RATIONALE is now accepting ZipPay for purchases made on So you can glow now, pay later.

Glow now, pay later.

What is zippay?

zippay is a safe, simple and convenient payment option, allowing you to shop online and pay in flexible weekly, fortnightly or monthly instalments. Things to know:

  • Shop without a credit card
  • Easy, flexible repayment instalments
  • Interest free
  • A digital 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, so you have nothing to pay upfront and your order will be processed straight away. Simply pay off your balance over time in flexible instalments that suit you.

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?

Schedule weekly, fortnightly or monthly repayments that suit your lifestyle best. Your first payment won't be due until the last day of the following month (from your first purchase). All that’s required is a minimum repayment of $40 per month. A $6 monthly account service fee is also applicable, however, this fee is waived if the monthly statement amount is paid by the due date.

And you can log in to pay the full balance at any time. Once your balance has been repaid down to $0, no ongoing fees will be charged to your account—it will simply remain open for you to use again for additional purchases. No balance, no fee.

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 avoid emails going 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.

I’d like to contact the zippay team. How can I do this? 

Please call (02) 8294 2345 or email

You can also visit the zippay website by visiting