Zip Pay

What Is Zippay?

ZipPay is an Australian Based Amazing Buy Now Pay Later (BNPL) Payment Services That Allow Customers to purchase the product and pay for them in easy installments over a time period.

It provides a convenient and flexible alternative to traditional cards and personal loans. For Using A Zippay, Customers need to create an account and get approved for a credit limit.

Zippay was founded in 2013 & Currently, it offers two services which are Zippay and Zipmoney in which zip pay is a buy now pay later service while zip money is a line of credit that can be used for larger purchases.

Shop Now, Pay Later - Online ZipPay Store Australia

Shop Now, Pay Later (SNPL) services have gained significant popularity in Australia, providing customers with a flexible and convenient way to make purchases. Zip is one such promi nent SNPL service, offering customers the ability to buy products instantly and pay for them later in interest-free instalments. With its wide acceptance across various retailers and online stores, understanding the features, application process, and payment options.

HR Sports will explore the features of ZipPay online store, walk you through the application process, explain the payment options available, and provide answers to common queries. By the end of this guide, you will have a comprehensive understanding of how Zip works and how to make the most of this popular payment service in Australia.

Zip Pay

Features Of Zippay

Zip offers several features that make it a popular choice for customers seeking a Shop Now, Pay Later solution. Understanding these features will help you utilize Zip effectively. Some key features of Zip include:

Interest-Free Payments: Zip allows customers to split their purchases into flexible interest-free instalments, making it easier to manage their finances and budget effectively.

Wide Acceptance: Zip is widely accepted across a vast network of online and retail stores, providing customers with the convenience to shop at various merchants using a single payment service.

Digital Wallet: The Zip digital wallet allows customers to manage their Zip account, view transaction history, monitor payment schedules, and make additional repayments conveniently through the Zip mobile app or website.

Account Options: Zip offers two types of accounts: Zip Pay and Zip Money. Zip Pay is suitable for smaller purchases with a spending limit of up to $1,500, while Zip Money provides a higher spending limit and additional features for larger purchases.

Virtual Card: Zip provides a virtual card linked to your Zip account, allowing you to make online purchases seamlessly without the need for physical cards.

Comparison Features Of Zippay And Zipmoney

Zip Pay Zip Pay

Bundle purchases into weekly, fortnightly or monthly repayments

Tap to pay instore, everywhere Visa is accepted

Interest free period

Interest Free Always

3 Months to 5 Years

Credit Limit

350-$1000 (It Will Increase upto $2000 Based on Good Behaviour)

$1000-$5000 (Apply Through Zip Merchants for Upto $50,000)

Flexible Repayments

From Just $10 A Week (Repay $10 Weekly, $20 Fortnightly, Or $40 Monthly)

From $40/month or 3% of balance owing. Whichever is greater (Set a repayment schedule that suits you.)

Establishment fee


$0-$99 One off fee based on approved credit limit may apply.

Monthly account fee

$7.95 Waived if you pay your statement closing balance in full by the due date.

$7.95 Waived if nothing owing.

How To Apply For A ZipPay Account?

To start using Zip, customers need to go through a simple application process. Here's a step-by-step guide on how to apply for Zip:

  • Visit the Zip website or download the Zip app from your respective app store. The app is available for both iOS and Android devices.
  • Create a Zip account by providing the required personal information, including your name, email address, phone number, and residential address.
  • Verify your identity by following the provided instructions. This may involve additional verification steps, such as providing identification documents or undergoing a digital identity check. These measures are in place to ensure the security and integrity of the service.
  • Once your identity is verified, you will receive an instant decision regarding your Zip account application. If approved, you can immediately start using Zip for your purchases.
  • Log in to your Zip account using your credentials. This will grant you access to your digital wallet, where you can manage your account, view transactions, and monitor your payment schedules.
Zip Pay

Smart Tips When Using ZipPay

Paying for your purchases using Zip is a straightforward process. Here's a step-by-step guide to help you navigate the payment process:

Add the desired items to your shopping cart on the online store or retail website.

Proceed to the checkout page and select Zip as your preferred payment method.

If you haven't already, log in to your Zip account or create a new account if you haven't used Zip before.

Review the payment options provided by Zip. Depending on your account type and spending limit, you may have the choice to pay in full or select interest-free instalments.

Select the desired payment option. If you choose to pay in full, the total amount will be deducted from your linked payment method immediately. If you prefer interest-free instalments, you can choose the number of instalments that best suits your budget.

Confirm the purchase and complete the checkout process. Zip will process the payment or instalment plan, and you will receive a confirmation of the successful transaction.

Manage Payments and Repayments: Once your purchase is complete, you can manage your payments and repayments through your Zip digital wallet. You can view your payment schedule, make additional repayments to pay off your balance faster, and set up automatic payments to ensure timely repayments.

Track and Monitor Transactions: Zip provides a transaction history feature that allows you to track and monitor your purchases. You can view past transactions, check the remaining balance, and access receipts for your records.

Zip Pay

Reusable account

We give you one account with one monthly statement, no matter how many times you shop

Zip Pay


No interest, hidden fees or upfront payments

Zip Pay

Flexible payments

Choose repayments that suit your lifestyle – weekly, fortnightly, or monthly

Frequently Asked Question Related To ZipPay

Here are some commonly asked questions about Zip to help you better understand the service:

Zip is available to Australian residents who meet the eligibility criteria, including age and identity verification. Applicants must be at least 18 years old.

The spending limit is determined based on various factors, including the information provided during the application process and Zip's assessment of your creditworthiness.

While Zip Pay does not charge any ongoing fees, late fees may apply if payments are missed. Zip Money may involve fees and interest charges, depending on the specific terms and conditions of your account.

Yes, Zip is accepted at various participating physical stores. Simply provide your digital wallet details or virtual card information during the payment process.

Zip is primarily designed for use within Australia. However, there are select international online retailers that accept Zip as a payment method. Check the Zip website or app for the list of international partners.

Zip Pay payments are due in weekly or monthly instalments, depending on your preference. Zip Money payments may vary depending on the specific terms of your account.

Best Zippay Shop In Australia

Zip offers a flexible and convenient Shop Now, Pay Later solution in Australia, allowing customers to make purchases and repay them in interest-free instalments. By understanding the features of Zip, the application process, payment options, and frequently asked questions, you can confidently utilize this payment service. Remember to review the terms and conditions specific to Zip and the merchants you choose to shop with. For the most accurate and up-to-date information, refer to the official Zip website or contact their customer support.

Customers can conveniently use Zip to pay for their purchases at "HR-Sports." With Zip's Shop Now, Pay Later service, customers can explore the extensive range of furniture, appliances, fitness and sports equipment, and accessories offered by HR-Sports and easily split their payments into interest-free instalments. Whether they're looking for fitness gear, team sports equipment, or outdoor adventure essentials, customers can shop with ease knowing that Zip provides a flexible and convenient payment solution. By selecting Zip at checkout, customers can enjoy their purchases from HR-Sports while managing their payments comfortably and according to their own budget.