You deserve to buy now and pay later, interest-free.
ZipPay is a simple and secure payment option, that lets you shop now and pay later for your purchases. This allows you to shop online better, faster and smarter.
Create your account in moments
and select Zip at checkout
We pay the store.
You get the goods
Choose how you pay us back over time,
We give you one account with one monthly statement, no matter how many times you shop
No interest, hidden fees or upfront payments
Choose repayments that suit your lifestyle – weekly, fortnightly or monthly. minimum $40 a month
We own easy
We only charge a $6 monthly account fee when you have an outstanding account balance.
If you pay off your balance by the due date, we’ll waive the fee.
That’s it. Easy.
Frequently Asked Questions
What is Zip?
Zip is an easy and flexible payment method which gives you the freedom to buy now and pay later at thousands of Australia’s favourite stores and clinics.
How does it work?
Create your account online or at your local Australian Skin Clinic.
You will then be asked to confirm your purchase.
Your order will be processed immediately – Zip pays on your behalf! (Subject to approval- this process takes only seconds!)
You then you pay the amount back to Zip over time in easy weekly or monthly payments – interest-free of course!
Am I eligible for Zip?
To be eligible to apply for a Zip Pay account, you need to be aged 18 or over, and an Australian citizen or Permanent Resident.
You’ll also need to have a PayPal, Facebook or LinkedIn account in your own name, as well as your own valid and verifiable email address and mobile number.
Zip then apply their responsible lending criteria to each application and you’ll get a response within seconds!
As this is an application for credit, please ensure that all personal information you provide is accurate and your own. False information will result in your application being unsuccessful
What fees and interest apply?
Absolutely none – all Zip Pay purchases are 100% interest-free, always. Zip Pay lets you buy now and pay later, with flexible, interest-free repayment options.
There is a monthly account fee that only applies if you have an amount owing on your account. So if you’ve paid your balance off in full by the end of the month, Zip will waive it – no balance, no fee.
The fee is $6 and is applied on the 1st of each month.
Zip may charge a late fee if your payment is 21 days overdue and you haven’t contacted them to discuss the reason.
Zip Pay or Zip Money?
Zip Pay is an everyday account that is interest-free always and is perfect for frequent shoppers and everyday use.
Each month you’ll receive a statement & have until the end of next month to pay back with no fees. A minimum repayment of $40/mth (or balance if less) is required, but you can, of course, pay back your balance faster if you like.
Zip Money offers account limits from $1000 up and can be used for those big ticket items you have had your eye on but may want to pay overtime, on your terms.
Minimum repayments start at $40 per month, however, they may be higher depending on your account type and credit limit. You can also make lump sum payments whenever you like to pay back your balance faster and avoid interest.
Some Zip Money accounts require a one-off set up fee, which is determined by your credit limit. Zip Money accounts also incur interest from 19.9% p.a.
How do refunds work?
If you’d like to obtain a refund on a Zip purchase, you’ll need to contact Australian Skin Clinics directly and follow our normal refunds process.
Once a refund has been processed (subject to our refund policy), the refunded amount will appear in your Zip account straight away.
If a refund puts your account into credit, you can contact the Zip Customer Care team to arrange to have the funds returned to you. Alternatively, you can use these funds towards your next purchase.