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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
Reviewer Photos & Videos
Happy with the service
I was helped greatly by the phone call I made to get my date changed for the next payment to come out She was very helpful and friendly and though
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The reviewer stated that an incentive was offered for this review
WHATCANISAYPerth, WA
- 23 reviews
- 1 like
Zip a fast way to waste your time
I am already on After pay and Latitude they gave me a decent limit of $1000. Unfortunately Bunnings and Comfy Care furniture only accept Zip and they gave me a lousy $350 which can not be changed unless you use the credit then they will decide if the credit can go up. I wasted my time and effort applying for this for no point. Zip doesn't even have a phone number you can ring. AFterpay and Latitude are much better a shame the other shops don't accept them.
2 comments
Still no phone number I see and I have asked many people and they have stated the same thing started off on $350 the amount of information you want us to give you and the invasion of privacy is not worth the effort.
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Horrible Customer Service
After approving my account after 1 transaction.
They lock my profile telling me to pay it up in full before they can unlock it again. When I have no bad credit. Always in the good books. Im just a girl who wants a pays her bills in peace and they gave me the hope and rips it off.
Its just unfair that they approved of my account and let me pay and use it and then lock it.
Customer Service did not help at all.
1 comment
ZipZip Pay
Hi Abigail,
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.... Read more
If you would like me to personally look into your account to see what we can do to resolve this, please email me at [email protected] Thanks, Emily.Similar opinion? Write a review on ieatwords.com.au!
Find out how Zip Pay compares to other Buy Now, Pay Later Services
Know better, choose better.
Steven P.Wide Bay-Burnett, QLD
works well for me
After a hiccup I have found zip pay to be a helpful tool .Easy to pay bills on time interest free credit if used correctly.Love the ease of use and the app works well
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SO AWFUL
Will not send me a code to reset my password. Says my paypal is not linked when I try to sign in with that but then when I make a new account using my paypal, it tells me it is already affiliated with an account. Afterpay 1000x better.
2 comments
ZipZip Pay
Hi Ashleigh,
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.... Read more
If you would like me to personally look into your account to see what we can do to resolve this, please email me (Emily) at [email protected] Thanks, Emily.Please explain how attempting to get a reset code send to my email address on multiple devices and over a number of days and never receiving one is for safety!
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MelissaPerth, WA
The Customer Service is great.
I had a wrong email address on my account and Vivien and the team helped me and retrieved my gift cards for me very quickly. Thank you zippay. I greatly appreciate the prompt and friendly customer service I received. As the other email address is in America. I'm very lucky the mistake didn't effect me too much.
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JOSH THORPESunshine Coast
- 4 reviews
Constant calls and messages and I don't even have an account.
I receive constant calls and message from Zip, asking for someone called edward. I have told you a billion times to stop calling and messaging. Literally over 10 times now. I try to call your customer service to put a block on the contact, but you hang up on me after being on hold for over 2 minutes. If I get another call or SMS, ill be going to the ACCC.
1 comment
ZipZip Pay
Hi Josh,
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.... Read more
If you would like me to personally look into this issue to see what we can do to resolve this, please email myself (Emily) at [email protected] Thanks, Emily.Similar opinion? Write a review on ieatwords.com.au!
ValerieSMetropolitan Adelaide, SA
- 2 reviews
Shoddy service
I applied for a zip pay account and had issues logging in so called support. The saleswoman informed me that the application had been declined as it didn't meet zips standards. I was astounded. What standards? I have an impeccable credit rating, have used PayPal many times without incident, own my car, have a credit card that is always up to date and a Facebook account that has been authenticated with photo ID. She said the supervisor would call to explain this anomaly to me, but I am still waiting -
abysmal service.
2 comments
ZipZip Pay
Hi Valerie,
Thanks for taking the time to apply for a Zip account.... Read more
At Zip we value responsible lending, which means our lending criteria may be stricter or more comprehensive than other providers. When applications are assessed we take into consideration a number of different factors. Feel free to contact our customer care at [email protected] for more information on the factors that are assessed with applications. Thanks, Emily.Zip have stricter criterion than Westpac or People's Choice. Funny, I know unemployed 18 year olds who use zip. Something is afoot.
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AngusNorth Queensland, QLD
This is great very helpful in hard situations
Very helpful when it comes to birthdays and Christmas and other holidays of the year I would recommend this to anyone who is not able to pay things they really need in full
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Find out how Zip Pay compares to other Buy Now, Pay Later Services
Know better, choose better.
MelPerth, WA
- 2 reviews
Registration
Am disappointed at Zip money for not accepting bill pay for registrations and credit cards. Some families want to be ahead with bills so they don't need to worry for a couple of months. I will hurry up and pay zipmoney off and go elsewhere!!!
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Amanda M.Greater Melbourne (Inner), VIC
Zip Pay - Brilliant
At a time when I needed to make extra purchases for Christmas, I found Zip to be the perfect answer. It is very user friendly and so convenient. I would like to add that Zip Customer Service is super friendly and efficient. I would thoroughly recommend this product.
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Riaz K.Murray Mallee, SA
Very Helpful for people who wants to buy something but short on money and the great thing about zippay pay only $40 min.
Very good money lender and Do not to pay all the money at one time. minimum pay is $40 every month and no interest. It make since to join Zippay
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The reviewer stated that an incentive was offered for this review
Trevor J.Sydney, NSW
absolutely painless
I have been using these guys for over 2 years now, started on small purchases hand tools Dremel drills and only had to pay back $60 a month I up-ed that to 50 a week just a great way to get items without having to wait too long and apart from a small monthly service fee no interest and that's ever! not even if you miss a payment. I now pay my power bill phone bill car insurance all those things that you need to pay monthly and as I pay a bit every week to Zip they cover the total sum of all the bills so it's painless I don't have to worry too much about it. without a doubt one of the best products on the market thanks guys your the best
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M_andGreater Melbourne (Metropolitan), VIC
Good customer service
They have an easy application process and my experience with their customer support team was good. I bought three gift cards but I only received two of them. Vivien from customer support team resolved the issue quickly. thanks Vivien
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AngieSydney, NSW
- 7 reviews
Highly Recommend it!
I've use other lines of credit. This is the most convenient for larger purchases. I had connection issues with the APP. However managed to get it working. It takes a few goes. I created my own login. No Facebook or Paypal. Good for people*** that can manage a budget.
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Find out how Zip Pay compares to other Buy Now, Pay Later Services
Know better, choose better.
Chris LazarouSydney, NSW
Not sure what's going on with ZIP
I signed up for a Zip Pay account about a month ago. I was able to access my account via the APP no worries at all in the first week. However, in the last week, every time I click on the APP or try to login on the website, it immediately takes me back to the sign in screen.I try to login but it keeps shooting me back to same login screen time and time again. I have sent an email requesting for someone to look into it about 9 days ago, still nothing. Sent another reminder today and still no one has come back to me. I am currently on hold and hav...Read more
e been for 20 mins with no idea where I am in the queue. I have had the same message saying I can press 5 to receive a call back but am reluctant to hang up as no one has responded to my emails. is everyone else having these issues? Just want this resolved so I can use it. So I have just pressed 5 as can't wait any longer but they have no record of who I am or or what number to call me on. How are they going to contact me??? Extremely frustrated. Chris1 comment
ZipZip Pay
Hi Chris,
Thank you for posting a review and we’re sorry to hear that your experience was not of the quality you expected. I would like the opportunity to investigate your feedback further. ... Read more
Please could you contact myself (Vivien) at [email protected] We will work with you to resolve any issues as quickly as possible. Thanks, Vivien.Similar opinion? Write a review on ieatwords.com.au!
OldMateGreater Melbourne (Outer), VIC
Absolutely horrible
Zips useless if you’re new to technology,
I Got all excited while going through the process only to find out that i needed a Active-Social Media Account and to have already made Purchases/Transactions with Online Banking
1 comment
ZipZip Pay
Hi,
We use social verification such as connecting to a Facebook, PayPal or LinkedIn account.... Read more
This allows us to confirm that the details you provided are correct, verify that you're a real person and confirm that you are 18 years or older. However we do understand not everybody has these social media platforms, so we also provide an option to complete this step by connecting via a bank verification. This is a secure step and uses the same encryption that Australian banks employ. If you would like further assistance Please contact our customer care team at [email protected] Thanks, Vivien.Similar opinion? Write a review on ieatwords.com.au!
James M.Hunter Region, NSW
$31 for less than a week
I signed up thinking I would use it. Then in the end I didn't need it. Closed it within a week. They claimed if you don't use it you don't pay. They charged me $31 for a week. Good product. Bad service
1 comment
ZipZip Pay
Hi James,
Sorry that you didn't have the experience you were hoping for using Zip! ... Read more
We do try to be very transparent with our fees, they are shown throughout the contract and we do display them on our help center https://help.zip.co/en/articles/29 Keep in mind that Zip Money establishment fees may apply which is required to be paid out before your account can be closed. If you would like any assistance with this, please contact us at [email protected] Thanks, Vivien.Similar opinion? Write a review on ieatwords.com.au!
Waste of time!!!
Applied for zip pay already have afterpay and latitude, no hassles there, but zip pay no way that’s what!
Absolute rubbish, too much drama, and excuses!
Afterpay all the way yeah!
1 comment
ZipZip Pay
Hi,
Your review is concerning to us. ... Read more
We would appreciate it if you would contact our customer care team by emailing [email protected] and requesting to speak with myself (Vivien). We apologise that our service did not satisfy your expectations. We set a high standard for ourselves and are truly sorry to hear that standard was not met in your interaction with Zip. Thanks, Vivien.Similar opinion? Write a review on ieatwords.com.au!
RaymondSouth East Queensland, QLD
- 31 reviews
Terrible
Unbelievable
I went through the sign up process, all the hoops.
Did the bank id stuff, put in a debit card for the same bank,
And then,
We need to identify you more.
Connect to facebook or paypal account.
Zip are you nuts.
Not everyone has a faceache or,paypal account, nor want them.
If bank id is not good enough for you, zip is not good enough for me.
...Read more
3 comments
ZipZip Pay
Hi Raymond,
We use social verification such as connecting to a Facebook, PayPal or LinkedIn account.... Read more
This allows us to confirm that the details you provided are correct, verify that you're a real person and confirm that you are 18 years or older. However we do understand not everybody has these social media platforms, so we also provide an option to complete this step by connecting via a bank verification. This is a secure step and uses the same encryption that Australian banks employ. Thanks, Vivien.If you read what i wrote i said i already did the bank verification, but was not goid enough. Faceache came as additional verification on top of the bank which is what makes zip so stupid
ZipZip Pay
Hi Raymond,
I'm sorry to hear about your experience and whilst I understand your frustration we have the mandatory social verification step in place to ensure all applications are legitimate and valid.... Read more
If you would like me to personally look into your account, please email me at [email protected] Thanks, Vivien.Similar opinion? Write a review on ieatwords.com.au!
Questions & Answers
Lillian galeaasked
Hi I am trying to get into my zip account to pay my monthly bill but it seems not to go through there seems to be an error I am worried if I don’t pay it they will charge me for it when it’s not my fault thanks
1 answer
ZipZip Pay
Hi Lillian,
Please contact our customer care team at [email protected] for further assistance.
Thanks, Emily.
Kirraah Lasked
I put in biller code and it keeps saying invalid biller code when it is not? Help!
No answers
Sarah M.asked
I tried to buy some things on amazon and i used zippay as payment. It keeps declining it?
1 answer
ZipZip Pay
Hi Sarah,
Please contact our customer care team at [email protected] for further assistance.
Thanks, Emily.
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ZipZip Pay
Hi,
Apologies that you are having issues with Your approved credit limit, however this looks to be an issue that is specific to your account. As we cannot discuss individual accounts on this forum, ... Read more
could you please contact our customer service at [email protected]