Zip Pay is an interest-free buy-now-pay-later service with a credit limit of up to $2000.^^ Repayments are based on a minimum monthly payment from as little as $10 per week. A $7.95 monthly account fee applies, ZIP will waive the fee if you pay your statement closing balance in full, by the due date. With Zip Pay, you can shop everywhere you see the Contactless Symbol when you add your Zip card to your Apple or Google wallet.* Zip Money is a line of credit with credit limits between $1,000 and $3000 for regular accounts and up to $50,000 for specific merchants*. Zip Money offers customers a guaranteed interest-free period of 6 months or 12 months on our website. Zip Money accounts may incur a one-off establishment fee for certain credit limits. A $6 monthly account fee applies. *Please note that Giant has a $10,000 limit and offers up to 12 month interest free payment options Both products also feature ZIP's Shop Everywhere card, which you can use at any online retailer that accepts Visa**.