Zip
Ranked in Buy Now, Pay Later Platforms
About
Zip provides buy now, pay later checkout for shoppers and e-commerce businesses. Merchants can accept Zip payments online, in-store, and in-app; Zip says merchants receive payment upfront while customers pay over time. Online checkout options include Express Checkout, mobile optimization, an in-app mobile SDK, widgets, and pre-qualification. Integration choices include no-code, low-code, and app plugins, virtual card options, and 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 lists reporting and analytics, quick-launch integration, platform plugins, developer documentation, and a help center. Standard costs 5.93 USD per transaction, with no monthly or annual fee. Standard support is available Monday to Friday, 9:00 a.m. to 5:00 p.m.; Custom offers 24/7 support and SLA options plus a dedicated account manager. Zip operates in the US, Australia, and New Zealand, but says purchases may be made only in the US and each transaction is reviewed for approval, with other restrictions applying.
Who it is for
Zip suits online, in-store, and in-app merchants seeking BNPL checkout and integration options ranging from plugins to a custom API. The listed Standard plan is for startups, SMBs, and growing businesses; Custom is aimed at enterprise businesses needing tailored solutions.
What is good
- Supports online, in-store, and in-app payments.
- Offers plugins, virtual card options, and a custom API.
- Standard has no monthly or annual fees.
- Custom offers 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 multiple merchant checkout channels with integration options from plugins to a custom API. Merchants should account for the per-transaction Standard price and the stated US purchase restriction and approval review.
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
Company
- Founded
- 2013zip.co · 28 Sept 2026
- Headquarters
- Sydney, Australiazip.co · 28 Sept 2026
Best Zip alternatives
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Where it ranks on Inferse
Sources
- zip.co/us/for-business/online· checked 30 Sept 2026
- site.us.zip.co/us/for-business/pricing· checked 30 Sept 2026
- docs.us.zip.co/docs/introduction· checked 30 Sept 2026
- site.us.zip.co/us/app· checked 30 Sept 2026
- zip.co/about-us· checked 30 Sept 2026
- zip.co· checked 28 Sept 2026