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zipPay - Buy Now, Pay Later
Incu have teamed up with zipPay so you can shop at incu.com and pay later.
zipPay is a safe, simple and convenient payment option, powered by zipMoney, allowing you to shop online and pay in flexible weekly, fortnightly or monthly instalments.
Things to Know
- Shop without a credit card
- Easy, flexible monthly instalments
- No interest ever
- A shopping account up to $1000
How Does it Work?
Select zipPay at checkout then sign up or log in and confirm your purchase. zipPay pays immediately on your behalf, meaning your order will be processed straight away. Pay off your balance over time in flexible instalments that suit your lifestyle.
Am I Eligible for This?
You must be 18 years or older and an Australian citizen or permanent resident.
How Do I Manage Payment Instalments?
At the end of each billing cycle, you can choose to pay off your balance in full or make a partial payment that suits your budget. Your payment won't be due until the last day of the following month.
If the balance is paid by the due date no fees will be incurred.
If you'd like more time to pay, a $5 account service fee will be added to the month you have an outstanding balance. There is also a minimum repayment of $40 / month.
There are no establishment fees to set up your account and no interest charges.
Once you have repaid your balance down to $0, no fees will ever be charged to your account – it will simply remain open waiting for you to use again for additional purchases.
Can I Return My Order if I’ve Paid for it Using zipPay?
Yes, you are eligible to return your order for a store credit, provided our returns policy is adhered to.
How Can I Apply?
To set up your account, simply select zipPay at checkout and fill out the required information. It only takes a few seconds and (subject to approval) once you have created your zipPay shopping account, you never have to apply again and can continue to use it as much as you like.
How Will I Receive my Statement?
All of your recent activity can be viewed when you log into your zipPay Digital Wallet. When your monthly statement is ready, zipPay will notify you by email.
Every month your statement will include:
- All new purchases made
- Payments applied on your previous statement
- Your billing due date
- Minimum payment due
- Any fees charged during the statement period
Please ensure you add zipMoney to your safe recipients email list to ensure no emails go into your spam folder.
How do I Make Payments on My Account?
To ensure you never miss a payment, you can log into zipPay any time and set up a direct debit to automatically make your repayments. You can set this to run for as much as you like and as often as you like, as long as you pay the minimum ($40) each month.
Additionally, you can make a one-off payment anytime by logging into your zipPay Digital Wallet and selecting 'Make a Payment'. Payments can be paid online by debit card, credit card or Bpay.
Should you have any difficulties in making your payments, please contact zipPay directly.
For more Information about zipPay:
Phone: (02) 8294 2345