Zip

Financial Services95% confidence

Zip is a buy now, pay later and digital credit provider offering products such as Zip Pay, Zip Plus, and Zip Money for in‑store and online purchases.

Sydney, New South Wales, Australia
zip.co
Owned by Zip Co Limited

About Zip

Zip is a digital financial services and buy now, pay later (BNPL) provider that allows customers to make purchases immediately and pay them off over time. Operated by Zip Co Limited, the company offers several credit products in Australia, including Zip Pay, Zip Plus, Zip Money and personal loans, all accessible via the Zip app and Zip Visa card. These products are used for everyday shopping, larger-ticket items, and bills at a wide range of participating merchants, as well as anywhere the Zip card is accepted.([en.wikipedia.org](https://en.wikipedia.org/wiki/Zip_Co?utm_source=openai))

A descriptor such as “ZIPPLUS P840717774 SYDNEY AU” on a card statement is typically associated with the Zip Plus credit product issued in Australia by ZipMoney Payments Pty Ltd (a Zip Co subsidiary). This type of charge may appear when you add your Zip card to a digital wallet, make a purchase using Zip Plus at a merchant, or when scheduled repayments or fees are processed against your Zip Plus account. In some cases, you may also see pending or small test authorisations when a new card or payment method is verified.([zip.co](https://zip.co/about-us/our-markets?utm_source=openai))

If you have questions about a Zip Plus charge, the best first step is to log into your Zip account via the app or the Zip website and review your recent transactions and statements, which list the merchant, amount, and date for each purchase or repayment. If something looks unfamiliar, you can contact Zip support through their in‑app help, online help centre, or by using the contact details listed on their website. Keep screenshots of the transaction, any retailer receipts, and any emails from Zip or the merchant. For suspected fraud or unauthorised use, report it to Zip immediately and also contact your card issuer or bank so they can review, temporarily block, or reissue your card if needed.([zip.co](https://zip.co/?utm_source=openai))

Bank Statement Variations

1 known variations

These are the raw merchant codes that appear on bank and credit card statements that we've identified as belonging to Zip.

  1. ZIPPLUS P840717774 SYDNEY AU

Frequently Asked Questions

What is a “ZIPPLUS” charge on my card statement?

A “ZIPPLUS” descriptor usually indicates a transaction or repayment linked to your Zip Plus credit account, issued by ZipMoney Payments Pty Ltd in Australia. It may represent a purchase you made using Zip Plus, a scheduled repayment, or related fees such as account-keeping or late fees.

How does Zip Plus differ from Zip Pay and Zip Money?

Zip Plus is one of Zip’s regulated credit products under its Australian Credit Licence, similar to Zip Money, with higher limits and more traditional credit features than Zip Pay. Zip Pay is an interest‑free BNPL wallet for everyday purchases, whereas Zip Money and Zip Plus operate more like lines of credit for larger or more flexible borrowing, subject to credit checks and responsible lending rules.([choice.com.au](https://www.choice.com.au/shopping/online-shopping/buying-online/articles/what-is-zippay-can-it-be-trusted-010318?utm_source=openai))

Why do I see a small or pending charge from ZIPPLUS on my account?

You may see a small temporary authorisation from ZIPPLUS when you add your Zip card to a digital wallet, verify a payment method, or when a merchant checks card validity before finalising a purchase. These authorisations usually drop off automatically within a few days and are replaced by the final purchase amount, if applicable.

How can I confirm what a specific ZIPPLUS transaction is for?

Log into the Zip app or your account at zip.co and open your Zip Plus (or relevant Zip credit) account. Under Recent Activity or Statements, locate the transaction on the same date and amount as shown on your bank statement. There you’ll see the underlying merchant name, purchase details, and any associated fees so you can match the charge accurately.([zip.co](https://zip.co/?utm_source=openai))

How do I cancel or close my Zip Plus account to stop future ZIPPLUS charges?

To close a Zip Plus account, first ensure your balance is fully repaid, including any outstanding fees. Then contact Zip via the in‑app support, online help centre, or the contact details on zip.co to request account closure. Once closed, you should no longer see new ZIPPLUS charges, but prior repayments may still appear on your bank statement until fully processed.

How do I request a refund for a purchase made using Zip Plus?

Refunds for purchases made with Zip Plus are initiated with the original merchant, not directly with Zip. Contact the store or website where you bought the item and follow their returns policy. Once the merchant processes the refund back to Zip, your Zip Plus account balance will be adjusted accordingly, and if you’ve already made repayments, they will reduce or offset your outstanding balance.

Can ZIPPLUS charges include fees or interest as well as purchases?

Yes. Depending on your Zip Plus or related credit product terms, your statement may include account‑keeping fees, late fees, or interest after any promotional or interest‑free period ends. These fees and charges are processed through your Zip account and may appear as ZIPPLUS transactions when debited. Review your Zip contract and monthly statements to understand the fee schedule.([choice.com.au](https://www.choice.com.au/shopping/online-shopping/buying-online/articles/what-is-zippay-can-it-be-trusted-010318?utm_source=openai))

What should I do if I don’t recognise a ZIPPLUS charge or suspect fraud?

If you do not recognise a ZIPPLUS charge, immediately check your Zip account history and any supplementary cards on the account. If it still appears unfamiliar, contact Zip support straight away via the app or website to report the transaction, and notify your bank or card issuer. They can help investigate, block further transactions, and, if appropriate, dispute the charge or reissue your card.

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