Sometimes you might need more time — we understand.
Depending on your payment date, you may still be able to move your instalment.
Please note:
We can’t make changes on the day your payment is due, as it’s already in our automated system.
We require at least 48 hours’ notice for payment date changes.
See here for everything you need to know about payment date change requests.
What happens if I pay late? Will I be charged?
We start processing instalment payments from 10.00am on the due date.
If we’re unable to collect the payment from your default card, you have until 11.59pm on the due date to make a manual payment by logging in to the Zip app or your customer portal. We'll let you know by email if the payment hasn't been successful, to give you time to make the payment yourself. Your account will be temporarily placed on hold until the payment is received.
If we haven’t received your instalment payment by the end of the due date:
A $10 default fee is automatically applied the following day
A $10 arrears fee is automatically applied each week the payment remains unpaid to a maximum of $40
We’ll also attempt to process the payment again:
3 days after the due date
7 days after the due date
10 days after the due date
If a payment attempt has been scheduled, we’re unable to stop it.
Why didn’t my payment come out on the due date?
There are a few common reasons this can happen:
There were insufficient funds on your default card
You added a new card but didn’t set it as your default
Your card was lost, stolen or expired
If your card details have changed, update them in the Zip app or customer portal. You can find instructions on how to change your card here.
If you’re waiting for a replacement card, you can make a manual bank transfer here.
Need extra support?
If you’re experiencing financial hardship and need help planning your future payments, please follow the steps in this article as soon as possible so we can find a solution together.