Side by side
Billie vs Zip
Both stand on buy now, pay later platforms. Which one you can start free with, which one lets you read the code, and what each costs once you pay.
Paid AndroidiPhoneWeb
Billie combines merchant payment options with buyer-selected terms and upfront merchant payment. Confirm the pricing and terms for the specific payment product, channel, and region you plan to use.
Visit Billie
Free plan AndroidAPIExtension+2
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.
Visit ZipThe facts
| Billie | Zip | |
|---|---|---|
| Free plan | Not published | Yes |
| Open source | Not published | Not published |
| Runs on | Android, iPhone, Web | Android, API, Extension, iPhone, Web |
| Lowest paid plan | Free or on request | See the plans |
| Plans published | 2 | 2 |
| Maker | Not published | Not published |
| Website | billie.io | zip.co |
| On buy now, pay later platforms | #18 of 26 | #14 of 26 |
Billie: what it does well
- Supports online, telesales, and in-person sales.
- Merchants are paid upfront.
- Offers repayment terms from 7 to 120 days.
- Connects through APIs, SDKs, plugins, and platforms.
- Billie cards have no monthly fee or interest.
What to know first
- Business payment pricing is available on request.
- Cards charge a 1% foreign-currency transaction fee.
- Buyer-facing pay-later terms begin at 30 days.
- Billie card terms allow up to 45 days to pay.
Zip: 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.