ZipPay vs ZipMoney

[DELTAprime]

Hey so Premium Collectibles uses ZipPay https://zippay.com.au/ as well as some other retailers I've used. But some places use another product from the same company called ZipMoney https://zipmoney.com.au/. Can anyone explain the difference between the two and why my account for ZipPay doesn't work with ZipMoney?

[prjkt]

My place of work has just started using ZipMoney

I think the main difference from what I can tell is that there's no setup fee for ZipPay, but there is for ZipMoney, yet ZipMoney potentially has a higher credit limit, and the retailer can set the "interest free" term (after which interest applies of course)