Zip

Own it now, pay later with flexibility

  • Two Products – Zip Pay (smaller purchases, usually up to $1,000) and Zip Money (larger purchases with higher limits).

  • Flexible Repayments – Weekly, fortnightly, or monthly repayment options; minimum repayments apply.

  • Fees – No interest if paid on time, but account fees or late fees may apply.

  • Credit Check – Zip Pay usually doesn’t require a credit check; Zip Money often does.
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Gem Finance

Long-term financing for bigger purchases

  • Interest‑Free Plans – Eligible purchases can be repaid over 6, 12, 24+ months with no interest during the promo period.

  • Credit Card Product – Works like a Visa card with a credit limit; provided by Latitude Financial Services.

  • Fees Apply – Establishment fees, annual fees, and late fees may be charged; interest applies after promo ends.

  • Repayment Discipline – Monthly installments must be paid; balances not cleared by the end of the term revert to high interest rates.
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After Pay

Buy now, pay in 4 fortnightly installments

  • Split Payments – Purchases are divided into 4 equal installments, paid every 2 weeks.

  • No Interest – As long as payments are made on time, there are no interest charges.

  • Eligibility – Available to users 18+ with a valid debit/credit card; approval is instant but subject to risk checks.

  • Reminders & Flexibility – Automatic payment reminders are sent; limited rescheduling options may be available.
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Poli

POLi Payments – Global Highlights

  • Direct Bank Transfer – POLi lets you pay online directly from your bank account without needing a credit card.

  • No Registration Needed – You don’t need to sign up; if your bank supports POLi, you can use it instantly at checkout.

  • Secure Transactions – POLi never stores your banking login details; authentication happens through your bank’s secure system.

  • Online Use Only – POLi is available for e‑commerce, government, and utility payments, but not for in‑store purchases.
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UnionPay

  • Worldwide Acceptance – UnionPay is one of the largest payment networks, accepted in over 180 countries and regions.

  • Multiple Card Types – Offers debit, credit, and prepaid cards, functioning like other international card networks.

  • Secure Transactions – Provides encrypted, fraud‑monitored payments for in‑store, online, and ATM withdrawals.

  • Travel & Shopping Benefits – Popular among international travelers, with perks such as installment options, tax refund support, and loyalty rewards (varies by issuer).
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Master Card

  • Worldwide Acceptance – Mastercard is accepted at millions of merchants and ATMs in over 210 countries and territories.

  • Credit Facility – Provides a pre‑approved credit limit, allowing purchases to be repaid in full or via monthly installments.

  • Rewards & Benefits – Depending on the issuer, cards may include cashback, reward points, purchase protection, travel insurance, and interest‑free promotional periods.

  • Issuer‑Specific Terms – Fees, eligibility, and perks are determined by the issuing bank or financial institution, not by Mastercard itself.
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