Choose Zip at checkout and own the way you pay.

Nothing to pay today

We pay the store, you take the goods the same day.

Flexible repayments

Choose how you pay - weekly, fortnightly or monthly.

Accounts to suit you

Up to $1,000 interest free always or up to $3,000 with 3 months interest free.

Accepted here:

*A $6.00 monthly account fee applies. Pay your balance by the due date (the end of next month) and we'll waive the fee. See full Ts & Cs

*Zip Money: To approved applicants. The repayment advertised is to repay the purchase within the interest free period - inclusive of a $6.00 monthly account fee (not inclusive of any establishment fees which may be charged to new customers) Minimum monthly payments required. Any balance outstanding at the expiry of the interest free period will be charged interest at the standard annual percentage rate, currently 19.9%. Credit provided by zipMoney Payments Pty Limited (ABN 58 164 440 993, Australian Credit Licence Number 441878).See full Ts & Cs

Split your purchase into 4 installments

Pay for your purchase in four interest-free installments (due every two weeks). You’ll pay your first installment at the time of purchase, and the remainder over the following six weeks from the time of purchase.

Nothing extra to pay

Always zero interest, never additional fees when you pay on time. The only fees are for late payments. We'll email your payment schedule and send notifications so there are no surprises.This makes it simpler to plan your budget and ensure you have funds ready on time when your payment is due.

Instant approval decision and shipment

No long complicated and intrusive forms. You’ll know if you’re approved instantly and your order will ship as it would with any other form of payment, as quickly as you choose!

Buy now,
pay smarter.

What is Openpay?

Openpay is a flexible, interest-free payment method that gives you more time to pay for everything you need and want.

Purchase today, pay it your way – choose weekly or fortnightly payments, over as many months as suits you.

How Openpay works

1. Shop &  checkout
2. Select Openpay as your payment method
3. Register & design your plan

If you are 18 years or older and permanent resident of Australia, all you’ll need is:

A debit or credit card
An email address
A mobile number
A photo ID

Payment plan in the palm of your hand.

Download the Openpay app to manage your account, balance and budget.

The Things You Should Know

Is Openpay safe & secure?

Yes, protecting your information is very important to us. Openpay is a Level 1 PCI DSS Compliant Provider. This means that all sensitive information is encrypted and we maintain stringent physical, electronic and procedural safeguards to protect your information. View the Openpay privacy policy here.

Does Openpay perform a credit check?

Depending on the purchase you are making, you may be asked to perform a credit check. This is usually when you need to make a purchase that is above the amount Openpay has allocated you. In any instance, you will be asked to consent to the credit check before it happens.

Will I be charged interest?

Openpay does not charge any interest. Ever.

Are there fees?

Establishment fees and plan management fees may be applicable – these will be disclosed to you before your plan is finalised, as they vary from merchant to merchant. If a payment is not made by its scheduled date, a late fee of $9.50 will apply. These fees are also outlined in the email sent to you on confirmation of your purchase. We understand that there are times when you may not be able to make a payment. Please contact Openpay on 1300 168 359 before your payment date to reschedule the payment and avoid late fees.

Read the full terms and conditions here.

MasterCard

In 2019, MasterCard generated total revenue of $16.9 billion, with a payment volume of $6.5 trillion.12

MasterCard’s core products include consumer credit, consumer debit, prepaid cards, and a commercial product business. MasterCard has one reportable business segment known as Payment Solutions which is broken out by geographies across U.S. and other.

Like Visa, MasterCard earns the majority of its revenue from service and data processing fees. However, it characterizes the fees differently. Service fees for MasterCard are negotiated and calculated as a percentage of global dollar volume. Data processing fees are known as switching fees. Switching fees are a small, fixed cost per transaction, charged to the issuer.

MasterCard is known for offering three card levels: base, world, and world elite.

Get 15% welcome bonus up to $500

Trade forex and CFDs on stock indices, commodities, stocks, metals and energies with a licensed and regulated broker. For all clients who open their first real account, XM offers a 15% welcome bonus up to $500 to test the XM products and services without any initial deposit needed. Learn more about how you can trade over 1000 instruments on the XM MT4 and MT5 platforms from your PC and Mac, or from a variety of mobile devices.

What is PayPal and how does it work?

PayPal provides an easy and quick way to send and request money online. You can transfer money (abroad) to family, friends, online shops, and auction sites like eBay.

Online payments

All you need to send money to family or friends is the email address of the recipient. By registering your credit card or bank account with your PayPal account you can send payments using the option Send and Request Money. The money will be credited to the recipient's account and can then be transferred to a bank account, or used to make a payment.

If you shop online and see the PayPal logo on the merchant's website, it means you can pay using PayPal. Just select PayPal at the checkout. You will be asked to log in to your account and confirm the payment. Your financial information will never be visible to sellers or online shops.

To receive money online

Anyone can send money to you using your email address. Your email address is linked to your personal PayPal account. You will receive an email notification whenever you receive a payment and the payment will be shown on your account.

Online shops that offer PayPal as a payment option can post the PayPal logo on their website. There are various ways to offer PayPal as a payment option, like Pay Now and Shopping Cart.

If you receive a payment through PayPal, we'll send you a notification by email. The money will be credited to your PayPal balance. You can transfer the money to your bank account or use it to make a payment yourself.

Fees

Opening a PayPal account is free. Fees will be charged depending on the payment you make:

Personal payments: Payments to friends and family are free provided you use your PayPal balance or bank account to send these payments. If you use your credit card, the recipient will be charged the associated fees. However, you as sender can state that you will pay these fees.
Commercial payments: If you buy an item, the recipient (seller) will be charged the associated fees. Click on Fees at the bottom of any PayPal account for an overview of these fees.

What is POLi?

POLi is the online payment option that allows you to use your internet banking to securely pay for goods and services. Scroll down to try our demo or watch the video to learn more.

Watch the video to learn more

This video tells you all about how, where and why you should use POLi!

Try a POLi transaction now

Experience how quick and easy POLi is to use for yourself!

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