Your spend limit is set based on a number of factors, but this primarily comes from your Credit Score.
At the time of sign-up, we run a credit check with the credit bureau Centrix. Your Zip spend limit is a direct reflection of the credit score we receive back from Centrix, along with your repayment history as you complete orders.
As you complete orders successfully without any late payments or refunds (with the exception of Auckland Transport), your spend limit will increase gradually, up to a maximum of $1000 ($1500 for those with very high credit scores).
If you miss or default on your Zip payments your limit will gradually decrease (down to $0), so make sure you pay on time. To learn more about your Credit Score and credit history, get in touch with Centrix.