4,459 reviews
AI reviews summary
The overall sentiment for Zip Pay is highly positive, with users frequently describing it as a "lifesaver" for managing unexpected expenses and bills. While the majority of feedback praises the platform's flexibility and the empathy of the customer service team, a segment of users has raised serious concerns regarding transparency, fee structures, and the handling of fraudulent transactions.
Pros
Cons
Verdict
Zip Pay is a highly effective tool for consumers seeking a flexible alternative to traditional credit cards, especially for managing cash flow and emergency costs. However, potential users should carefully review the fee structure and interest terms—particularly for the Zip Money and Zip Plus products—to avoid unexpected charges.
Zip pay has helped me with my enquiry and helped me find phone number so I can make contact ith the merchant I have done this and waiting for reply thankyou so much for this
The person that helped me was very good and very well mannered took the time to listen I thank him for helping me I find zip people very good and easy to talk to Regard June N Edwards Show reply
A double payment came out of my savings account l asked for a refund of one of the payments. I was really pleased how quickly they attended to my needs but they take the money out of your account instantly but l have to wait 5 business days for my refund. I am a pensioner and l need to pay my bills. I had to borrow the money from someone so l could pay my bills
Reviews with attachments
They have been good through the whole process and given great customer service. Show reply
Zippay is awesome for you and your business give it try it makes my life easier hopefully it will you and your business too Show reply
I am currently dealing with an unauthorised transaction of $594.97 on my Zip Plus account that I did not make or approve. The transaction is listed as “Amazon AU”, however Amazon has confirmed that the Order ID provided does not match their system and does not exist. This raises serious concerns about the legitimacy of the charge. Despite… Read more
reporting this to Zip immediately and taking all recommended security steps (changing passwords, enabling two-factor authentication, locking my card), I am still waiting for a clear resolution.
To date: • The transaction has not been refunded • There is no confirmed timeframe for resolution • Communication has been limited to “we are looking into it”
In the meantime, I am expected to continue making repayments on a balance that includes a fraudulent charge. This has had an immediate impact on my finances and budgeting.
This situation is not just inconvenient — it leaves customers feeling financially exposed and unsupported when something goes wrong.
I have now escalated this matter to the Australian Financial Complaints Authority (AFCA).
I would strongly recommend that Zip improve its response time, communication, and customer protection processes in cases of suspected fraud.
Hi Lisa, We’re really sorry to hear about your… Read more
I have used zip for years and now there getting too greedy there now charging interest on top of the accounting fees. That's ridiculous. My credit card doesn't even do that . I'm now in the process of paying it off and closing my account. Zip I hope you read this you need to stop the accounting fees. Keep the interest. Which is acceptable if not you will lose alot of customer's Show details
Hi there, my name is Jenny. We recognise fees may not be… Read more
Why would you use zip pay when you can use other alternatives? Use after pay if you don’t like credit cards as they don’t charge you a monthly account fee. Use credit cards as they give you points and their seemingly high interest rate works out MUCH cheaper than the monthly fee. Don’t be fooled and tricked by the conning marketing and… Read more
communication strategy - fees is a way bigger monster than interest rate when your purchase amounts are on the lower end. Do yourself a favour to work out whether what you are paying is really worthwhile. Look at the attached monthly summary - it will never encourage you to pay the full balance yet it will never tell you that you will pay a fee for what they structure your payments to be. I made a $150 purchase and ended up paying $10 monthly account fee for 3 months as the monthly email summary tricked me to. If I uses a credit card, the $30 will last me a whole year for not paying back in full. How clever is that for Zip pay and how tragic for the customer?
Hi Kristy, my name is Jenny. We recognise fees may not… Read more (+9 replies)
Latest follow-ups
Zip Pay is a wonderful way to get yourself something you really need but are low on funds. There is a direct debit which comes out monthly, but if… Read more · 1
you wish to pay more you are not penilised. And the beauty of that is that it is there to use again when required. Do the right thing by Zip Pay and it also helps your credit rating.
Follow-up · Thank Goodness for Zip Pay. I had over shopped at Costco and the que was getting long behind me. To my horror I had insufficient funds, I had tried all 3 of my cards only to find the same result, insufficient funds, and then I remembered Zip Pay. Paid for all my items and left happy.
Follow-up · Still love having my Zip Pay , It is interest free but there are monthly fees approx $10.95. But if you use your zip in a month and pay it off before the end of the following month, there are NO FEES. On $1000 the minimum fee is $40 per month. The… Read more
The best bugga the rest!! – I can have all the ways to pay but zippay is the best out there.i would not go with anyone else oh and you can actually speak to a human!! Thankyou zippay Show reply
Follow-up · Nothing has changed except they are an awesome company and no dramas and you can speak to a human
Very helpful answered my question a very good company love it Show reply
Follow-up · Why cant I make the repayment on the day its due and I was told because if you make the payment when due its classed as an extra payment so my question was answered
Positive reviews
I had the need to use Zippay for a while and found it to be handy during financial crisis with no fees if I paid what I owed in a reasonable time Great customer service and support highly recommended Show reply
Find out how Zip Pay compares to other Buy Now, Pay Later Services
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I think zippay is a brilliant system and so well run. They have always been very helpful when I have needed to contact them without having to wait too long I would highly recommend them to anyone. Show reply
I use Zip to pay my utilities and anything car related. Not only does it give me the chance to pay my bills by the due date, it also takes away the stress of where or how I’m going to pay the bill. It has helped in managing my finances and has flexibility to hold or change my repayment schedule (which to date I have not needed to do) thumbs up Zip! Show reply
Negative reviews
I cannot believe how unreliable Zip is. They blocked my card completely without any warning or notice at all. Yesterday I was at a service station and suddenly couldn't pay for my petrol while there were lots of people around. It was incredibly embarrassing and they put me in a terrible situation for no reason. They claim they tried to contact me… Read more
but I never received a single message, call or email from them. Absolutely terrible service, I do not recommend them at all.
Hi Darren, I am really sorry to hear about your… Read more
I was enjoying but suddenly what happen when I pay by biller code then I got $99 hidden cost. Don’t know why before it was pushing to pay bills but after found hidden charge.
Hi Rajesh, I am sorry to hear about your experience. We… Read more
Zip pay has been great, I had tried applying for the other zips but couldn’t get in. That’s my only down fall Few days later and zip pay kinda screwed me. Less happy now.
Hi Sarah, Thanks for your 5 star review :) We're so… Read more
Recent reviews
My account was locked which I did quite accidentally. I called ZIP and the response was courteous and polite. It was easy to solve as I didn't even know I could lock it myself. thanks very much Show reply
I needed to change my name and thought it would be a difficult process, I worked with a lady Nirwana, she made it a very easy process for me and once I’d submitted the correct documents my name was changed back to my maiden name! Nirwana was very helpful and kind. Thanks so much for your help Nirwana, you made the transition very easy for me!! Show 2 replies
I wouldnt say it has been a bed of Roses with Zip....they do try to make amends or to assist you in anyway they can when you need them to..At the end its about them trusting you vicw versa. Show reply
Amazing response time to an overpayment issue - online, email and phone contact and updates was nothing I'd experienced before. AfterPay can learn from this mob! Statements easy to access Show 2 replies
Find out how Zip Pay compares to other Buy Now, Pay Later Services
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I would recommend Zippay to anyone who needs a low cost credit card, provided that they are good money managers, for those small to medium sized bills or purchasing online. Zip Care, their customer service centre has, for me, been exemplary in helping when I was scammed by the paypal scammer at no extra cost to me. Show reply
While the service is good, I feel scammed by the cashback offers . After multiple purchases, none of the cashback offers were applied . I reached out to customer service and no progress in 2 months , just an email that they’re looking into it . Disappointed.
Hi Thomas, Thank you for reaching out, and I want to… Read more (+2 replies)
Once I finally got to talk to someone , my issue was sorted I think..time will tell. It did take numerous emails and phonecalls though over 2 months...when zip call back it's a mobile and my phone tells me it's scam so I don't pick up ..this issue needs to be sorted..
Hi Lynda, Thank you for your review. While we are… Read more
I have been with Zippay longer than I remember and have always used it in the way it was intended, as a pay in four service. I find it an excellent way to help with budgeting and it has helped me to have the things that I wanted. I recommend Zippay to any responsible person who knows how to control their money. Show reply
I needed a little extra time to make my monthly payment, so I reached out to Zip Pay to ask if my payment date could be changed. Their customer service was honestly fantastic. They were understanding, helpful and made the whole process so simple. There was no judgement, no complicated forms, no unnecessary questions — just a polite reply letting… Read more · 1
me know it had already been taken care of. It was such a relief to be treated with kindness and respect. Great customer service and really appreciated.
I recently increased my Zip Plus credit limit and have been left extremely disappointed by the experience. The communication around repayment obligations was confusing and inconsistent. I was initially advised that a one-off repayment would be required prior to 31 May and that the new repayment structure would commence from 1 June. However,… Read more
subsequent correspondence provided conflicting information regarding the same repayment requirement.
Despite having made repayments totalling $600 during May, I have had to repeatedly contact customer support to understand how those payments have been applied and why additional repayments were being requested. The explanations provided by different representatives have not aligned, leaving me uncertain about my actual obligations.
While the complaint team eventually responded, the overall process has been frustrating, time-consuming and lacking clear communication. Customers should not have to escalate concerns simply to obtain a straightforward explanation of how their repayments have been calculated.
Based on this experience, I have very little confidence in the consistency of Zip’s customer service and account communication.
Hi there, Thank you for taking the time to share your… Read more
I was not very happy with them I pay my payments all the time I pay extra when I can it’s been difficult atm due to lots of bills so I wanted an increase and was denied not happy at all I found this disappointing and not fair I can understand if I don’t pay my payments and they are chasing me but I have good credit was declined so I will be closing my accounts and going else where
Hi Louisa, Thanks for sharing your feedback with us. … Read more (+1 reply)
Zip’s customer care is amazing - I couldn’t be happier - they went above & beyond my expectations & covered all areas of concern - I highly recommend Zip Sincerely Pip Show reply
Follow-up · Zip offer amazing customer service - I can’t fault them .. wouldn’t trust any other!
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Hey there, Thank you for sharing your experience. I am… Read more