Do you accept Zip ?

Yes We Accept Zip Pay.

Yes, we accept Zip Pay for orders up to $1000. Just choose Zip at checkout and you’ll be redirected to log in or apply for a Zip account to complete your purchase.

Important things to know

• Zip will show during checkout for orders of $20 - $1000 (excludes any applicable delivery costs)
• You cannot use Zip to purchase Gift Cards.

How Dose it work?

Online

1. Add your items to cart
2. Select Zip as your payment method at checkout.
3. You’ll be redirected to log in to or create a Zip account.
4. That’s it! Your purchase will be split into the payment schedule you setup.

Mobile App

1. Download the Zip app
2. Tap the ‘In-store' tab at the bottom of the app,
3. Tap ‘Pay in-store’ to generate a 6 digit code to provide to store.
4. Confirm the payment on your mobile and that’s it!  Now you can take home your purchase.

Alternatively, if you have Zip Pay set up in your digital wallet you can use Tap & Pay in-store.

FAQ  More Information Zip Pay

▼What is Zip?

Zip is a buy now, pay later provider that allows you to get what you need now and pay for it overtime, weekly, fortnightly or monthly.
There are 3 ways to use Zip:

1. Zip Pay is always interest free. A monthly account fee of $9.95 applies. Pay your closing balance in full by the due date each month and we'll waive the fee.
2. Zip Plus Interest-free under $1,500, No interest will be charged to your account in a given month if the balance owing at the end of the last day of that calendar month is $1,500 or less. Standard interest rate is 12.95% p.a. T&Cs and credit approval criteria apply
3. *Zip Money Purchases are interest free for the first 3 months, any balance outstanding at the expiry of the interest free period will be charged at the standard variable rate, currently 25.9% per annum.*
   *Keep Track GPS dose not offer Zip Money

▼What is the diffrence between Zip Pay, Zip Plus and Zip Money?

The main differences between Zip Pay, Zip Plus, and Zip Money lie in their credit limits, fees, and applicable interest:

1. Zip Pay is designed for smaller purchases with a credit limit up to $1,000. It doesn’t charge interest, but a $9.95 monthly fee applies if there's an outstanding balance at the end of each month. Minimum repayments start at $10 per week, and there’s a late fee if repayments aren’t met
2. Zip Plus offers a higher credit range between $2,000 and $4,000. Like Zip Pay, it includes a $9.95 monthly fee when a balance remains, waived if paid off. If your balance exceeds $1,500 at month’s end, a low interest rate (12.95% p.a.) applies. Zip Plus also allows international purchases without added fees​.
3. Zip Moneys meant for larger purchases with credit limits starting at $1,000 and potentially going up to $50,000 through specific retailers. It offers an interest-free period for at least three months (often longer depending on the retailer), but once this ends, a standard interest rate applies. Zip Money also has a one-time establishment fee for certain credit limits, and repayments start at $10 per week, similar to Zip Pay, Standard variable rate, currently 25.9% per annum.*

Each service caters to different spending needs, making it possible to choose based on purchase size, required flexibility, and preferred repayment terms.

◄What ID do i need to get a Zip account?

To apply for a Zip account (Zip Pay, Zip Plus, or Zip Money) in Australia, you’ll need to meet specific eligibility and ID requirements:

 

1: Eligibility Requirements:

• You must be at least 18 years old.
• Be an Australian citizen or permanent resident.
• Have a valid email address and mobile number.
• Have a good credit history.
• Be employed or receive a regular income (at least $300 per week)

2: ID Requirements:

• A valid Australian driver’s license or passport for identity verification.
• Alternatively, if you’re applying for Zip Pay, you may use a verified PayPal or bank account as an alternative to providing ID

Zip may also conduct a credit check as part of the application to verify your credit history and ensure your ability to meet repayments​.

◄What are the fees and charges?

Zip's payment schedule varies based on the type of account (Zip Pay, Zip Plus, or Zip Money) and the repayment frequency you choose. Here's how it typically works:

Zip Pay

• Monthly Fee: $9.95 if there’s a remaining balance at the end of the month, waived if you pay in full.
• Late Fee: $5, applied 21 days after the due date if a payment is missed.
• Interest: No interest charges, making it interest-free

Zip Plus

• Monthly Fee: $9.95, waived if no balance is carried.
• Interest: No interest if balance is below $1,500 at the end of the month; otherwise, 12.95% p.a.applies on amounts above $1,500

Zip Money

• Monthly Fee: $9.95 when there’s an outstanding balance, waived if paid off.
• Establishment Fee: A one-time fee up to $99 for higher credit limits.
• Interest: A minimum three-month interest-free period applies; after that, the standard rate (23.9% p.a.) kicks in.
• Late Fee: $15 if payment is missed and remains unpaid for 21 days

These fees highlight the benefit of managing balances carefully, especially with Zip Money, to avoid interest and late fees. More details are available on Zip's official site and through the user agreement for each account type.

This system ensures that you can adjust your payments according to your needs while offering a way to avoid fees if you manage your balance strategically.

◄How dose the ZIP payment schedule work?

Zip's payment schedule varies based on the type of account (Zip Pay, Zip Plus, or Zip Money) and the repayment frequency you choose. Here's how it typically works:

Repayment Options

• Flexible Schedules: You can choose weekly, fortnightly, or monthly repayments, depending on what suits you best. This flexibility helps tailor payments to your cash flow.
• Minimum Repayments: Each product has a minimum repayment amount
• Zip Pay: Minimum repayment starts at $10 per week, increasing with higher balances
• Zip Plus: Minimum payments start at $20 per week for larger balances
• Zip Money: Repayments start at $40 per month, and the minimum can vary based on your credit limit, often requiring at least 3% of the outstanding balance

Due Dates and Fees

• Zip Pay: Payments are due at the end of each month, and a $9.95 monthly fee applies if you have an outstanding balance. If you miss a payment, a late fee of $5 may be charged
• Zip Money: Payments are due on the same day each month that your account was opened. There's also a $9.95 monthly fee if a balance remains unpaid, and a late fee of $15 if payments are missed
• Early Repayment: You can pay off your balance early without any penalties, which can help you avoid monthly fees or interest charges if using Zip Money

Interest-Free Period

• Zip Pay and Zip Plus: No interest is charged if the balance is under control​
• Zip Money: Offers an interest-free period (minimum of three months), with longer periods available through certain retailers. Once this period ends, interest is charged at a standard rate, so it's important to pay off the balance during the interest-free timeframe

Automatic Debits

• Payments are automatically debited from the payment method linked to your account (credit or debit card, or bank account). You can change the linked method anytime