Zip Pay is an interest free service. There are no fees when you pay on time.
The only extra charges are for late payments. If you miss a scheduled payment, an $8 default fee is added to your account, and your spending will be paused until your overdue payments have been made. A further $8 will be applied for every week the payment is unpaid. Default fees are capped at $40 per order.
Please refer to Zip’s full terms and conditions for details of fees https://zip.co/nz/terms-conditions/.