Below is a list of frequently asked questions that your customers may ask about Zip. This guide will help you to educate your customer on Zip and navigate them to the right place!

1. Apply for a Zip account in minutes at zip.co/apply

2. Choose Zip as your payment method at checkout.

3. That’s it! You can pay Zip back how you like – weekly, fortnightly or monthly!

Zip is an easy and flexible payment method which gives customers the freedom to buy now and pay later at thousands of Australia’s favourite stores and clinics.

Zip offers two reusable account types, Zip Pay and Zip Money.

Zip requires your name, address, date of birth, an AU mobile number and either a debit or credit card for sign up. For Zip Pay, a customer will need to link a Facebook, PayPal, LinkedIn or bank account.

In order to have an account with Zip, you must:

You can sign up during the checkout process or at zip.co/apply .

Zip Pay is an everyday account of up to $1000 (for new customers) and is perfect for frequent shoppers and everyday use. Every purchase with Zip Pay is interest free always .

Every Zip Pay application is subject to credit approval. A customer may be approved for a lower limit of $350 or $500.

Zip Money offers account limits up to $5000. It can be used for bigger purchases and customers will enjoy 3 months interest free on any Zip Money purchase with SHEIN.

Each Zip Money application is subject to credit approval.

Monthly Account Fee: a monthly fee from $6 is charged should there be an owing balance at the start of the month.

Late Fees: If the monthly minimum repayment of $40 is not paid within 21 days of the Due Date, a $5 late fee may be added to the customer’s Zip account.

Interest: Zip Pay purchases are interest free always.

Customers with a Zip Pay credit limit of $350 or $500 may be able to increase their credit limit to the maximum of $1,500. When eligible, Zip will advise the customer.

Customers with a Zip Money account may be eligible for a credit limit increase after 6 months of account activity.

As a responsible provider of credit, we consider a number of factors as part of our assessment process. This includes, but is not limited to:

If your Zip Pay application was unsuccessful, you may be eligible to reapply after 12 months, provided your financial circumstances have changed significantly.

If you'd like a refund on a Zip purchase, you'll need to contact the retailer directly and follow their normal returns process.

If you return goods to a retailer and they agree to a refund, your Zip account will be credited with the agreed refund amount. The funds will then be put towards your owing balance or depending on the refund amount your account may be placed in credit.

Please note refunds can take up to 14 business days to process however the exact timeframe is dictated by the merchant. If the refund amount places your account into credit, please contact our customer experience team below to arrange a refund to your bank account. Alternatively, you can choose to leave your account in credit and use the funds for your next purchase.