Cancel ZIP online
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Dear Sir or Madam,
I hereby notify you of my decision to terminate the contract relating to the Zip service.
This notification constitutes a firm, clear and unequivocal intention to cancel the contract, effective at the earliest possible date or in accordance with the applicable contractual period.
Please take all necessary measures to:
– cease all billing from the effective date of cancellation;
– confirm in writing the proper processing of this request;
– and, if applicable, send me the final statement or balance confirmation.
This cancellation is addressed to you by certified e-mail. The sending, timestamping and content integrity are established, making it a probative document meeting electronic proof requirements. You therefore have all the necessary elements to proceed with regular processing of this cancellation, in accordance with applicable principles regarding written notification and contractual freedom.
In accordance with personal data protection rules, I also request:
– deletion of all my data not necessary for your legal or accounting obligations;
– closure of any associated personal account;
– and confirmation of actual data deletion according to applicable privacy rights.
I retain a complete copy of this notification as well as proof of sending.
Cancel Zip: Easy Method
What is Zip
Service overview
Zip is a payments provider that lets you split purchases into instalments in New Zealand.
Common options include an interest-free "Pay in 4" instalment plan and longer-term credit agreements ("Pay Longer").
How it is used
Zip is offered at online and physical retailers; the retailer and the chosen plan determine how payments and refunds are handled.
Zip agreements preserve your statutory consumer rights under New Zealand law.
How to cancel Zip
Cancelling Pay Longer (credit agreement)
- You have a right to cancel a Pay Longer agreement within 7 working days of receiving the disclosure statement under the Credit Contracts and Consumer Finance Act 2003.
- Give written notice to Zip by email, post, or via an employee to exercise this right.
- If you cancel, you must repay any payments already received unless you have returned the goods to the retailer.
Cancelling Pay in 4 or web purchases
- For Pay in 4, and agreements made via web, follow the retailer's returns and cancellation process first; Zip applies refunds after the retailer processes them.
- If the retailer will not resolve an issue (non-delivery or fault), contact Zip support to escalate the dispute.
- Keep written records of all communications and any proof of return or attempted delivery.
What happens when you cancel
Payments and obligations
Cancelling a Pay Longer agreement triggers repayment obligations for sums already advanced, unless the related goods are returned to the retailer.
If a retailer processes a refund, Zip will apply it to reduce your instalments or refund any excess to your card.
Account access and records
Your Zip account remains subject to normal terms; cancellation of a single agreement does not necessarily close your Zip account.
Zip retains records to meet legal and regulatory obligations and to respond to disputes.
Will I get a refund?
Retailer-dependent refunds
Refunds are controlled by the retailer's returns policy and applicable consumer law, not by a general Zip cooling-off period.
Once the retailer issues a refund, Zip applies it to your payment plan and refunds any excess to your card (this can take up to 7 business days depending on your bank).
Exceptions and timing
- There is no standalone 14-day automatic refund right from Zip; refunds depend on the retailer and statutory rights (e.g. Consumer Guarantees Act).
- If the retailer refuses a lawful refund and you cannot resolve it with Zip support, you may escalate to external dispute resolution.
Zip plans and pricing
Summary of core plans
Key pricing elements for Zip NZ include interest-free instalments and per-transaction late fees where applicable.
Zip NZ does not charge monthly or annual subscription fees; charges arise per transaction or for missed payments.
Pricing table
| Plan | Price / Details | Period | Features |
|---|---|---|---|
| Pay in 4 instalments | 25% upfront, remainder over 3 fortnightly instalments (interest-free) | Per purchase over 6 weeks | Interest-free if paid on time; no ongoing subscription fee |
| Late payment fee | NZ$8 per missed payment, plus NZ$8 per week overdue (capped at NZ$40 per order) | Per missed/overdue payment | Applies only if payments are missed; cap applies per order |
Your consumer rights in New Zealand
Statutory protections
Your Zip agreements explicitly preserve rights under the Credit Contracts and Consumer Finance Act 2003, the Consumer Guarantees Act 1993, and the Fair Trading Act 1986.
These laws govern cancellation rights for credit agreements, guarantees for goods and services, and protections against misleading conduct.
Dispute resolution
- If a retailer won’t resolve an issue (non-delivery, fault), escalate to Zip support for an internal review.
- After Zip’s internal complaints process, you may take unresolved complaints to the external dispute resolution scheme referenced by Zip.
- See Zip’s disputes and complaints information: Zip disputes and complaints.
Customer experiences
Positive feedback
- Users commonly find Zip easy to use and appreciate the interest-free Pay in 4 instalments for short-term budgeting.
- Many customers note a clear app interface and transparent receipts as helpful features.
Negative feedback
- Complaints include confusion about changing owed balances and difficulties dealing with disputes or refunds.
- Some users report concerns about establishment or service fees not being clearly disclosed in certain situations.
Documentation checklist
What to prepare before cancelling
- Copy of your Zip agreement and disclosure statement.
- Order number, retailer receipt, and proof of payment.
- Evidence of returns or delivery attempts (tracking, return confirmation).
- All communications with the retailer and with Zip support (emails, chat transcripts).
Where to send cancellation or dispute notices
- Send written cancellation or dispute notices via Zip’s support channels or by post to the address below.
- If unsure where to send, start at Zip’s disputes page: Zip disputes and complaints.
Common mistakes
Missing or late written notice
Many customers assume an oral request is sufficient; for Pay Longer cancellations you must provide written notice within 7 working days.
Failing to send written notice on time can leave you liable for repayment obligations under the agreement.
Relying on Zip for retailer refunds
Expecting Zip to automatically refund purchases without involving the retailer causes delays.
Start with the retailer’s returns policy, then inform Zip and provide evidence so they can apply any processed refund to your plan.
Comparative recap
Quick comparison
| Feature | Pay in 4 | Pay Longer | Refunds |
|---|---|---|---|
| Upfront payment | 25% upfront | Varies by agreement | Depends on retailer |
| Duration | 6 weeks (3 fortnightly instalments after upfront) | Longer-term credit (term per agreement) | Timing set by retailer processing |
| Interest | Interest-free if on time | Subject to agreement terms and disclosure | Not applicable (retailer refund) |
| Late fees | NZ$8 per missed payment + NZ$8 per week (capped at NZ$40 per order) | Same late fee structure applies where payments are missed | No direct Zip late fee for refunds; fees relate to missed payments |
| Cancellation right | Refunds via retailer; no standalone 14-day Zip cooling-off | 7 working days cancellation under Credit Contracts and Consumer Finance Act 2003 | Dependent on retailer policy and consumer law |
When to choose each option
Use Pay in 4 for short-term, interest-free instalments when the retailer accepts it and you can meet fortnightly payments.
Use Pay Longer for larger purchases requiring longer-term repayment, but note the 7 working day written cancellation window and legal disclosures.
After cancelling
Next steps
- Monitor your Zip account and bank/card statements for applied refunds or outstanding balances.
- Provide any requested evidence promptly to Zip or the retailer to speed resolution.
- If unresolved after Zip’s internal process, consider external dispute options referenced by Zip.
Useful links
Address
Postal address
Zip Co NZ Finance Limited, Level 13, 5 - 7 Byron Avenue, Takapuna, Auckland, New Zealand.
Office level
Use the postal address above for written cancellation notices or postal correspondence related to disputes and repayments.
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FAQ
Important warning regarding service limitations
In the interest of transparency and prevention, it is essential to recall the inherent limitations of any dematerialized sending service, even when timestamped, tracked and certified. Guarantees relate to sending and technical proof, but never to the recipient's behavior, diligence or decisions.
Please note, Postclic cannot:
- guarantee that the recipient receives, opens or becomes aware of your e-mail.
- guarantee that the recipient processes, accepts or executes your request.
- guarantee the accuracy or completeness of content written by the user.
- guarantee the validity of an incorrect or outdated address.
- prevent the recipient from contesting the legal scope of the mail.