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
Always a problem
Haven't been able to sign into my account for over a week. Can't even check my account and will be very angry if they try to charge a late fee as I can't access my account due to an error on their behalf.
Not the first time I've encountered this issue.
Avoid Zip Pay
Obstacles just about every step of the way.
It was so much better before, being able to pay off shops directly without the 'middle man' (i.e. international companies such as Zip Pay) limiting us and causing unnecessary stress. Zip was also too invasive of privacy and required too many personal details. Uncomfortably so. Maybe if enough people decide against using Zip, retail outlets in general will see value in returning to simple customer-to-seller payment methods?
In the end we decided to go with a low-rate credit card...and we have always decided against a credit card before now, so that's saying something!
Save yourself the hassle, give zip the flick!
easy to spread payments
have found them very accessible easy and easy to manage in the budget, big or small you choose the payments - found excellent for gifts and needs and work in the budget- the only thing to be able to contact would be nice if ever have an issue.
Not very customer friendly
I enjoyed having a Zippay account for the convenience,
and was pleased with the service,
Until I had to query a gift card purchase where I had not received the Gift card I had purchased,
My account was sent to a locked state by the customer service representative and I had to make several phone calls to have myself verified and have the account unlocked, at my own expense all for something that I had already paid for and simply was asking to have emailed to the address noted on the account.
I will never use or recommend Zip to anyone.
Afterpay or Latitude are way better options.
Terrible, terrible alternative to a universally superior Afterpay
Do you love getting told your password is incorrect right after you've changed it? Do you love getting automatically charged in full for your purchases through Zip? Do you love having to verify your account by logging into 4 different accounts every single time you want to reset the password you just reset? Do you love trying to buy something through Zip in-store only for Zip to tell you the currently active code is incorrect, as you stare at it on your phone? Do you have a soft side for terrible user interfaces? Do you love getting logged out of the app every time you try to search for stores that, for some reason, still take Zip? If you have an IQ under 30 and enjoy supporting dodgy, scuffed businesses, then this is the app for you.
Great product, until your account, is locked from a glitch.
I have gotten a few things on it, never missed a payment thanks to its automatic system that has the ability to change how much you pay monthly, or in my case fortnightly. My only issue is with their account lock system. You have to call them up to ask for your account to be unlocked. I am fine with that part. They send you a link to an identification survey. Which is fine, until you actually have to give your ID. They seem to only have options for a "driver's license" or "passport". Neither of which I own due to medical reasons and never going...overseas. Even my government-issued ID card is useless here. I find it kind of discriminatory that we are expected to prove our identity with items not everyone has or can have. Anyway, It's great and works well, my experience with customer service has also been quite good, though they couldn't help. My only issue is that my account was locked simply because their 2fA sent me the text 5 minutes late, and apparently you have 2 minutes to enter it, which I found out later. I entered the late code and my account was locked instantly. No retries or anything. I then spend time trying to unlock my account, to find out they require identity that not everyone has. My review of 2/5 stars may be harsh, but the only reason I didn't give it lower is thanks to the awesome staff and service I had received while using it the last year or so.
Zip pay has been so easy to use
I’ve been with zip pay for a while now and not had one problem.the app is easy to use and setting up your repayment schedule is really easy and yes there’s a $6 fee at the end of the month but hey everyone gotta make money at the end of the day:)
Debit trap - Other credit products are better value - $6/ month on the default $350 approval.
Tried to debit my account for more than the monthly minimum, no way to speak with customer service. Email only (ignored) no phone number to call. No explanation, website and direct debit values are different.
Dodgy as recommend afterpay all day of the week
Had to pay way more than I spent even though I made extra payments. Poor customer service haven't gotten back to me for weeks now so they can charge the extra monthly fee from me. Very dodgy doesn't recommend at all. All the advertisements about interest free repayments!!! Crap. Would recommend afterpay over this dodgy company any day.
no good to deal with them
i was long ago customer of them and wasnt approved for zip money the charges on my old account were i lost my wallet in hospital was passed to debt collection was while back was charged heavy fees lot trouble my advise dont go into this as u end in debt save money buy when u have or go old school laybuy or u lose your credit score in end
Frustrating trying to change MOB number
In November I was robbed in my home when a woman broke in through our patio doors. She stole my wallet and MOB phone and several other items. I informed ZIP Pay that my bank account had been frozen and that a new card number would be issued and they held my payments until I provided them with the new card details and didn't charge a late fee. However, changing my MOB number has turned into a nightmare since the 5th of Dec I have had contact with ZIP by email and by phone ( landline) and MOB text and while I have a pre-paid phone I have provided...them with proof that I own the phone. Now they want me to take a photo of my self with my MOB and send it to them. I do not use my MOB to take photos so I am not sure how to use that facility and I have no one available today to help me. I am 73 years of age and while I am computer savvy I use a PC rather than my phone. Who would think it would be so difficult to change the phone contact number on my account. I had no such problem changing it with all the other institutions that I had to inform of the other phone being stolen. While I will still pay my account with ZIP I am now no longer able to use their service to make purchases that is my punishment for being the victim of a crime and for being a senior citizen.
Very poor customer service.Phone app has issues.
I closed my zip pay account due to there app being flawed.
Customer sevice were terrible and wernt able to resolve my issue.
The balance i was given in the app was paid however despite having a screenshot to prove the amount i still owed $6.
Quute happy to lose a customer over such a small amount
The actual Service itself is good, however the customer service is terrible
The service itself is very good, heaps of options, easy to use app, and I love the flexible repayment options as someone who gets paid monthly. Just such a pity their customer service is terrible if you ever have a problem. Might as well have a robot on (it might be actually) just stock standard replies not actually reading your issue and responding accordingly, no help whatsoever. It’s really put me off!
Zip Pay Queensland Rego
I Have been with Zip Pay for over a year now and found them to be a great option for buying things that I need last month when they brought out paying your Qld Rego it was unreal so last month I jumped on and payed one of my car Rego never had a problem this month I find out that they aren't gonna doing it anymore a lot of Qld customers will be very disappointed as it is a handy and at this time of the year it is a necessity and with 2 cars I needed it but that's not right as all other states are getting their Regos played for and Qld aren't very disappointed in that and a lot of other Queenslanders will be too
The reviewer stated that an incentive was offered for this review
I have used Zip Pay a number of times, never had a problem. It has made it easy to budget as I have set up the payments to hit on the days money is in my account. I do prefer Zip Pay over other lines of credit available, I've been such a good girl, my limit has increased. Love it really.
Thank goodness for zip pay
Had no money so signed up in a few minutes the next hour was at the mall buying things I needed. Brought a coles voucher immediately got sent to my email and had no trouble at all scanning the barcode on the email. Have had positive outcomes so far
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Questions & Answers
Honestly so bad. I ordered 2 x gift cards and 2 days later they still have not arrived. I’ve tried to call and was on hold for 2 hours so gave up. Absolutely terrible service
I'm sorry to hear about your experience and whilst I understand your frustration we have these steps in place to ensure all accounts with us are kept as safe and secure as possible.
please email us at email@example.com where we will be able to assist you further.
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