Your first payment won’t be due until the end of next month. When you open your account, Zip will set up a monthly payment of $40 (or less if the amount you owe is under $40). This will come from your linked debit card on the last day of each month and run until your purchases are paid off.

There are no extra fees to use Zip when purchasing,, however there’s a $6 monthly account fee. this monthly fee is waived if your closing balance is paid by the due date. No balance no fee. If you don’t meet your minimum monthly repayment, a $5 late fee may apply. See www.zip.co/terms for more information.

To be eligible to apply for a Zip Pay account, you need to:
- Be an Australian citizen or permanent resident
- Be at least 18 years of age
- Have a valid Facebook or PayPal account, in your own name
- Have a valid debit card, in your own name
- Have not declared bankruptcy or insolvency

You can return any item you are unhappy with back to P.E Nation in accordance with our standard online Returns Policy. Refunds will be processed and communicated to you via ZipPay shortly after P.E Nation processes the returned item/s. The returned item/s will create an adjustment against ZipPay balance.