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| Who | How it works | Fees and limits |
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| zipMoney | - zipMoney is a line of credit for larger purchases, generally valuing $1,000 or more.
- Customers enjoy a guaranteed 3 months interest-free period for all purchases, but the interest-free period may be extended up to 36 months by some retailers. (The interest-free period can vary by merchant and is confirmed with the user at the time of their purchase.)
- zipMoney repayments start from as little as $40/month, but are dependant on the credit limit. Repayments can be made monthly, fortnightly, or weekly. Customers can also made additional repayments at any time.
| Customers: - Small establishment fee based on credit limit, which zipMoney will confirm at time of application and contract.
- $4.95 monthly account fee while there is an outstanding balance.
- Limit of $1,000 - $20,000 (subject to credit check and depending on what is offered by the merchant).
Merchants:
- Merchants pay a flat % fee per transaction.
- No setup fees, no monthly charges.
- Merchant service fee varies depending on trading volume and the length of the interest-free period .offered (for example, offering 6 months interest-free costs you less than offering 12 months).
- Minimum annual turnover of $500,000.
- Minimum trading history of 12 months.
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| zipPay | - zipPay is an online shopping wallet of up to $1,000, always interest-free.
- First 60 days incur no fees.
- zipPay repayments start from as little as $40/month, and be made monthly, fortnightly, or weekly. Customers can also made additional repayments at any time.
- Funds are available for the customer to use across one transaction or many.
| Customers: - Monthly account fee of $5 accrues if there is money owing at the start of the month.
- Limit of either $250, $500, or $1,000 per customer (determined by zipPay).
Merchants:
- Merchants pay a flat (%) fee per transaction.
- No setup fees, no monthly charges.
- Merchant service fee varies depending on trading volume (contact zipPay for further details).
- No lock-in contracts.
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| Afterpay | - Afterpay offers fee-free, interest-free credit for purchases
- Repayments are made over 4 equal, fortnightly installments
| Customers: - No fees are charged to shoppers, aside from late fees for missed repayments.
- No set credit limit. The amount a customer can spend is increased over time by Afterpay, once successful repayments have been demonstrated.
Merchants: - Merchants pay a fee (4-6%) per transaction.
- The percentage is set by Afterpay and is based on order volume and value. The more you sell through Afterpay, at increased value, the lower your % fee will be.
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- In the CMS, navigate to Settings → Feature Settings.
- Edit the Buy Now, Pay Later feature.
- Use the dropdown menu to select the prodvider you'll be using.
- Select the Mode:
- Disabled - not in use
- Sandbox - for testing on your stage site
- Production - for the live site
- Enter your Merchant IDs and Secret Keys in the relevant fields (Production / Sandbox).
Toggle 
Image Added
- Set the following options on / off as required:
- Event Logging - toggle this ON (recommended)
- Auto-Integrate Pending Orders (zipMoney & Afterpay only) - integrates orders to the ERP prior to receiving a response from the payment provider.
- Display Buy Now, Pay Later content in Product Detail page - toggle on / off as required.
- For If Afterpay, Save and Exit. For If zipMoney and / zipPay, continue on.
- Disable Further Checkout Attempts with Provider for an Order if Declined - toggle on / off as required.
- Min Price of Products to Show Content - if showing Buy Now Pay Later on the product detail page, the product price must meet this minimum value.
- Max Price of Products to Show Content - if showing Buy Now Pay Later on the product detail page, the product price must fall below this value.
- Min Order Total to be Available - the order total must meet this minimum amount in order for Buy Now Pay Later to be offered at checkout.
- Max Order Total to be Avaialble - the order total must fall below this value in order for Buy Now Pay Later to be offered at checkout.
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For example, you may wish to display the zipPay info content on the Product Detail page for B2C users, but not B2B. In this case, you could set an override.
- Select the 'Overrides' icon next to the setting you want to affect.
Image Added - A popup will open, with your current Global setting displayed at the bottom. Click Add Override Setting in the Role Overrides section.
Image Added - Enter the role name into the lookup and select the role from the options presented.
Image Added - Set the role override value for this setting.
Image Added - Repeat steps 2-4 if you wish to override the global behaviour for other roles.
- Click Confirm to close the window.
- Don't forget to click Save on the feature settings page to save changes!