Zip provides buy now, pay later checkout for online shoppers and e-commerce businesses. Merchants can accept payments online, in-store and in-app, and Zip says they receive payment upfront while customers pay over time. Online checkout tools include Express Checkout, mobile optimization, an in-app mobile SDK, widgets and pre-qualification. Merchants can connect through no-code, low-code and app plugins, virtual card options or a custom API; Shopify and WooCommerce are named 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. The Standard merchant plan includes reporting and analytics, quick-launch integration, platform plugins, developer documentation and a help center. Standard costs 5.93 USD per once, billed per transaction, with no monthly or annual fees. Zip was founded in Australia in 2013 and operates in Australia, New Zealand and the US. Its stated purchase eligibility is limited to US purchases, and each transaction is separately reviewed for approval.
Who it is for
Zip suits e-commerce businesses looking to offer buy now, pay later checkout online, in-store or in-app. Its customer app is for shoppers using four installments over six weeks; stated purchase eligibility is limited to the US.
What is good
- Accepts payments online, in-store and in-app.
- Merchants receive payment upfront.
- Integrations include Shopify and WooCommerce options.
- Standard includes reporting and analytics.
- Custom offers 24/7 support and SLA options.
What to know first
- Purchases are limited to the US.
- Each transaction requires separate approval.
- Standard support is weekdays, 9 a.m. to 5 p.m.
- Standard costs 5.93 USD per once.
Verdict
Zip offers merchants multiple checkout channels and integration routes, alongside an app with scheduled installments for customers. Review the US purchase restriction and transaction-by-transaction approval before relying on it for shoppers.
Get started with Zip
- Visit Zip's website.
- Choose Standard at 5.93 USD per transaction or contact Zip about Custom pricing.
- Select a merchant integration route, such as a platform plugin, no-code or low-code integration, or custom API.
- For a no-code setup, consider the listed Shopify or WooCommerce options.
- Shoppers can download the Zip app and link a debit or credit card.
Limits to know first
Standard costs 5.93 USD per transaction, with no monthly or annual fee. Purchases are limited to the United States, each transaction requires separate approval, and certain merchants, products, goods, and services are restricted.
Questions about Zip
How much does Zip cost for merchants?
Standard costs 5.93 USD per transaction and has no monthly or annual fees. Custom uses tailored pricing.
Does Zip have a free plan?
Zip lists a free plan.
Which checkout channels can merchants use?
Merchants can accept Zip payments online, in-store, and in-app.
Which merchant platforms are listed?
The listed merchant platforms are BigCommerce, Magento 2, Salesforce, Shopify, and WooCommerce.
How does repayment work in the customer app?
The app supports four installments over six weeks, with automatic payments every two weeks from a linked debit or credit card.
Where can Zip be used?
Zip says it operates in the United States, Australia, and New Zealand, but purchases are limited to the United States and subject to approval and other restrictions.
Zip plans and pricing
All plansCompared on buy now, pay later platforms
- Free plan
- Yes
- Checkout channels
- omnichannel
- Repayment terms
- 2 payments; 4 biweekly payments; 8 payments; Australia: weekly, fortnightly, or monthly schedules; up to 5 years interest-free terms
- Merchant platforms
- BigCommerce; Magento 2; Salesforce; Shopify; WooCommerce
- Merchant settlement
- scheduled
- Consumer regions
- United States; Australia; New Zealand
- Merchant dashboard
- Yes
