??!

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

4.0

1,320 reviews
5
(808)
4
(186)
3
(43)
2
(32)
1
(251)
  • Transparency
    2.2 (125)
  • Customer Service
    2.1 (108)
  • Rates and Fees
    2.7 (105)
  • Application Process
    2.7 (111)
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Reviewer Photos & Videos

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Happy with the service

published

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

Transparency
Customer Service
Rates and Fees

The reviewer stated that an incentive was offered for this review

WHATCANISAY

WHATCANISAYPerth, WA

  • 23 reviews
  • 1 like

Zip a fast way to waste your time

published

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.

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2 comments
Zip Pay
ZipZip Pay
WHATCANISAY
WHATCANISAY

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.

Horrible Customer Service

published

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.

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1 comment
Zip Pay
ZipZip Pay
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Steven P.

Steven P.Wide Bay-Burnett, QLD

works well for me

published

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

published

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
Zip Pay
ZipZip Pay
Ashleigh B.
Ashleigh B.

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!

Melissa

MelissaPerth, WA

The Customer Service is great.

published

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 THORPE

JOSH THORPESunshine Coast

  • 4 reviews

Constant calls and messages and I don't even have an account.

published

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.

Customer Service
Application Process
1 comment
Zip Pay
ZipZip Pay
ValerieS

ValerieSMetropolitan Adelaide, SA

  • 2 reviews

Shoddy service

published

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.

Transparency
Customer Service
Application Process
2 comments
Zip Pay
ZipZip Pay
ValerieS
ValerieS

Zip have stricter criterion than Westpac or People's Choice. Funny, I know unemployed 18 year olds who use zip. Something is afoot.

Angus

AngusNorth Queensland, QLD

This is great very helpful in hard situations

published

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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Mel

MelPerth, WA

  • 2 reviews

Registration

published

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.

Amanda M.Greater Melbourne (Inner), VIC

Zip Pay - Brilliant

published

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.

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.

published

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.

Trevor J.Sydney, NSW

absolutely painless

published

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_and

M_andGreater Melbourne (Metropolitan), VIC

Good customer service

published

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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Angie

AngieSydney, NSW

  • 7 reviews

Highly Recommend it!

published

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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Chris Lazarou

Chris LazarouSydney, NSW

Not sure what's going on with ZIP

published
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1 comment
Zip Pay
ZipZip Pay
OldMate

OldMateGreater Melbourne (Outer), VIC

Absolutely horrible

published

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

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1 comment
Zip Pay
ZipZip Pay
James M.

James M.Hunter Region, NSW

$31 for less than a week

published

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

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1 comment
Zip Pay
ZipZip Pay

Waste of time!!!

published

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!

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1 comment
Zip Pay
ZipZip Pay
Raymond

RaymondSouth East Queensland, QLD

  • 31 reviews

Terrible

published
3 comments
Zip Pay
ZipZip Pay
Raymond
Raymond

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

Zip Pay
ZipZip Pay
Page 2 of 66
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Questions & Answers

Lillian galea

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
Zip Pay
ZipZip Pay

Hi Lillian,

Please contact our customer care team at [email protected] for further assistance.
Thanks, Emily.

Kirraah L

Kirraah Lasked

I put in biller code and it keeps saying invalid biller code when it is not? Help!

No answers
Sarah M.

Sarah M.asked

I tried to buy some things on amazon and i used zippay as payment. It keeps declining it?

1 answer
Zip Pay
ZipZip Pay

Hi Sarah,

Please contact our customer care team at [email protected] for further assistance.
Thanks, Emily.

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