zipPay FAQ's

What is zipPay?

zipPay is a way to order any product(s) with a total order value between $80 and $1000 from RamCity without having to pay the whole amount up front. We ship your order out as normal and you pay it off in weekly, fortnightly, or monthly at a schedule that suits you.

Sounds great, now how does it work?

Simply add products to your shopping cart from the website, and when you get to the checkout page, fill in your details, then choose zipPay as your payment option. After you click 'Confirm and Process Order', you will be taken to the zipPay website to complete the transaction.

Do I pay more if I use zipPay?

Not if you pay the closing balance on time! You will receive your statement on the first day the month following your purchase (which is why you get "up to 60 days" fee free). After this date, a $6 monthly fee will be added to your outstanding balance. The only time you would pay a fee is if you miss a payment. Please see the zipPay - What is the monthly account keeping fee? page for further information.

When does my first payment get taken?

You decide when this happens. At a minimum you need to pay at least $40 per month on your outstanding zipPay balance before the due date. 

Are payments deducted automatically?

Yes. 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. The scheduled payment dates and amounts can be modified by logging in to your zipPay account at

To avoid late fees, simply ensure that you have sufficient funds available on the credit or debit card used to ensure the scheduled payment is made successfully.

Is there a minimum order value?

The minimum order value is $80AUD

Is there a maximum order value?

The maximum order value with which you can apply for zippay is $1000AUD. Note, this does not mean that zippay will approve you for the maximum limit when you apply, and is subject to their lending review process.

Can I use zipPay on multiple orders?

You can apply to use zipPay on multiple orders, so long as you don't exceed your account credit limit.

I got approved for Zippay, but I've only been approved for a $250 limit, why is that?

Zippay allocate limits to approved customers of $250, $500, or $1000 depending on a number of factors determined at the time of application. See zipPay - Help for more details.

Who can use zipPay?

Currently zipPay is only available to Australian citizens or permanent residents over 18 years of age. You'll also need to have a PayPal, Facebook or LinkedIn account in your own name, as well as your own valid and verifiable email address and mobile number.

I ordered something using zipPay but I need to return it for a refund, what do I do?

No problems! Just follow our usual return procedure.  If a refund is required, we instruct zipPay to do the refund and they take care of the rest.  Any refunds will go back to your zipPay account balance. If a refund puts your account into credit, you can contact the Zip Customer Care team at to arrange having the funds returned to you.

I want to pay my order off sooner, can I do this?

Yes! You can pay your order off early if you would like. Login directly on the Zip website to manage your payments.

Where else can I learn more about zipPay?

Please see the zipPay - Help page for the most up to date information.