Freedom251 › Buy Now, Pay Later Platforms
Zip
What Zip is
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, paid 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 suits
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 it does well
- 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, paid once.
Limits
Standard costs $5.93 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.
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| Standard | Per transaction · For startups, SMBs, and growing businesses · no monthly or annual fees | $5.93, paid once |
| Custom | Custom pricing · For enterprise businesses needing tailored solutions | On request |
As zip.co lists them, read 30 Sept 2026. The maker's own page has the final word.
Getting started
- Visit Zip's website.
- Choose Standard at $5.93 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.
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.
Questions
How much does Zip cost for merchants?
Standard costs $5.93 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.
Facts from Zip's own pages
- Checkout features
- Online features include Express Checkout, mobile optimization, an in-app mobile SDK, widgets, and pre-qualification. · 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
- 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
- Enterprise support
- The Custom plan offers 24/7 support and SLA options, plus a dedicated account manager. · site.us.zip.co, 30 Sept 2026
- Founded
- 2013 · zip.co, 28 Sept 2026
- Headquarters
- Sydney, Australia · zip.co, 28 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
- Merchant payout
- Zip says merchants get paid upfront while customers pay over time. · 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
- 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 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
- 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
- What it does
- Zip provides buy now, pay later (BNPL) checkout for online shoppers and e-commerce businesses. · zip.co, 30 Sept 2026
Where Zip stands on Freedom251
- Buy Now, Pay Later Platforms#14 of 26