Zip Pay and Zip Money are easy and flexible buy now, pay later payment models allowing customers to shop online or in store and receive their goods before payment is completed.

Zip works like an account. For all purchases, you make during a month you receive a statement with your closing balance on the 1st day of the following month. You have until the end of the month to pay off your balance for the account to remain fee free.

Zip Pay and Zip Money are two separate accounts with a few key differences. Zip Pay can be used for purchases up to $1000, while Zip Money can be used for purchases up to $10,000. Zip Pay is always interest free while Zip Money is zero interest for 12 months. Zip Money also has a once off setup fee of $25.

Zip Pay is always interest free. After a period of 60 days there is a $6/month account fee where there is an outstanding balance. The minimum monthly repayment is $40 (or less if you have a lower balance). Zip Pay also charges a $5 late fee when you have not made a repayment in 21 days (not including the initial 60-day period).

Zip Money has a no interest period of 6 months on purchases over $1000. After the interest free period, an annual rate of 19.9% interest is charged on the outstanding balance. There is a one off $25 set up fee for Zip Money which is added to your balance and a $6/month account fee where there is an outstanding balance. Zip Pay also charges a $5 late fee when you have not made a repayment in 21 days (not including the initial fee-free period). The minimum monthly repayment is $40 or 3% of the total owing balance (whichever is greater).

You can apply for a Zip account through the Zip website link. You will be required to provide some personal information in order to be approved for Zip Pay or Zip Money. Zip Money has more steps to complete as the credit limit is significantly higher. This includes residential and employment status information on top of the information you need to provide for a Zip Pay account.

Important: As this is an application for a line of credit, Zip may perform a credit check as part of the sign up process. Please ensure that all personal information you provide is accurate and your own, false information will result in your application being unsuccessful. Once you submit the application, Zip will provide you with a decision as soon as possible.

Yes, simply log in to your Zip account when you reach the store checkout and select the Shop In-Store option from the menu. You will receive a 6-digit code to share with the cashier or a barcode for them to scan. Once the cashier completes your purchase, you will receive a confirmation email.

The majority of our 35,000 products including laptops, Apple products, mobile phones, office furniture and stationary are available to purchase through Zip Pay and Zip Money, however gift cards are not eligible for Zip payments.

For Zip Pay orders, there is a minimum purchase limit of $55 and a maximum purchase limit of $1000. For Zip Money orders, there is a minimum purchase limit of $1000 and a maximum purchase limit of $10,000 (subject to credit approval from Zip). Please note, this also includes the delivery fee as well as any items purchased.

We check our prices and update them each day to ensure you’re receiving the lowest price. You can use our Price Beat Guarantee with Zip however; this option is not available for online Zip orders. We are currently working on providing the Price Beat Guarantee to Zip orders online in the future.

Once your refund has been approved by Officeworks, the refunded amount will appear back into your Zip account. Please also refer to our Returns Policy.

Yes, you may return an order in store or by getting in touch via our Contact Us page.

Yes, Zip orders cover the cost for your entire online order, including shipping. The cost of the order must adhere to the Zip Pay and Zip Money guidelines. Zip Pay orders must be under $1000 including shipping, while Zip Money orders must be over $1000 including shipping.

Unfortunately, you can’t make changes to your Zip order after it is placed. You are however, able to make multiple orders within your Zip account limits.

Unfortunately, Zip orders cannot be cancelled. You may organise a return and refund for your order once it has been delivered. You can return your online Zip orders in store Please also refer to our Returns Policy for more details, or by getting in touch via our Contact Us page.