Help Centre

How do repayments work?

Zip Money Instalments

General

• Having trouble making monthly payments?
• Adding a payment method to your account
• How do I make an additional payment?
• How do I remove a card from my account?
• What happens if I miss a payment or don't pay back on time?
• Why can't I add my bank card to my Zip account?

BPAY

• BPAY Repayments

Bank Account Repayments

• Why can't I add my bank account?
• Can I add a bank account as a payment method on my account?

Card Repayments

• Why can't I add my debit card?
• How do I add a debit card to my account?
• Can I add a credit card to my account?

General

• Where can I shop with Zip?
• How can I use my available credit?
• What happens if I make more than one purchase in a month?
• Does Zip charge interest?
• How to unblock third-party cookies.
• Can I get a cash advance?

Instore

• How do I shop instore?
• What if my account limit does not cover the cost of the purchase instore?

Online

• How do I shop online with Zip?
• What if my account limit does not cover the cost of the purchase online?

Can't make purchase

• Tap to Pay/ Single-use card blocked merchants
• Why can't I make a purchase?
• Why is my account locked for use at other retailers?

Order Refunds

• How do I get a refund or cancel a purchase?
• What do I do if my order has not been received or is not as described?
• How do I dispute an order?

Tap to Pay

Zip Rewards

Single Use Card - Shop Everywhere

Zip Bills

Gift Cards

Using Zip on eBay

Product Protection

Subscriptions

Accessing My Account

• Accessing my account via a new device/browser but my mobile number has changed
• How do I reset my password?
• Why is my account on hold?

Update Details

• How do I update my personal details?

Our Fees

Your Statements

• Where can I locate my Zip statement
• Understanding your monthly Zip Statement
• What is my payout figure for my Zip account?

Account Security

• Security Centre - Learn more about protecting yourself online
• How to Report

Credit Limits

• How do I decrease my account credit limit?
• How do I increase my Zip Money credit limit?
• Can I increase my Zip Pay credit limit?

Natural Disaster Financial Hardship

• Natural Disaster - Financial Hardship Application

Family Violence

• What is Family Violence?
• Zip’s approach to Family Violence
• Support Services

Closing my account

• How do I close my account?
• How do I deactivate my account?

My Notifications

• How do I manage my notifications?

General information - Applications

• How do I apply for Zip?
• How do I activate my Zip account?
• Can two people have a joint application for a Zip account?
• How is my personal data kept secure if I connect to my online banking?

Zip Money Applications

• Access to your Online Banking (For Zip Money)
• Why do you need my bank statements?
• Why have I been charged when signing up and adding a new card?
• What if my Zip Money was approved for less than I applied for?
• Can I reapply if my application was unsuccessful?

Zip Pay Applications

• Why do I need to link my PayPal, or bank account?
• Applying for a Zip Pay account - ID Verification
• Access to your Online Banking (For Zip Pay)
• Why have I been charged when signing up and adding a new card?
• Can I reapply if my application was unsuccessful?

Credit checks

• Can I apply for a Zip account if I have a bad credit history?
• Will you run a credit check as part of my application?

Credit Limit

• Why didn't I get a higher credit limit?

Application difficulty

• It says I have previously signed up with a different method?

Unsuccessful Applications

• Why was my application declined/unsuccessful?
• Deleting Details
• Why has my application been cancelled/reviewed?

Unauthorised Application

• Identity Fraud and Unauthorised Applications

Web Integration

• How do I integrate Zip to my online checkout?
• Where do I locate my online API keys?
• My e-commerce platform is not supported, can I still offer Zip online?

In-store Integration

• How do I integrate Zip into my in-store POS system?
• Where do I locate my in-store API keys?
• My POS system is not supported, can I still offer Zip in-store?

Troubleshooting

• Bigcommerce checkout not redirecting to Zip
• I can't install the Zip app to my Shopify store

General Zip Info

Your Data and Privacy

• Privacy at Zip

Contact

• How do I contact Zip Support? | Zip Australia
• Compliments & Complaints
• How to use Zigi - Chat bot

My Customers

• What is the customer eligibility criteria?
• Important update to your customer’s Zip Money standard variable interest rate
• What are the different Zip accounts for my customers?
• What are the fees to our customers?
• How do my customers apply?
• How does it work for customers?

Marketing

• How do I set up my store tile?
• How can customers find me?
• How do I order instore POS material?

Campaigns

• How do I join a campaign?
• Campaign eligibility requirements
• I have submitted an offer for a campaign, but I want to change it.
• Can I submit one offer for multiple brands?
• Can I submit more than one offer for the same campaign?
• How can I promote the sale event to my customers?

Orders

• What does the 'Customer Status' mean?
• How can I change the interest-free period on a customer's order?
• How do interest-free periods work?
• How does Tap to Pay work as a business?
• How do I place orders above $5,000.00?
• How do I create a remote order?

Dashboard

• Dashboard Updates
• The Zip Merchant Dashboard
• Why can't I log into the dashboard?
• How do I add users?
• How do I access my integration details?
• How do I get notified about my orders and customers?

Dashboard navigation

• Completing an Authorised Order
• Customer Search Navigation
• Order Search Navigation
• Placing a Remote Order
• Placing an Instore Order
• Refunding an Order

Application

• Why should I offer Zip?
• How do I know if my business is eligible?
• How do I sign up as a merchant?
• What do I need to have ready before I apply?
• What costs are involved for offering Zip?
• Why do I have to accept the 'Direct Debit Request'?

Updating Business Details

• What is the process for a change of ownership?
• How do I update my merchant settlement bank details?
• How do I add another branch to my business?

Disbursements

• When will I receive payment?
• How do refunds affect disbursements?
• How do I create custom reports?
• What is a security pool?
• When can I get my security pool funds back?

General Account Information

• What is happening to Zip Biz?
• What happens to my current Zip Biz account?
• What is Zip Biz?
• How do I access my Zip Biz account on the web?
• What are the fees and charges for Zip Biz?
• How do I increase my Zip Biz credit limit?

Repayments

• How do Zip Biz repayments work?
• What is Part Pay, and how do I enable it?
• When is my Zip Biz payment usually due?
• Can you explain the term "up to 60 days with no fees" in more detail?
• What happens if I miss a payment or do not pay back on time?
• Can I use a credit card to repay my owing Zip Biz balance?

Statements and Invoices

• Your Zip Biz statement explained

What is Zip Business Capital?

• What is Zip Business Capital?
• How is Zip Business Capital different from other lenders?
• What business loan product is available from Zip Business Capital?
• What is a line of credit?
• How much can I borrow?
• How can I use a line of credit from Zip Business Capital in my business?

Getting started with Zip Business Capital

• Who can apply for Zip Business Capital?
• How do I apply for a Zip Business Capital line of credit?
• Do you take my credit score into consideration?
• Will you check whether I have previously defaulted on a loan?
• What do I need to apply?
• What does it cost to apply for a Zip Business Capital loan?

Managing your Zip Business Capital account

• How do I access my Zip Business Capital account?
• Once approved for Zip Business Capital how long before I have the funds?
• How often can I draw funds down from my Zip Business Capital credit line?
• Where can my Zip Business Capital loan be deposited?
• Where can I get a statement or see transaction history for my account?
• If I’m approved for Zip Business Capital but don’t draw down on the available credit, are there any costs?

Repaying your Zip Business Capital account

• How do Zip Business Capital repayments work?
• How are my repayments calculated?
• What happens if I miss a repayment?
• If I repay a loan early will I be penalised or charged extra?
• Will I have different payment days if I have more than one loan?

Loan Calculations

• How do I calculate my total cost of credit?
• How do I calculate the Annual Percentage Rate?
• How do I calculate the Total Interest Percentage Rate (TIP)?

Your Privacy

• How does Zip Business Capital use my data?
• Is my personal and business information safe with Zip Business Capital?

About your Zip Business Trade Plus account

• Zip Business Trade and Trade Plus has been discontinued
• How do I access my Zip Business Trade Plus account on the web?
• What are the fees and charges for Zip Business Trade Plus?
• How is my personal data kept secure if I connect to my online banking?
• Do you store my bank login information on your servers?
• How do I increase my Zip Business Trade Plus credit limit?

Repaying your Zip Business Trade Plus account

• How do Zip Business Trade Plus repayments work?
• When is my Zip Business Trade Plus payment usually due?
• What happens if I miss a payment or do not pay back on time?

Statements and Invoicing for Zip Business Trade Plus

• Your Zip Business Trade Plus statement explained

About your Zip Business Trade Account

• Zip Business Trade and Trade Plus is being discontinued.
• How do I access my Zip Business Trade account on the web?
• What are the fees and charges for Zip Business Trade?
• How do I close my Zip Business Trade account?

Repaying your Zip Business Trade Account

• Can I use a credit card to repay my owing Zip Business Trade balance?
• What happens if I miss a payment or do not pay back on time?
• Can you explain the term "up to 60 days with no fees" in more detail?
• When is my Zip Business Trade payment usually due?
• How do Zip Business Trade repayments work?

Statements and Invoicing for Zip Business Trade

• Your Zip Business Trade statement explained