4,506 reviews
AI reviews summary
Pros
Verdict
Overall sentiment towards Zip Pay is largely positive, with many consumers praising its convenience as a financial backup for bills and everyday purchases. Users frequently highlight the helpfulness of the customer support team and the flexibility of the repayment options. While a subset of reviews raises concerns regarding unexpected fees, account locks, or communication challenges, the majority of customers report a smooth and reliable experience.
My son’s phone had broken and thanks to Zip I was quickly able to buy another one online. Easy access, repayments are at your affordability. Smart if you add a little extra to cover the monthly fee. Thanks Zippay, my son now has an iPhone 15 and he’s so happy.
I’d be absolutely lost without the ability to use Zip Pay OR Zip Money. It’s saved me on many occasions. Everything from needing new tyres to having to buy unexpected gifts. I love it Show reply
Reviews with attachments
They have been good through the whole process and given great customer service. Show reply
Zippay is awesome for you and your business give it try it makes my life easier hopefully it will you and your business too Show reply
- +2
Zip are useless and I would recommend that you stay away from them!!! I have not been able to access my account online due to changing my mobile number, and I have completed the form they require approximately 11 times and they still have not updated it. There is no customer service contact number etc so the error will continue to remain. I am… Read more
keen to posted the form and all the dates I’ve submitted it on many forums to show that they are useless.
I really love this app most life saving app i have ever used... Show reply
I am currently dealing with an unauthorised transaction of $594.97 on my Zip Plus account that I did not make or approve. The transaction is listed as “Amazon AU”, however Amazon has confirmed that the Order ID provided does not match their system and does not exist. This raises serious concerns about the legitimacy of the charge. Despite… Read more
reporting this to Zip immediately and taking all recommended security steps (changing passwords, enabling two-factor authentication, locking my card), I am still waiting for a clear resolution.
To date: • The transaction has not been refunded • There is no confirmed timeframe for resolution • Communication has been limited to “we are looking into it”
In the meantime, I am expected to continue making repayments on a balance that includes a fraudulent charge. This has had an immediate impact on my finances and budgeting.
This situation is not just inconvenient — it leaves customers feeling financially exposed and unsupported when something goes wrong.
I have now escalated this matter to the Australian Financial Complaints Authority (AFCA).
I would strongly recommend that Zip improve its response time, communication, and customer protection processes in cases of suspected fraud.
Hi Lisa, We’re really sorry to hear about your… Read more
Latest follow-ups
Virtual Card issue – Had an issue with generating a virtual card for a purchase, restarted my phone, uninstalled the card from the google wallet (only option is to have it in a google wallet, which i don't like) in the end i rang Zip Pay for help, explained the issue… Read more · 2
after i was fully identified, they could not do enough to help me. They deleted the card from their end, told me to wait 5 minutes then try generating the card again. Had no further issues. Very polite, based in Australia
Follow-up · Nothing more to add, have had no further issues
Easy to use, very practical, great way to manage spending habits… Show reply
Follow-up · Nothing changes from my original review. Great, convenient app to help manage bills and cash flow. Love it!
Very good help from Zip Pay when needed, I phoned their number and immediate help. A great Product. Show reply
Follow-up · I love ZIP. many a time ZIP has saved me when in need. I do not have any issues. Easy to use. Easy to understand. Love ZIP.
Positive reviews
Being with zip is great as it helps me on my pension to get the bigger items that I couldn't normally afford and its really easy,with convenient direct debit repayments from my bank accout Show reply
Jonny from zip understood my issue away and was clear simple for me to understand,and he assured me contact me via email asap very supportive i recommending him 5 stars overall good communication and good time management Show reply
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All my experience with zip staff has been exceptional. They have assisted me over a long time with considerations to my budget consistently. I would recommend them in a heartbeat. Thank you Zip Show reply
Negative reviews
I was very happy with Zip until I had a problem. They are difficult to deal with when there’s an issue and their responses are slow and they don’t seem to follow through very well. It’s a great help otherwise unless you have an issue- then they are not so good and different departments have you running around in circles trying to provide information you’ve already provided multiple times
Hi Paul, Thank you for sharing your experience. We’re… Read more
These guys really need to do better. I already have a zip account and tried to upgrade to zip plus. The runaround they’ve given me is ridiculous. Last week they requested my three latest payslips. As I’m self employed, they requested my three latest invoices - which i supplied. I also enabled them to access my bank accounts. They claimed a couple… Read more
of the amounts on the invoices weren’t reflected in my business account. I pointed out each date that deposits were made as per the invoices. I never heard any more until today and another person asked for me to upload statements for the last three months. As if nothing had occurred last week. Get your sh*t together Zip.
Hi Kerri, We're sorry to hear about your experience… Read more
A double payment came out of my savings account l asked for a refund of one of the payments. I was really pleased how quickly they attended to my needs but they take the money out of your account instantly but l have to wait 5 business days for my refund. I am a pensioner and l need to pay my bills. I had to borrow the money from someone so l could pay my bills
Hey there, Thank you for sharing your experience. I am… Read more
Recent reviews
I would like to say that the lovely young Lady that HELP me with my Inquiry yesterday was very Friendly, Helpful Polite & Understanding with what I wanted to buy and she gave me great assistance 100%. Thank you with best Regards Richard Evans :). Show reply
I love Zip it’s great for large bills when you have that one too many out a pay day, and I also love it for gifts when I forget to put something aside, also when I see something on special before payday, I can pay in the set monthly instalments but I also pay extra when I can so I have more for that safety net if I need it. Thanks ZipPay I love having this available when ever I need it. Show reply
I’ve been using ZIP for a long time now, and I’ve always found it hassle-free. Being able to pay early, move payment dates around when needed, and even pay extra makes everything so easy and flexible. The app is simple to use, and I’ve never had any issues. I’ll definitely continue using ZIP. Great option for anyone looking for a convenient and flexible way to manage payments. . Show reply
i needed help regarding my payment, and the response from the zip team was very efficient and handled with clear communication and care. zip pay in general is a wonderful app to use, allowing clients to personally curate a payment plan that suits each individual’s financial need. 1000% recommended ! Show reply
I’ve been using Zip Pay for around 5–6 years now and have always been happy with it. The payment system is easy and convenient, and whenever I’ve needed help, the staff have always been friendly and helpful. It’s also great to see more and more shops accepting Zip, which makes it even more useful. Overall, I’ve had a really positive experience with Zip over the years and would definitely recommend it. Show reply
Find out how Zip Pay compares to other Buy Now, Pay Later Services
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I have had nothing but helpful and positive interactions with the service I have received from customer agents. I have been with Zippay now for 8 years and would recommend Zippay above any other pay by instalment agencies Show reply
My experience with the customer Service team is and always is top notch, they are helpful caring and understanding people and go out of there way to help you the best way hiw, always let them know if your having a problem and they will do their utmost best to help you. Show reply
My experience with Zip has been amazing, couldn’t have asked for better people, i received the help, but also was informed of the hardship part and so very helpful. Show reply
Have had yet another pleasant and professional interaction with the staff at Zip Pay.(as I ALWAYS do when contacting their staff handling concerns).On this occasion I needed to contact them in regard to a purchase I made with Amazon Australia.The two highly knowledgeable and helpful people I dealt with at zip pay were Rai and Patrick.This was… Read more · 1
absolutely not a mistake from Zip pay but a blunder/mistake from Amazon.They kept telling me my payment did not go through from zip pay and yet we could all see how wrong they were….BY THE WAY,good luck trying to get someone as helpful and professional as Rai and Patrick from zip pay than the staff at Amazon….Zip pay were all professional and knowledgeable about what my next step would be and they assured me that a payment DID go to Amazon and not to worry because if product did not show up they would do a chargeback.After so many incompetent customer service people at Amazon I finally got a lady that recognised the mistake and the package showed up.Amazon kept insisting money did not go through when evidence I sent them showed otherwise.In meantime I cancelled Amazon and will use eBay instead.Many thanks again you guys at Zip pay.
Zip pay has helped me with my enquiry and helped me find phone number so I can make contact ith the merchant I have done this and waiting for reply thankyou so much for this Show reply
The person that helped me was very good and very well mannered took the time to listen I thank him for helping me I find zip people very good and easy to talk to Regard June N Edwards Show reply
Follow-up · Yes it was resolved straight away very helpful took the time to listen
I had the need to use Zippay for a while and found it to be handy during financial crisis with no fees if I paid what I owed in a reasonable time Great customer service and support highly recommended Show reply
Follow-up · Sign up was quicker than a Bunnings sausage Credit limit for me was $1,500 at sign up. Eventually raised to $5000+ with fortnight payments as suggested in app to avoid fees
I cannot believe how unreliable Zip is. They blocked my card completely without any warning or notice at all. Yesterday I was at a service station and suddenly couldn't pay for my petrol while there were lots of people around. It was incredibly embarrassing and they put me in a terrible situation for no reason. They claim they tried to contact me… Read more
but I never received a single message, call or email from them. Absolutely terrible service, I do not recommend them at all.
Hi Darren, I am really sorry to hear about your… Read more
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Hi Rebecca, We’re sorry to hear about your experience… Read more