Zip Money payment method

Zip Money

Get treatment now, pay later. Interest free.*

Financial help to get you started sooner

We understand that fertility treatment isn’t something you might have planned for, but at IVFAustralia, we want to make your fertility journey as smooth as possible. Whether you have chosen to seek treatment, or you’ve found yourself down the path of needing treatment, we’re here to help ease any financial pressures.

IVFAustralia has partnered with Zip Money to make it possible for you to spread the cost of fertility treatment. With a 6 month interest free period and flexible payment options, you can choose what works for you.

While Zip Money is a quick and easy process, you will first need to see one of our fertility specialists to receive a quote for treatment.

Applying for Zip Money is a simple 3 step process:

Receive a cost estimate from the specialist

Following your consultation a  customised plan will be prepared and a meeting will be arranged for you to discuss the costs with the IVFA administration team

What are the benefits of Zip?

Zip money wallet for web

Reusable Account

Zip gives you one account with one monthly statement, no matter how many times you shop.

Zip money 0% interest free

Interest Free

Flexible interest free terms for 6 months. No hidden fees or upfront payments.

Zip money flexible repayments

Flexible Payments

Choose your own payment schedule to suit your lifestyle - weekly, fortnightly or monthly

What is Zip?

Zip is an easy and flexible payment method which gives patients the option to get the treatment they need now and pay later at thousands of Australia’s favourite clinics.

How does Zip Money work?

1. Interest-free period 

Your interest-free period refers to the length of time for which your purchase will not incur interest. After this period, your outstanding balance will accumulate interest at the standard annual rate (outlined in your contract).

2. Application Process 

Our online application process takes less than 3 minutes. You simply choose the appropriate credit limit, input your residential, employment and financial information, and verify your mobile through an SMS code. You need to have your own email address and mobile phone number in order to complete an application. After submitting your application, generally, you will get an instant outcome. Only if our accounts team needs more information from you the decision could take a bit longer. 

3. Registering your account 

If approved, we will send an activation link to your email address. The activation step will detail your contract and requires you to provide your payment details for your regular direct debit payment.

Interest Free Period

When activating your account, your contract will indicate the interest-free period you will receive on your first purchase. The interest-free period applies on the actual purchases on your account rather than the credit limit itself.

"Why does it say 3 months when I was told it was more than that?"

If you do not have an order attached to your application, the promotional interest-free period that you were quoted will not be stated. Only once you register your account and make a purchase will the promotional interest-free period apply.

After the interest-free period, our standard annual interest rate applies which is 19.9% for new customers. Please check your contract to confirm your interest rate.

How is interest charged?
Every Zip Money purchase comes with its own interest-free period, from a minimum of 3 months. During this period, your purchase won't incur any interest - which means if you pay off your purchase within this period, you'll only pay the purchase amount (plus any monthly account fees, if applicable).

After the interest-free period ends, interest will be charged at the standard annual percentage rate, 19.9% for all new customers. Your exact interest rate will be outlined in your contract. As each merchant may offer different interest-free terms, it's important to confirm the interest-free offer before completing your purchase.

Interest is accrued daily and charged to your account at the end of each month. This charge will be displayed on your statement so you can keep track of how much interest has been applied.


There is a one-off establishment fee to pay when you activate the account which is a maximum of $99.00. 

There is a monthly service fee of $6.00 when there is an outstanding balance on your account.

A late fee of $15.00 may be charged if you do not make your minimum repayment within 21 days of your payment due date.

A bank dishonour fee of $5 may be applied if a scheduled payment was rejected/ dishonoured by the bank due to insufficient funds or incorrect bank account details.

When paying Bills with Zip, there is a small processing fee of 1.25% for each bill paid.

*To approved applicants only. The repayment advertised will repay the balance within the interest free period - inclusive of the $6 monthly account fee and $99 establishment fee. Minimum monthly payments required. Any balance outstanding at the expiry of the interest free period will be charged interest at the standard annual percentage rate, currently 19.9%. Credit provided by zipMoney Payments Pty Limited (ABN 58 164 440 993, Australian Credit Licence Number 441878).