Zip Pay

Own it now, pay later with Zip - Online only purchases


Shop online with Zip at Mico and pay in 4, interest free instalments over 6 weeks on purchases between $50 and $1,500.


You can apply in minutes online with real time approval, and as long as you make all your repayments on time you won’t pay anything more than the cost of the items purchased.

Shopping with Zip online

Simply select Zip as your payment method at checkout, sign up or log in, and pay only 25% today but get your goods shipped straight away. You then pay the rest over 3 fortnightly payments automatically charged to your linked card.



How does Zip work?
Zip allows you to make purchases and take your goods straight away but only pay 25% upfront with the rest charged over three fortnightly interest-free payments.

Are there any hidden fees?
There are no fees and interest costs to shop with Zip if you make your payments on time. If you miss a payment you will be charged an $8 default fee per week it is late (capped at $40 total late fees per purchase).

How much credit can I get with Zip?
If you pass Zip's minimum credit criteria you will be allocated a starting spend limit between $300 and $1,000, subject to an individualised credit assessment. As you purchase using Zip and make your repayments on time, your spend limit will increase, up to a maximum of $1500 for those with higher credit scores.

How do I sign up to shop with Zip?
You can sign up when checking out online, at or through the Zip mobile app. The sign-up process takes 2-3 minutes and you need to be 18 years or older with valid ID and a NZ debit or credit card.

What if I don't have a NZ Driver Licence or get an ID failed message when applying?
Zip needs to identify you. You can get manually ID verified as part of the signup or checkout process with other forms of ID (this process can take up to 24 hours) so just follow the prompts.


Why did I get declined?
Zip performs a credit check as part of its application process. does not have any influence on Zip’s credit criteria. If you have questions around your application you will need to contact Zip via


Can I spend above my credit limit?
When checking out online, you can spend above your available Zip credit by increasing your first payment by the difference. This is automatically calculated during checkout. Please note this is not available when shopping instore.


Is there a minimum spend amount to shop with Zip?
There is a minimum spend of $50 to shop with Zip at Mico online.


Do I need the whole amount of the purchase on my card?
No, you only need 25% of your purchase on your nominated card which is charged at checkout.


Can I make an early payment?
Sure. Just log on to your Zip customer account at or using the mobile app and follow these instructions. There is no cost associated with paying off your purchases early.


Will you remind me about my instalments?
Yes, Zip will email you the day before they take the instalment payment, but it is still down to you to ensure there are sufficient funds to take each instalment payment.


How do I update my details?
Please log onto your account at and follow the instructions.


Are my details safe?
Yes. The Zip platform is SSL secure and Zip does not store your full debit card details. All payments are handled by Payment Express, a secure PCI compliant New Zealand based payment gateway.

Zip only deal with your information in accordance with the Zip privacy policy, which you can find at


Can I read Mico terms and conditions for Zip use?
Zip Co NZ Limited is an external payment service provider. Mico offers Zip as a further payment option for you when purchasing goods from us through our Online Store. You can view Zip’s full terms and conditions at


Zip refund and exchange information.
You can return items purchased using Zip but only for a refund, exchanges are not available. Bring your items to store and we’ll process the refund.

Zip refunds are made directly to the card associated with your Zip account. No cash refunds will be given in-store under any circumstances.

Zip refunds can only be processed as standalone transactions.

Normal bank processing times for refunds (up to 5 business days) apply.

Where can I find out more about Zip?
For more Zip FAQs or to get in touch with their team, visit the Zip Help Centre.