Ride Now, Pay Later
With new online and in-store electronic payment systems offering customers greater convenience and simplicity, at Bikes Online Australia we can now offer you even more flexibility when it comes to purchasing your new Bicycle. We now have the option to pay in small sums rather than one big lump sum, giving you more time to save up for your dream bike.
We offer 2 different instalment methods: PayPal - Pay in 4 and ZipMoney. Simple and convenient online or in-store payment options that let you buy now and pay later. You can find detailed information on each option below.
Please note we cannot reserve stock and do not accept part payment of orders via credit card, PayPal or direct deposit. Payments made via these methods must be paid in full. We also do not offer a layby service.
PAYPAL - PAY IN 4
About Pay in 4
PayPal Pay in 4 is available for eligible purchases of $30-$1,500.
Offer availability may depend on the merchant.
PayPal Pay in 4 is interest free with no late fees.
When you apply, PayPal may run a credit check to determine your eligibility.
PayPal don’t charge late fees, but late or missed payments could affect your PayPal account and credit score.
You must live in Australia, have an Australian PayPal account, and be of legal age in Australia to use Pay in 4.
We’re offering Pay in 4 to a growing number of our Australian customers. You must be an AU resident and have a PayPal account in good standing or open a PayPal account to apply.
Pay in 4 is not available for certain merchants and goods. If you choose Pay in 4 as your payment method when you check out with PayPal, you will be taken through the application process. You’ll get a decision instantly but not everyone may be approved based on our internal checks.
How can I pay with Pay in 4?
Just choose to pay with PayPal when you shop online and if it’s an eligible transaction, you’ll see Pay in 4 as one of the available payment methods. Simply apply for a Pay in 4 plan in just a few steps, get an instant decision, and finish checking out.
Can I split payments between PayPal Pay in 4 and another method?
No, split payments are not accepted when one of the two methods involves PayPal Pay in 4. For example part payments via credit card, gift voucher or direct deposit cannot be paired with PayPal Pay in 4.
What purchase amounts qualify for Pay in 4?
You can use Pay in 4 for eligible shopping cart values between $30 to $1,500 AUD.
How will my Pay in 4 transaction appear within my PayPal Account?
Every Pay in 4 transaction will appear in your activity feed for the full purchase amount under the merchant’s name as a “purchase” within your PayPal activity. This is to reflect the initial total purchase and is not reflective of the Pay in 4 instalment plan or any payments made by your specific payment method. PayPal pays the merchant upfront for the transaction and spreads that cost over 6 weeks automatically withdrawing funds from your PayPal account based on the payment schedule agreed in your Pay in 4 Contract. The first instalment and subsequent instalments each will be reflected as a separate transaction in your PayPal activity and represents the actual repayments made.
Can I still apply for a refund if I used Pay in 4?
Yes, you can still apply for a refund for your purchase when you use Pay in 4. If you return some or all your items according to your legal rights and/or the refund policy of the merchant, you may get a partial or full refund. Partial refunds will lower the amount that you owe for the Pay in 4 repayments you have left. Any refund issued more than the outstanding loan amount will be paid to your PayPal Balance.
What are the terms and conditions for my Pay in 4 plan?
You must read the Pay in 4 Contract for any Pay in 4 plan before you submit your application. You will see the link to the Contract when you choose to apply for Pay in 4 at checkout. You will also have the option to download the Contract.
Once your plan starts, we will send you an email containing important information about your Pay in 4 plan, including how to locate your Contract.
Are there any fees associated with Pay in 4?
There are no fees for choosing to pay with Pay in 4.
How long will my Pay in 4 plan last?
Your individual plan will last a little over 6 weeks in total. The first payment will be due at the time of the transaction and 3 subsequent payments will be taken every 2 weeks thereafter.
Where can I pay with Pay in 4?
Pay in 4 is available to use at selected merchants where PayPal is accepted. Transactions can be made in all currencies that PayPal supports, not just AUD. For transactions not in AUD, PayPal will automatically convert the transaction amount to AUD at checkout before providing you with your Pay in 4 plan. Currency conversion charges will apply as set out in your PayPal User Agreement.
For more information please visit the PayPal Terms and Conditions
To be eligible to use zipMoney you must?
Must be over 18 years of age
Must be an Australian citizen or a resident
Must be employed in some capacity
How to use zipMoney
Apply and get a decision in minutes
ZipMoney pays Bikeses Online Australia today
You pay zipMoney in monthly payments
How do I get started?
Click ‘Apply Now’ and complete the easy 3 minute application. You'll be surprised at how simple the process is.
Once approved and you accept the terms and conditions, zipMoney will pay Bikes Online Australia on your behalf.
What else do I need to know?
Although zipMoney's interest free plan allows you to shop today without paying anything upfront - it is a loan and must be paid back. Failure to do so could affect your future credit rating.
ZipMoney's payment plans are interest free for up to 12 months, but please be aware that interest will start to accrue after the interest free period. You can see your interest free balance, how long it is estimated to take to repay the loan and change your payment schedule in your digital wallet.
What are the benefits?
You can buy the goods you want today and pay nothing upfront. By paying with your zipMoney account, you can split the cost of your purchase and pay over time. zipMoney even pays Bikes Online on your behalf no money ever changes hands.
You're also provided with a virtual account so for your next purchase, all you need to do is sign-in to your digital wallet, confirm and pay. There's no more need to use your credit card or seek a loan elsewhere. It's simple and easy to use.
Can I split payments between ZipMoney and another method?
No, split payment are not accepted when on of the two methods involves ZipMoney. For example part payments via credit card, gift voucher or direct deposit cannot be paired with ZipMoney.
What are the fees?
No deposit, so nothing to pay today
A one off establishment fee may apply. Don't worry this is added to your interest free balance. Please see your application and contract for details. Minimum monthly payments apply. See your contract and application for details.
An interest free period of up to 12 months, after which interest will accrue at the standard annual percentage rate. A small monthly admin fee of $7.95 (only payable if a balance is owing). Please refer to your contract, terms and conditions for further information.
Terms and Conditions
Available to approved applicants only. Minimum monthly repayments are required, see your contract for details. Paying only the minimum monthly repayment amount will not pay out the purchase within the interest free period. Any balance outstanding at the expiry of the interest free period will be charged interest at the standard annual percentage rate, currently 23.9%%. A one off establishment fee applies, see your contract for details. A Monthly Account Service Fee of $7.95 (when balance owing) applies. Terms & Conditions apply and are available on application. Credit provided by zipMoney Payments Pty Limited (ABN 58 164 440 993, Australian Credit Licence Number 441878). Visit www.zipmoney.com.au to learn more about zipMoney.
Where can I find out more?
Customer service: 02 8294 2345