review) & Zipmoney (which is more of a loan/CCard is a lot harder to apply)
this is a terrible service
will never recommed zippay to anyone I know because ive been rejected 3 times trying to create a account at least with afterpay they're not as strict as these fools plus zippay checks credit ratings which is not helpful in most cases I'm going to always use afterpay as my main way of shopping online with afterpay I can spend up to 1500 right now forget zippay
AVOID ZIP AT ALL COSTS
Zip advertise their gift cards as hassle free but It has been nothing but a headache for me. I Ordered a gift card on Saturday around 3pm thinking id get it immediately. After numerous failed contacts the agent said itd arrive on Sunday at 10am. Sunday came and went still no gift card. Contacted them again and they replied with a cookie cutter response asking me to check my spam - they told me to check my spam on the first contact. The goddam transaction is still pending! It is a problem on your end zip. Horrible service. Do not use. Im not touching them with a 10 foot pole. Thanks for nothing zip.
Have to change schedule instead of making payment before due date.
I just finished my first zip pay experience- If you want to pay your owning amount for that fortnight early you will have to pay double it does not revert to the payment date and will take the amount owing on the due date. The only way to avoid this will be to change your schedule date manually which can be a pain if you do not stay on top of it.
I think they scam people. It seems they won't sign anybody up in general. They give pathetic excuses as to why you can't get an account. Something should be done about this company.
November 30th 2019 Update: Disappointing
Zippay is not good. It's all run by generated computer mumbo jumbo. Terrible app, you just get a continual drivel of same reply. Impossible to join up. Thumbs down from me.
Dodgy service and over paid from my a/c
I bought a product using zip pay ,
for $864 . monthly instalment was $72. I paid for 3 months, thenI decided pay fully, because I found they over charging from my account.When I contact the customer care the the respond was disappointing.I am no longer want to continue with zippay .
I love zip pay but this morning the app will not load anything related to my account. I needed to pay a bill then next week want to make extra payments but at this moment I cannot do anything which is very disappointing.
App is terrible
When trying to go anywhere from the your zip section it wont load anything. Just says something went wrong, unable to load. I need to pay off an order so I can start another one as I have a crappy $350 limit. Afterpays system work 10x better!
Zip pays App is shocking
I will not deny that having a Zip pay account makes life so much easier, being able to purchase and pay later. No different to Afterpay however, Zip pays App has left me in an embarrassing situation many times. I have used Zip pay at Bunnings warehouse several times and 9 times out of 10, I am left at the counter with a line of people waiting on me due to the app not following through with my instore purchase as it should be. It asks to generate a code and then sometimes it sends a code to my mobile phone which has to be verified. I then have...to enter this code and that's when thing hits the fan and it does not proceed to the next stage. What I do not understand is WHY it sometimes sends a 6 digit code to my phone before the retailer can scan the bar code, only sometimes it does this and that's when problems occur. Very embarrassing. Zip pay need to fix the issues with their App.
What a nonsense company
dont do it people they are hacks ...use afterpay way better set up no nonsense credit checks zip will knock you back for no reason leaving a knock back on you credit file and dropping your score!
I think Zip Pay has been hacked.
When I try to log in,they take me to my PayPal account and ask me to initiate a one time 4 digit password.
This hasn't happened before!
Why is Zip Pay doing this,as this action is compromising my PayPal accounts security.
I contacted Zip Pay support and one non convincing answer,then nothing.
Repeated email requests my me have gone unanswered!
Zip customer service sucks!!
So slow to respond or just don't, their chat platform doesn't work!! and their answers are always shifting the issue to someone else... they are in no way helpful and incredably difficult to close your accounts.
SCAMMERS! Been ripped of over $600
HAVE BEEN SCAMMED OVER $600.
completely hopeless. they have scammed me out over $600, i have contacted them countless amount of times and they come up with a new excuse each time, "i have to have another meeting about this situation"
, "i have been advised to do nothing and watch this case for the next few week",
if this was paypal i would have gotten my money back no questions asked.
they like to make things as complicated as possible and waste everyone's time, i contacted them everyday for about 3 months trying to get this resolved and all...
Change phone number
I have been trying to change my mobile number on line, they dont do that, tried ringing customer service, casnt get through tried the online chat line, nobody there. I have used them for a while, but they make it very hard to do the simple things.
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Questions & Answers
Hi Zippay, I have been attempting to pay qld rego by zippay now for over a week. It is now putting my payment into the range of 3 days before due. Will this issue be discarded once you are over your unscheduled maintenance issue and allow for my rego to be paid? susique
Do you have a time frame for when car Rego will be available again for payment via zip pay ? I know theres an issue now but will it be 1 day , 1 week , 1 month ? Just being Christmas season would be nice to know and plan ! Thanks.
HI Claire, i payed mine last month as soon as i had received it with no issues, i was thinking since its near Christmas they maybe had a heap of people online at once, also this was one of there guidelines:
(Unfortunately, for registration bills, we are unable to accept bills that are either overdue or due to be paid within three business days.)
also remember there is a small payment processing fee of 1.5% per bill.
I would suggest if you are having issues call or email as they are pretty good to talk to :) hope that helps
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