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Zip Pay Now At Woodpecker

Don't let the Christmas rush leave a dint in your bank account, relax with Zip Pay At Woodpecker now! Interest free for 12 months!

Zip Pay Now At Woodpecker

Don’t let the Christmas rush leave a dint in your bank account, relax with Zip Pay At Woodpecker now!

Zip Pay Now At Woodpecker

What Is Zip Pay?

Own it now, pay later. Say ‘goodbye’ to wishing and waiting. Say ‘hello’ to owning and loving it.

Zip Pay creates simple, fair and transparent credit and payment solutions that improve lives every day. Allowing people to own the things they love now, and pay later, interest free.

Zip was founded in 2013 in Sydney with a mission to disrupt the unfriendly credit card market by providing consumers with a better, fairer, digital alternative.


  • Zip Pay has almost one million customers across Australia and New Zealand
  • More than $1 billion in transactions since we started
  • More than 10,000 retail partners (from as large as Bunnings, Target, Fantastic Furniture, to as small as Better Music, Yeti, Porte-à-Vie), who partnered with us and are offering Zip at checkout
  • Zip Co Limited (ASX: Z1P) is listed on the ASX, with all operations based in Sydney, Australia
  • They are independent, but are backed by 2 of Australia’s largest banks: Westpac and NAB.
  • There is an app which is ranking in the top 10 finance & shopping apps in Australia
  • They have won a ton of awards in the fintech space.


Zip Pay Now At Woodpecker


How Does Zip Pay Work?

1. Up to 60 days to pay with no fee

Zip Pay 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.

Here’s an example: If you make your first purchase on the 1st of March for $39, you will receive a statement on the 1st of April with the closing balance of $39 (unless you made more purchases in March) which you need to pay off until the 30th of April in order to not have to pay the account fee of $6.

Should you wish to carry your balance into May, you simply pay a small $6 monthly account fee. No balance – no fee!


2. The Limits

Zip Pay offers 3 different credit limits: $350 (previously $250), $500 and $1,000. Our algorithm will automatically decide which maximum limit you will be eligible for based on our minimum criteria evaluated during the application process.


3. Application Process

You can apply for an account here using your Facebook, PayPal or Email details, or during checkout at any of its partner stores. In the application process, Zip Pay looks at things like your credit score, income stability and if you can pay back the credit. They also check your identity (via Facebook or Paypal) to make sure you are who you say you are.

Subject to approval, sign-up takes only seconds, after which you can complete your purchase and pay for it later. Once approved for your Zip Pay account, there’s no need to apply again. You can continue to use your Zip Pay account anywhere that accepts Zip Pay, like storewide here at Woodpecker!


4. Registering Your Account

When approved, you will be able to activate your account immediately from the application form. This step details your contract and requires you to provide your payment details for your regular direct debit payments.


5. Making a purchase

You can now use your account at any Zip Pay affiliated retailer, like storewide here at Woodpecker! Your account can be used both in-store and online at any partnered business!


6. Repayments

Payments are taken automatically via direct debit – you don’t need to manually transfer money unless you would like to pay down your balance faster, and it doesn’t replace your scheduled payment run! You can set up your repayments to fall monthly, fortnightly or weekly at whatever amount suits (provided this is greater than the monthly minimum of $40). If you decide not to set up an individual schedule, Zip Pay will take repayments automatically at the end of the next month even.


7. Additional Payments

You can also make additional payments whenever you like via card or BPay.

You must be aware that your scheduled payment will still be processed even if you make an additional payment outside of schedule!


8. Failed Payments

If your payment fails, Zip Pay will send you a notification. Simply put some money into your nominated payment method and we will attempt to reprocess payments the following day.


9. Closing your account

There are no fees associated with keeping your account open when your balance is $0.00. However, if you do want to leave, simply let Zip Pay know so that they can close your account.


Zip Pay At Woodpecker

What Else Do You Need To Know?

Zip Account

First you apply for your zip account and make as many purchases as you want up to your limit. You can track your spending through paper statements mailed to you, and online at any time! You can also track your spending and repayments simply through the Zip Pay app!

Payment Flexibility

Everyone’s different. That’s why we let you tailor your payments to suit your lifestyle. Zip Pay allows you to worry about paying later with up to 12 months interest free!

Payments are easy to understand, every time you make a purchase we simply add it to your account. Then at the beginning of the month, we send you a summary (called a “statement”) of what you spent and what you paid in the month. You can then pay it back in full at the end of the month or pay over time from as little as $40 a month, interest free.

Interest Free

Every purchase you make with Zip is interest free. Online or in-store, every time, every day. You don’t have to worry about your repayment amounts gaining in interest, because there is none! So you can shop in peace year round.

Fees Explained

Fees that Zip Pay are not charging:

  • No annual fees
  • No paper statement fees
  • No payment processing fees
  • No account closure fees
  • No credit limit increase fees and
  • No other hidden fees!

Relax with the peace of mind that your spending is covered with Zip Pay, repay your purchases over time without the worry!


Want to know more about Zip Pay Now At Woodpecker? Come into either Woodpecker Mornington or Woodpecker Oakleigh and have a chat to our staff about how you can “Own it now, Pay later”.

Or visit Zip Pay’s website here