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Zip Pay

Zip Pay

4.1 from 1,224 reviews

See the Best Buy Now, Pay Later Services in 2019 as rated by Australians on ProductReview.com.au.

Pros

  • 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

Cons

  • $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

Reviews

Review distribution

5 star
785
4 star
183
3 star
39
2 star
21
1 star
196

Zip pay has scammed me $258.

published
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Evan S.

Evan S.Greater Melbourne (Outer), VIC

Do not apply for financial hardship

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Maz

MazIllawarra, NSW

  • 2 reviews
  • Verified customer

Very happy.

published

I'm on a pension and got approved straight away. I've had had no problems at all. Bought a few things, paid vet bills. Very very happy with Zippay. I was really surprised with all the negative reviews.

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Trash. Should have an option for 0 stars

published

Horrible customer service. No information supplied as to why application is unsuccessful, even if you reach out to the help team - they just send you this...

We look at things like your credit score, income stability and if you can pay back the credit. We also check your identity (via Facebook or Paypal) to make sure you are who you say you are. We cant specifically tell you the exact reason as to why you have been declined, but we hope this gives you some idea on how we make a decision.

If your circumstances change you will be eligible to reapply in 12 months time, however we are unable to overturn the decision in the interim.

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1 comment
Zip Pay
ZipZip Pay

Excellent user interface

published

Simple and easy to use. Same day application and approval. What more can you ask for ?
Much preferred this product to the rigid structure of afterpay. Highly recommend giving it a go at the very least

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Fahida M.

Fahida M.Darwin, NT

  • 2 reviews
  • 1 like

The worst!!!

published

Zip pay declined my application . I think itsbecause of the credit score. I am glad that I already have afterpay and they have increased my credit limit. I would highly recommend afterpay.

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2 comments
Zip Pay
ZipZip Pay
Fahida M.
Fahida M.

I have never had a credit card, never been due in any of my payments FYI. With afterpay, they have accepted me and have gradually increased my credit limit because of my timely payments. Highly, recommend afterpay.


Tim

TimMid North Coast, NSW

  • 11 reviews
  • 14 likes

Locking account for no reason

published

Cant access my account after paying it off wel before can no longer use zip pay will not give me a reason
Poor customer service will stick with After pay from now on

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1 comment
Zip Pay
ZipZip Pay

Zip happy

published

Excellent service excellent product excellent security excellent front desk. great alternative for a credit card and as long as you make regular payments its a great asset to have. Zip Happy

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Terrible customer service

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1 comment
Zip Pay
ZipZip Pay
Claire

ClaireSydney, NSW

  • 2 reviews
  • 2 likes

Locking account for no valid reason

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1 comment
Zip Pay
ZipZip Pay

Shane A.

Shane A.

  • 2 reviews
  • 2 likes

Loan to buy several things.

published

I asked zip pay for $3100.00 loan but only gave me $500.00 and would not give me anymore then the $500.00 I told them this is nowhere enough but reply and said that I pay of this loan I would get more then again after paying then second loan they would give even more, all they did was waste my time and that's what they are is a waste of time.

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2 comments
Zip Pay
ZipZip Pay
Shane A.
Shane A.

Will you just forget about it I'm sick of zip pay leave me alone, it's zip fault.


Jit

Jit

  • 2 reviews
  • 3 likes

They charge Monthly Account Keeping Fee

published

Better to go with After Pay because they don't charge Monthly Account Keeping Fee.
ZIP Pay is Unfair.

$6 is charged every month for some condition which does not make sense.

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1 comment
Zip Pay
ZipZip Pay

John40

John40MELBOURNE

  • 3 reviews
  • 5 likes
  • Verified customer

Customer Service is poor and slow to respond

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1 comment
Zip Pay
ZipZip Pay

Allen S.

Allen S.Sydney, NSW

  • Verified customer

Zip pay never

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1 comment
Zip Pay
ZipZip Pay

Matt

MattRichmond-Tweed, NSW

Zippay is a scam

published

I Set up zip money purchasing one item bpayed $ 1000 straight away 2 weeks later they are still not able to show ware the money is or helping I had checked all the details several times be warned do not do business with them !!!

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1 comment
Zip Pay
ZipZip Pay
Alex D.

Alex D.South East Queensland, QLD

No thanks

published

Came to have a look.... Was considering?
Never seen such customer dissatisfaction!
Will avoid like no ones business.... Cheerio zippay....! Bbbbbb ccccccc gggggg ghj fgyj hfthh hjjj dfghhj gnkkk gjjkkmj bhgfv hhhjj

1 comment
Zip Pay
ZipZip Pay

BadBuddah

BadBuddahHunter Region, NSW

Pretty Snappy

published

Is this like payday loan?, approved in 5min I thought i had bad credit maybe not . Can someone ansswer is it $40 a month even if you use the $1000 how long do we have to pay it back 1year 2 years???? thanks. Also can we adjust it to like $20 a month on $1000 that be good

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Jane

JaneEyre Peninsula, SA

  • 3 reviews
  • 7 likes

Useless

published

My husband joined zip pay and purchased one item and then was unable to use account again with reason given “invalid email”! Yet he used it the first time and zip pay email him when his payment is due on same email! Have made over 10 calls to try and sort problem and keep getting told it’s a “technical problem”! which will be sorted soon and will phone back. Never phone back. He cannot check his account at all, even to see if his payments are being deducted or if he wants to make an extra payment. It’s ridiculous.

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1 comment
Zip Pay
ZipZip Pay

Nick Q.

Nick Q.Australian Capital Territory

Appalling, use Afterpay instead

published

I tried to sign up to an account and needed to provide my bank details. Despite having a very strong credit rating I was rejected. I was a fool to think this company was as good as Afterpay, but it isn't even worth mentioning.

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1 comment
Zip Pay
ZipZip Pay

Dillon

DillonSouth East Queensland, QLD

  • 3 reviews
  • 5 likes

Impossible to sign up

published

I signed up years ago, used zippay to pay for 2 items and everything was fine until 1 day it stopped and said I needed to contact customer support.

After them not allowing me to use the account, I asked for it to be closed and now months later wanting to purchase an item, my details have been blocked?, Not allowing me to sign up.

Horrible service,
Just wish afterpay had a service for items over 1k

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1 comment
Zip Pay
ZipZip Pay

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Questions & Answers

Hisham Y.

Hisham Y.asked

Can i make a down payment first on an online purchase and the remaining balance on interest free i have a zip money account

2 answers
Zip Pay
ZipZip Pay

Hi Hisham,

If you are wishing to make a purchase with a total that is greater than your available funds in your Zip Account, you can still do so with ease!

Online: at checkout, you will be directed to add a credit or debit card to pay the excess amount, if your order exceeds your available funds.

In-Store: the merchant will process the order as usual for the full amount on the order. After entering the SMS code provided by the merchant you will be directed to make a co-payment with your card to cover the excess amount.

Thanks, Emily.

Hisham Y.
Hisham Y.

My purchase is less than than the $ 1000 limit...i want to lessen the payment and finishing it earlier


HAD

HADasked

Can you pay a deposit cash and remainder on zip pay

4 answers
Melvyn
Melvyn

Yes you can just let store know before transaction

HAD
HAD

Thanks so much.!!

Zip Pay
ZipZip Pay

Hi Melvyn,

If you are wishing to make a purchase with a total that is greater than your available funds in your Zip Account, you can still do so with ease!

Online: at checkout, you will be directed to add a credit or debit card to pay the excess amount, if your order exceeds your available funds.

In-Store: the merchant will process the order as usual for the full amount on the order. After entering the SMS code provided by the merchant you will be directed to make a co-payment with your card to cover the excess amount.

Thanks, Emily.


Amanda H.

Amanda H.asked

I have made a purchase but it's saying pending how long will this take to process pls

2 answers
Melvyn
Melvyn

3 or 4 days to clear always better to purchase gift cards to buy goods ect

Zip Pay
ZipZip Pay

Hi Amanda,

Once a purchase has been made the order will clear instantly, Orders that are pending are waiting to be accepted by the merchant, alternatively, the order may stay pending until you receive the items. The Order will remain pending so Zip does not charge the customer for the order until the items are received.

Please contact our customer care team at hello@care.zip.co for further clarification.

Thanks, Emily.


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