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Zip Pay

Zip Pay

4.0 from 1,817 reviews · View Statistics

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

  • Transparency
    3.7 (563)
  • Customer Service
    3.7 (549)
  • Rates and Fees
    3.9 (544)
  • Application Process
    4.0 (559)
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Jimmy Kingsley
Jimmy KingsleyCentral, SA
  • 9 reviews
  • 1 like

ZipPay is great

published

I have had a ZipPay account for a a year now and it's great, I only have a small spending limit but it's all I need
I couldn't folt them

Customer Service
Rates and Fees
Nate
Nate
  • 2 reviews

Excellent

published

It is easy to use, able to buy stuffs that you want/need easily in other apps.
You buy a lot of stuffs without having to save for it for a long time or to use your personal savings.

It can be addictive though but you have the control of it.

Transparency
Customer Service
Amy C.
Amy C.South East Queensland, QLD

Blames you for other people's debt

published

Watch out for this company. I've been paying on time and never missed a payment for them to put my account on hold and said I have a zip pay account that is outstanding when I don't have a zip pay account, only zip money simply because we have to same "name" .. stay far far away

Transparency
Customer Service
Buy Now, Pay Later Services

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Corey
CoreyPerth, WA

Refused to create account for stupid reasons

published

I tried setting up my account but they would not let me as my email as it was made by my father 10 years ago and contains his business name. Called customer service multiple times but they refused to help even after I explained that isn't actually a company email and there is no risk of losing it due to loss of employment/company shut down. They refused to think for themselves and instead clung to the policy even though it made no sense in this scenario.

Transparency
Customer Service

Excellent

published

Super easy and fast to use love this application for bill paying to everday purchasing app is quick with all its up dates and super fast 10/10 excellent app i must say

Transparency
Customer Service
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Your guide to the ins and out of Buy Now Pay Later services, including a look at the top companies Afterpay, Zip Pay, Openpay, and Latitude Pay.

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Great

published

I love zip pay. I’m aware of the repayments, the fee’s that come with having an acc and zip pay has saved me many times! Could live without it, but would rather not!

Transparency
Customer Service

Nasty company and bad experience

published

I started using zip because of its promotion last year. I was unaware of its account fee as the repayment was automatically set up. I am charged $30 accounts fee although I am fully able to repay it. I never know until I clicked into my repayment history.

Terrible experience of not clearly indicating such thing.

Transparency
Customer Service
1 comment
Zip Pay
ZipZip Pay

Lovely!

published

Love using it. There is no interest. They give you time to pay off. I will get my friends and family on board to start using zip. Fantastic and lovely.

Transparency
Customer Service

So easy to use

published

I rely on zip more than i should but it so easy to use and i just seem to use
It alllll the time to order my food, buy gift cards or do other shopping

Transparency
Customer Service
Buy Now, Pay Later Services

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Tanya
TanyaQueensland
  • 3 reviews

I wouldn’t want to be without it now

published

User friendly and so technically advanced my physical purse is forever put away .. it gives the power back to the consumer without excessive fees and big bank rules, I highly recommend using it

Transparency
Rates and Fees
cecelian717
cecelian717South East Queensland, QLD

Awesome

published

So awesome
I did not realize how many great deals you offer.
It's a real life saver when you need to pay bills .
And do your grocery shopping , I love it.

Transparency
Customer Service
Similar opinion? Write a review on ProductReview.com.au!

The reviewer stated that an incentive was offered for this review

Jayden
Jayden Gippsland, VIC

This is great

published

Very handy if your working on something and have no money and need it then and there, just pull up zip pay tap and go and your on your way with the products you need

Transparency
Customer Service
Similar opinion? Write a review on ProductReview.com.au!

The reviewer stated that an incentive was offered for this review

This is get

published

This is wonderful I am very please with this and I would recommend this to all my family and friends and it is very easy to use and set up

Transparency
Customer Service
Similar opinion? Write a review on ProductReview.com.au!

The reviewer stated that an incentive was offered for this review

This product helped me in a time of need

published

Helped me at a time of need to feed children, fix car and pay bills when no other service available. They really made a hard time easier for me and the kids

Transparency
Customer Service
Isabella W.
Isabella W.Western District, VIC

love this app helps me with the little thing ❤️

published

wonderfull app helps give you a boot on thing you want now! love it for the fact it helps flex around you so that your not left in the dark with when your bills are due love it and would recommend

Transparency
Customer Service
Buy Now, Pay Later Services

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Page 1 of 122

Questions & Answers

Emilia
Emilia asked

Hi,
What happens if make an overpayment through bpay and accidentally pay more than I owe. Will my account be in credit?

No answers
Ronald John Moore
Ronald John Mooreasked

Find my Woolworths gift cards please send all cards active

No answers
maryameddine
maryameddineasked

Hi, so I was just wondering if it is possible to start off with a Zip Money account for the first three months interest-free in order to pay for a large cost (a $2,000 laptop); since Zip Pay’s limit is $1,000 — pay off all repayments associated with said Zip Money account, and then close that account so that I may switch over to Zip Pay instead? Since that $2,000 payment is the only large payment that will be needed to be made for the year.

No answers
See all Zip Pay questions

Get an answer from our members and Zip Pay representatives

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