If you'd like a refund on a purchase you made using Zip as your payment method, please contact the retailer you purchased from directly, and follow their normal returns process.
If you return goods to a retailer and they agree to provide a refund, your refund amount will be credited to the Zip account you used to make the purchase. Refunds on purchases can take up to 14 business days to process however the exact timeframe is dictated by the retailer you purchased with.
When the refund is applied to you Zip account it will help reduce any owing balance; or, if you have no owing balance at the time, the refund will place your Zip account in credit. If this occurs, you're welcome to leave the additional funds in the account as a credit to use for your next purchase, or you can contact us for a refund to your nominated bank account.
Please note: When a refund is applied to your account, the refund amount will not include any fees you may have been charged while paying off your purchase (e.g. monthly account fees or late fees).