Zip

C tier on Buy Now, Pay Later PlatformsScore 6.5· #21of 26

Android app: Yes
Runs on: Android, api, Browser extension, iOS, Web

zip.co

Summary

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 USD 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.

Who it is for

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.

What is 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

What to know first

Standard costs 5.93 USD per transaction
Purchases are limited to the US
Each transaction is separately reviewed for approval

Verdict

Zip combines merchant checkout options with installment payments for customers. Check the transaction fee, US purchase restriction, and approval conditions before choosing it.

Zip plans and pricing

All plans

Standard $5.93 once Per transaction For startups, SMBs, and growing businesses · no monthly or annual fees site.us.zip.co · 30 Sept 2026

Custom Custom pricing For enterprise businesses needing tailored solutions site.us.zip.co · 30 Sept 2026

Compared on buy now, pay later platforms

Free plan: Yeszip.co
Checkout channels: omnichannelzip.co
Repayment terms: 2 payments; 4 biweekly payments; 8 payments; Australia: weekly, fortnightly, or monthly schedules; up to 5 years interest-free termszip.co
Merchant platforms: BigCommerce; Magento 2; Salesforce; Shopify; WooCommercezip.co
Merchant settlement: scheduledzip.co
Consumer regions: United States; Australia; New Zealandzip.co
Merchant dashboard: Yeszip.co

Facts

What it does: Zip provides buy now, pay later (BNPL) checkout for online shoppers and e-commerce businesses.zip.co · 30 Sept 2026
Merchant payout: Zip says merchants get paid upfront while customers pay over time.zip.co · 30 Sept 2026
Checkout features: Online features include Express Checkout, mobile optimization, an in-app mobile SDK, widgets, and pre-qualification.zip.co · 30 Sept 2026
Payment channels: Merchants can accept Zip payments online, in-store, and in-app.site.us.zip.co · 30 Sept 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.docs.us.zip.co · 30 Sept 2026
Security: Zip states that its merchant plans include SOC 2 Type 2 and PCI DSS compliance and fraud protection.site.us.zip.co · 30 Sept 2026
Standard support: Standard plan support is available Monday to Friday, 9:00 a.m. to 5:00 p.m.site.us.zip.co · 30 Sept 2026
Enterprise support: The Custom plan offers 24/7 support and SLA options, plus a dedicated account manager.site.us.zip.co · 30 Sept 2026
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.site.us.zip.co · 30 Sept 2026
Customer app: Zip's app supports four installments over six weeks, with automatic payments every two weeks from a linked debit or credit card.site.us.zip.co · 30 Sept 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.site.us.zip.co · 30 Sept 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.site.us.zip.co · 30 Sept 2026
Company and markets: Zip says it was founded in Australia in 2013 and operates in Australia and New Zealand and the US.zip.co · 30 Sept 2026