How it works:

Apply for ZeroPay by following the quick and easy steps during checkout with instant approval.

Approval takes about 1 minute. No documents are required. And you get your order right away.  

Payments work as follows: 

• 1st payment: Immediately.
• 2nd payment: End of the month.
• 3rd payment: End of the next month.

For more information, contact 087 2100 336 or hello@zeropay.co.za 

Visit www.zeropay.co.za for all the answers you need.

Here are a few to help you get started:

1. How do I apply?

2. What are the qualifying criteria?
You need to be between the ages of 18 and 65, earn a minimum of R5 000 a month and be a responsible credit user (we check your credit record).
3. How long does the application process take?
If you qualify, your approval is instant as soon as the application has been completed! We recommend that you do the application before you go shopping, just to ensure you’re ready to go.
4. What is my spend limit?
You will be approved for a spend limit based on your application at approval and you will be able to spend once if you’re a first timer. This spend limit is customised to each shopper and is based on a few factors, including your payment behaviour.
6. How is the monthly instalment calculated?
Depending on the amount you spend and your spend limit, your instalments are split in 3 x, Zero fee, Zero interest payments. If you spend below your spend limit, you will pay 3 x equal payments. If you spend above your spend limit, your approved spend limit is split in 3 x payments and the excess amount is paid with the 1st instalment.
7. Are payments really interest free?
Yes - it’s in our name! You will pay Zero fees and Zero interest (only if you pay on time).
8. How do I shop online?
Select ZeroPay at checkout! If you’re a first timer, you will be able to complete your account profile during the check-out process. Zero hassles! If you’re an existing ZeroPay shopper, simply check your details and complete your order on check-out.
9. How do I pay for my account?
You will load your chosen card details onto your ZeroPay account - Debit, Cheque or Credit card (all Visa and Mastercard’s accepted). 
10. What happens if I cancel my shopping order?
Once your order has been cancelled, the merchant will request for the amount to be refunded on ZeroPay after which ZeroPay will refund you directly into your back account. Don’t stress, this can take some time, but we will work to get it back to you soonest!