Treat now, pay later.

Zip gives you the freedom to buy the things you love today. No fuss, no wait, no worries.

Nothing to pay today
Nothing to pay today

We pay the store, you get the goods, or the store sends the goods.

Interest free with Zip Pay
Interest free with Zip Pay

Interest free terms available with Zip Money*

Flexible repayments
Flexible repayments

Pay us back how you like — weekly, fortnightly or monthly.

Reusable account
Reusable account

A reusable account with a limit that suits your needs.

Whatever you want from The Derm Lab,
there's a Zip for that

  • Two great ways to help you own it

  • Your everyday spending account

  • Account Limits

  • Interest

  • Minimum payments

  • Establishment fee

  • Monthly account fees

  • Apply Now

  • ZIP PAY
  • Your everyday spending account

    Under $1,000

  • Account Limits

    Up to $1,000

  • Interest

    Interest free, always

  • Minimum payments

    From $40/month

  • Establishment fee

    $0

  • Monthly account fees

    $7.95/month
    (waived if your statement balance is zero)

  • Apply for Zip Pay
  • ZIP MONEY
  • Your everyday spending account

    Over $1,000

  • Account Limits

    From $1,000

  • Interest

    Up to 6 months interest free*

  • Minimum payments

    From $40/month or 3% of the outstanding balance (whichever is greater)*

  • Establishment fee

    A one-off establishment fee may apply. See here for details.

  • Monthly account fees

    $7.95/month
    (waived if nothing owing)

  • Apply for Zip Money
How can I use Zip at The Derm Lab
How can I use Zip at
The Derm Lab?
  • Want It

    Choose the items you love

  • ZIP It

    Select ZIP at checkout

  • Own It

    Set your repayments and enjoy your purchase

Zip FAQs

Is Zip suitable for everyday purchase?

Zip Pay and Zip Money are perfect for everyday expenses and offers the ability to transact just about everywhere, so you can manage all your expenses in one place and repay on a schedule that suits you. To shop instore, Zip Pay users can tap to pay at checkout.^

To get started with tap to pay, simply navigate to the Zip app and click on the pay tab in the bottom menu. From there, you can follow the prompts to set up your card and add it to your Apple Pay or Google Pay wallet.

To shop online, use the Zip mobile app and generate a single-use card at the checkout anywhere Visa is accepted.

Where can I shop with Zip?

See the full list where you can shop with Zip: https://zip.co/au/shop

Shop everywhere online where Visa is accepted with Zip’s single-use card feature on the Zip mobile app.^ Or shop anywhere instore you see Zip at checkout – we’re partnered with 40,000+ retail stores.

Additionally, you can use your Zip account to pay BPAY bills and buy gift cards for food, fuel and subscriptions.

What are the fees?

With Zip Pay a $7.95 monthly account fee applies, we will waive the fee if you pay your statement closing balance in full, by the due date.

With Zip Money a $7.95 monthly account fee applies which is waived if you have nothing owing.

With Zip Business Trade1 a $20 monthly account keeping fee applies which is waived if you pay each month’s closing balance by the end of the following month. There’s a 1.95% invoice and BPAY®* processing fee if you choose to pay using these methods. There’s a late fee of $25, calculated monthly, if you don’t pay the minimum amount by the due date. We may charge you a bank dishonour fee to cover costs involved if a payment is rejected due to insufficient funds or incorrect details.

With Zip Business Trade Plus1 there are no extension fees if you repay any transaction by the end of the following month. Or automatically move to a repayment plan of 4 equal monthly repayments with a one-off extension fee of 4%. There’s a 1.95% invoice and BPAY®* processing fee if you choose to pay using these methods. There’s a late fee of $25, calculated monthly, if you don’t pay the minimum amount by the due date. We may charge you a bank dishonour fee to cover costs involved if a payment is rejected due to insufficient funds or incorrect details.

Who can apply for Zip Business Trade or Trade Plus accounts?

To be eligible to apply, you need:

  • To have an active ABN or ACN
  • 6+ months in business
  • More than $5,000 in monthly sales
How do refunds work?

If you return goods to a retailer and they agree to a refund, your Zip account will be credited with the agreed refund amount. The funds will then be put towards your owing balance or depending on the refund amount your account may be placed in credit. Subject to retailer refund policy.

Is Zip a buy now, pay later like Afterpay, Klarna, Humm and Latitude?

Yes! Zip allows you to shop just about everywhere, online and instore. We give you the flexibility to set your repayment schedule to suit your lifestyle – choose weekly, fortnightly, or monthly. You can also pay your bills, buy gift cards and earn rewards when you use the Zip app.

Zip Pay. Minimum monthly repayments are required. A monthly account fee of $7.95 applies. This fee is waived each month you pay your statement closing balance, in full, by the due date. Available to approved applicants only. T&Cs apply.

^Tap to pay in store available with Zip Pay and Zip Business Trade Plus only. Use the Card everywhere that Visa contactless payments are accepted in store. Card T&Cs apply.
Single use card available with Zip Pay, Zip Money, Zip Business Trade and Zip Business Trade Plus only. Use the Card everywhere that Visa contactless payments are accepted online. Card T&Cs apply.

^^Zip Money. Any repayment advertised will repay the transaction balance within the interest free period based (excluding a monthly account fee of $7.95 and a one-off establishment fee which may apply for new customers). Under the contract, minimum monthly repayments are required. Paying only the minimum monthly repayment amount will generally not repay out the purchase within the interest free period. Any balance outstanding at the expiry of the interest free will be charged at the standard annual percentage rate, currently 19.9%. T&Cs apply and are available on application. See your contract for further details. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878).

*Payments may take up to 3 business days to reach your biller. Certain biller exclusions apply including but not limited to credit institutions, gambling, share trading, personal loans and DEFT rent. A $2.50 processing fee will be payable for each bill processed through Zip. The amount of the fee will be advised and authorised by You at the time of any relevant bill payment.
®Registered to BPAY Pty Ltd ABN 69 079 137 518.

1 Credit approval criteria, fees and Trade T&Cs or Trade Plus T&Cs apply.
2 Zip Pay and Zip Money only. Redeemable when you reach the Rewards Goal. Rewards Program and Promotion T&Cs apply.

Learn more about zipMoney Health HERE