Zip
Zip provides buy now, pay later checkout for online shoppers and e-commerce businesses.
What Zip is
Zip provides buy now, pay later checkout for online shoppers and e-commerce businesses. Merchants can accept payments online, in stores, and in apps, while Zip says merchants receive payment upfront and customers pay over time. Online checkout options include Express Checkout, mobile optimization, an in-app mobile SDK, widgets, and pre-qualification. Merchant integrations include no-code, low-code, and app plugins, virtual card options, and a custom API; Shopify and WooCommerce are listed as no-code options. The customer app supports four installments over six weeks, with automatic payments every two weeks from a linked debit or credit card. Zip's Standard merchant plan lists reporting and analytics, quick-launch integration, platform plugins, developer documentation, and a help center. Standard support is available Monday to Friday, 9:00 a.m. to 5:00 p.m.; Custom includes 24/7 support, SLA options, and a dedicated account manager. Standard costs $5.93 per transaction, with no monthly or annual fee. Zip operates in the US, Australia, and New Zealand; purchases are limited to the US and subject to transaction approval and other restrictions.
Good
- Merchants can accept payments across three channels
- Offers no-code, low-code, plugins, and API integrations
- Standard has no monthly or annual fee
- Custom plan includes 24/7 support and SLA options
Watch out
- Standard costs $5.93 per transaction
- Purchases are limited to the US
- Each transaction is separately reviewed for approval
Who it suits
Zip suits e-commerce businesses seeking buy now, pay later checkout across online, in-store, or in-app channels. Shoppers considering it should note that each transaction is reviewed and purchases are limited to the US.
Verdict
Zip combines merchant checkout options with installment payments for customers. Check the transaction fee, US purchase restriction, and approval conditions before choosing it.
Plans and prices
From Zip's own pricing page, checked 30 Sep 2026.
| Plan | Price | What it gives you |
|---|---|---|
| Standard | $5.93, paid once | For startups, SMBs, and growing businesses · no monthly or annual fees · Per transaction |
| Custom | Priced on request | For enterprise businesses needing tailored solutions · Custom pricing |
The facts
Each one read from Zip's own pages, with the date it was checked.
What it does
- Checkout features
- Online features include Express Checkout, mobile optimization, an in-app mobile SDK, widgets, and pre-qualification.checked 30 Sep 2026
- Eligibility and restrictions
- Zip says each transaction is separately reviewed for approval and that Zip may be used only for U.S. purchases, with certain merchant, product, goods, and service restrictions.checked 30 Sep 2026
- Enterprise support
- The Custom plan offers 24/7 support and SLA options, plus a dedicated account manager.checked 30 Sep 2026
- Integrations
- Zip offers no-code, low-code, and app plugin integrations, virtual card options, and a custom API; its documentation names Shopify and WooCommerce as no-code platform options.checked 30 Sep 2026
- Merchant payout
- Zip says merchants get paid upfront while customers pay over time.checked 30 Sep 2026
- Payment channels
- Merchants can accept Zip payments online, in-store, and in-app.checked 30 Sep 2026
- Security
- Zip states that its merchant plans include SOC 2 Type 2 and PCI DSS compliance and fraud protection.checked 30 Sep 2026
- Standard support
- Standard plan support is available Monday to Friday, 9:00 a.m. to 5:00 p.m.checked 30 Sep 2026
- What it does
- Zip provides buy now, pay later (BNPL) checkout for online shoppers and e-commerce businesses.checked 30 Sep 2026
The company
- Company and markets
- Zip says it was founded in Australia in 2013 and operates in Australia and New Zealand and the US.checked 30 Sep 2026
- Founded
- 2013checked 28 Sep 2026
- Headquarters
- Sydney, Australiachecked 28 Sep 2026
Where it runs
- Customer app
- Zip's app supports four installments over six weeks, with automatic payments every two weeks from a linked debit or credit card.checked 30 Sep 2026
- Customer app platforms
- Zip's customer app page directs users to download the app and describes adding its virtual card to Apple Wallet or Google Pay; the page does not name specific phone operating systems.checked 30 Sep 2026
Money
- Standard plan features
- The Standard plan lists essential reporting and analytics, fast integration with quick launch, and access to platform plugins, developer documentation, and a help center.checked 30 Sep 2026
