Shop it. Own it.
Zip gives you the freedom to buy the things you love today.
Nothing to pay today
Interest free
Flexible repayments
Reusable account
Check out now using Zip
How to checkout with Zip at the Microsoft Store
1. Download the Zip app
2. Browse, and fill your cart
3. Select ‘Pay with Zip’ and generate a single use card
4. Card details populate in payment fields upon checkout
Whatever you want from Microsoft Store, there’s a Zip for that.
Your everyday spending account
- Spend up to $1,000
- Pay nothing today
- Always interest free
- Spread repayments over a month or longer
- $9.95/month account fee or $0 if nothing owing
Ideal for life’s bigger buys
- Apply for $1,000 - $5,000
- Pay nothing today
- 3-12 months interest free
- $9.95/month account fee or $0 if nothing owing
- One off establishment fee up to $99 may apply
Zip FAQs
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The Microsoft Store instalments with Zip offers you flexibility in payment methods when shopping for Microsoft products through interest free instalments. Zip offers you the flexibility to repay back your Microsoft purchase from only $10/week with Zip Pay+ or up to 12 months interest free with Zip Money^.
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1. Open the Zip app to the ‘Shop’ page. Tap on the search bar and search for Microsoft Store. You will be redirected to the Microsoft Store website.
2. Once you have added all your items to your cart, proceed to the checkout. Your contact and delivery information should pre-fill automatically from your account. If it doesn't please enter it as usual.
3. When you are required to add a payment method, simply tap the 'Pay with Zip' button at the bottom of the page. The single-use card number should fill out automatically. If it doesn’t, enter the single-use card number, expiration date and CVV manually. If asked for the name on the card, simply use your name.
4. Complete the checkout and Zip will send you a confirmation that the purchase is approved and successful. -
Zip does not charge any additional fees or charges for using a single-use card. However, the standard fees and charges for a Zip account will still apply. For both Zip Pay & Zip Money, a monthly account keeping fee of $9.95 applies. However, this is only charged when you have an outstanding balance at the end of the month.
+For Zip Pay (purchases up to $1,000), making a purchase with a Zip single-use card is interest-free.
^For Zip Money (all purchases), all Microsoft purchases are up to 12-months interest free.
Depending on the credit limit you apply for, there may be an establishment fee (from $25) for setting up the account.
• Note for International Transactions: Transactions made in another currency will be subject to the Visa exchange rate at that time, plus a 1% foreign exchange fee. This is not a fee applied by Zip and is standard for all debit card transactions overseas, as such, it is non-refundable.
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With Microsoft, the most you can spend at a time in one transaction with a single-use card is $10,000.
You can check your available balance by signing in with your Zip account.
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If the purchase is unsuccessful, the Zip single-use card will still be valid and you can try to complete the purchase again. If the error is ongoing, please contact Zip Customer Experience team by:
Emailing at hello@care.zip.co
Calling on 02 8294 2345 option 1 -
Once you have completed a purchase with your single-use card, you will be able to review the details of the payment through your ‘Recent Activity’ in your account. To find your recent activity, sign in with your Zip account.
Alternatively, to locate the recent activity section follow these steps:
Open the Zip App- Select ‘Your Zip’ located on the bottom banner of your screen
- Select the relevant account (either Zip Pay or Zip Money) depending on which account was used at checkout
- Scroll to ‘View your recent activity’ at the bottom of your screen
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Microsoft Store’s refund policy applies to all Zip transactions. Learn more about returning items you bought from Microsoft Store for exchange or refund.
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This buy now pay later program offering is based on using your one-time purchase Zip generated virtual card via the Zip mobile app at Microsoft Store checkout. The one-time purchase Zip generated virtual card will expire within 24 hours from issuance or after first use, whichever is first.
For any transactions on Microsoft Stores the virtual card credentials (e.g. card number, name, CVV) are stored in your Microsoft Account. Therefore, as your Zip virtual card will expire within 24 hours or after the first use, we recommend you remove the used card from your Microsoft account to avoid card declines for any subsequent purchase. If your Zip virtual card expires before your one-time purchase within 24-hour from issuance, generate a new virtual card in your Zip mobile app and use it in the Microsoft Store checkout to finalize your transaction at Microsoft Store.
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No, this offer with ZIP is currently exclusive to eligible Australian Zip customers who will use the Zip generated virtual card at Microsoft Digital Stores Australia.
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No, Zip may not be used for subscriptions.
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Unfortunately, pre-orders are not currently eligible as part of the Zip offer.
Why shop at Microsoft Store
Fast, free delivery
60-day return policy
60-day low price promise
90 days free support
- ** Offer valid on purchases of Surface devices made at Microsoft Store in Australia within 60 days from purchase (“Offer Period”). Excludes Surface Hub. Offer not valid on purchases made at third party retailers. Customer is eligible for price adjustment only if 1) Customer purchases a Surface device during the Offer Period, (2) the price of that Surface is reduced during the Offer Period, and 3) Customer requests a price adjustment while the Surface price is reduced and in-stock for purchase. Customer must contact Microsoft Store Sales and Support to request price adjustment with order number and any other information requested by the Microsoft Store Sales representative. Credit will be provided to Customer in same method of payment (credit card use will be credited to original card). Offer limited to 5 devices per eligible customer in total during the Offer Period and a maximum of one price adjustment per device. Void where prohibited or restricted by law. Microsoft reserves the right to modify or discontinue offers at any time. Other exclusions and limitations may apply.
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+Zip Pay - Minimum monthly repayments are required. A monthly account fee of $9.95 applies and is subject to change. Pay your closing balance in full by the due date each month and we’ll waive the fee. Available to approved applicants only and subject to completion of satisfactory credit check. Other charges may be payable. Fees and charges subject to change. T&Cs apply.
^Zip Money - 12 months interest-free only available for purchases of $500 or more. Available for approved applicants only and subject to completion of satisfactory credit check. Minimum monthly repayments are required. Paying only the minimum monthly repayment amount will generally not repay the purchase within the interest free period. Any balance outstanding at the expiry of the interest free period will be charged at the standard variable interest rate, 25.9% per annum, as at 1 June 2023. A monthly account fee of $9.95 applies and a one-off establishment fee may apply for new customers. Other charges may be payable, see T&Cs. Interest, fees and charges are subject to change. Terms & Conditions apply and are available on application. See your contract for further details. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878).