If you are a regular shopper in Australia and looking for the best similar and alternative apps like ZipPay, then we got you covered in this write up. This article shall take an analytic review of the top 6 apps that work in a similar way like ZipPay and allow you to buy now, pay later for purchases without using a credit or debit card.
With ZipPay, you can navigate your day-to-day life with ease by spreading the cost of your purchases over time. You can always pay in store or online with flexible repayment installments and with little or no interest or fees. You’ll pay nothing upfront, and repay weekly, fortnightly or monthly on a schedule that suits you. The application allows you to apply for up to $1,000 in Australia, to pay for items in-store and online without needing to use your credit or debit cards.
Best Apps Like ZipPay in Australia 2025
The most popular apps like ZipPay in Australia are Affirm, Sezzle, Zilch, Afterpay, and Klarna. These ZipPay alternatives provide buy now pay later online payment services or virtual debit cards and come with ease of repayment.
1. Affirm App
Affirm is one of the best buy now pay later apps like ZipPay that offers a wide variety of merchants to shop with, including popular e-commerce sites and brick-and-mortar stores.
Affirm works similar to ZipPay and it doesn’t charge any fee or interest, not even a late fee. For transactions that do charge interest, Affirm charges simple interest, which means that your interest charges won’t compound and grow larger. With this platform, purchase limit is $17,500 and only requires soft credit check to prequalify with payments of three, six, or 12 months.
With Affirm, customers get approved for a line of credit up to $2,500 and then make payments in four equal installments. You can shop anywhere and pay at your own pace without any fees or interest.
2. Klarna App
Klarna, a Swedish payment app like ZipPay, is the best for large purchases because it offers up to 24 months of financing and it is powered by virtual card numbers that can be used at any online or in-person retailer. Klarna was officially launched in Australia in January 30, 2020.
Just like ZipPay app, Klarna allows users to make large purchases and pay for them in smaller four interest-free instalments. There are no predefined credit limit with Klarna, and only a soft credit check is applicable.
3. Sezzle App
Sezzle is one of the leading apps that works like ZipPay, used in Australia but based in the United States. The platform facilitates flexible repayment plans of 4 installments over 6 weeks when you buy now and checks out with the app to pay later. Sezzle sets itself apart by allowing customers to reschedule repayments to give themselves up to two weeks of additional time.
Users are allowed to make purchases and pay for them in four interest-free payments. Like ZipPay, there are no hidden or interest charges with the app. Credit limits vary with Sezzle, and only a soft credit check is required.
4. Zilch App
Zilch app which just started operating in the US in May of 2022 works as a virtual card and allows you to split a product’s total cost into four separate payments. It provides a helpful and handy payment option for emergencies because you can spend money before it lands in your account. One unique aspect of Zilch which makes it a similar alternative to ZipPay is that it doesn’t charge any interest or fees, so you won’t have to pay more than you have borrowed.
5. Afterpay App
Afterpay is one of the best apps like ZipPay that allows you to buy now, and pay in four instalments over 6 weeks, without ever having to pay an interest. With the app, you can make your first payment today and the rest over 6 weeks, while utilizing smart credit limits to ensure customers can afford to pay for purchases. There is also a virtual card in the app for in-store purchases.
With Afterpay, spending limits start around $600 and only increase gradually with on-time payments, and a soft credit check is required though no applicable minimum score. The platform sends you reminders, so you never have to miss a payment. Just like ZipPay app, signing up with Afterpay is absolutely free, also enjoying the service is free when you pay on time, no establishment fees, no monthly account fees applicable.
6. Laybuy App
Laybuy, a fully integrated platform, based in New Zealand, is an amazing app like ZipPay that offers users the chance to buy and make payments later in six interest-free payments. Laybuy lets you receive your purchase now and spread the total cost over 6 weekly automatic payments all completely cost-free and zero charges.
Is ZipPay or Afterpay better?
ZipPay allows you to apply for up to $1,000 to spend, interest free always. You’ll pay nothing upfront, and repay weekly, fortnightly or monthly on a schedule that suits you, with no interest ever. If there isn’t sufficient money in the buyer’s account, AfterPay will give them 24 hours to make payment before charging a $10 fee and an additional $7 if the payment remains unsettled after 7 days. ZipPay is more accommodating and flexible, allowing buyers to set up their own payment schedules.
What is the difference between Openpay and ZipPay?
One of the main differences between Openpay and its largest competitors Afterpay and ZipPay, is that Openpay claims to be more focused on automotive, healthcare, home improvement, membership and education transactions, while Afterpay and ZipPay are very good and favoured for retail online and in-store transactions.
Conclusion
Buy now pay later (BNPL) apps like ZipPay such as Afterpay, Affirm, Zilch, Sezzle, Laybuy and Klarna allow you to buy something right away and spread out the cost over time, usually 4 weeks. You don’t have to pay any interest, but fees and charges can quickly add up.
Typical features of most apps that work similar to ZipPay or alternative to ZipPay include flexible repayments (you can choose a weekly, fortnightly or monthly schedule. Pay off early if you like, without a penalty), Pay later, interest free (Every transaction you make with ZipPay is interest free, always and approval is in minutes (apply in minutes, with no establishment fees and nothing to pay today.
