Buy now, pay later
Split your purchase into easy installments with Zip. Zip gives you the freedom and flexibility to buy now and pay later.
Step 1
At checkout choose Zip as your payment method.
Step 2
Create your Zip account. Your first payment is charged at the time of purchase.
Step 3
Pay the rest in equal installments that are billed automatically over time.
FAQs
About
What is Zip?
Zip allows you to split nearly any purchase into 4 or 8 installments over 6 or 14 weeks.
What information does Zip ask for?
Zip requires your legal name, address, date of birth, a US mobile number, and either a US debit or credit card to sign up.
Heads up, Zip requires a mobile phone number and text message verification to log-in, instead of a traditional username and password.
Who can use Zip?
To create a Zip account, you must:
- Live in the US & have a valid US address
- Be at least 18 years old
- Have a valid and verifiable US mobile number
- Use a US credit or debit card to make a purchase.
How do I sign up?
At check out, click Zip as the payment option. This begins the account creation process.
Is there a service fee for using Zip?
Customers may be charged finance charges, late fees, and convenience fees if applicable. For more information on finance charges, please check out Zip’s Help Center.
What is the difference between Pay in 41 and Pay in 8?
Zip offers access to the following payment plans:
- Pay in 4 and Pay in 8. Both plans have a different number of installments, fees and limits on how much can be spent.
- Pay in 4 orders are split into 4 installments over 6 weeks. Fees may be charged based on the order amount.
- Pay in 8 orders are split into 8 installments over 14 weeks. Fees may be charged based on the order amount.
Is there a limit/minimum amount I can spend with Zip?
You can use Zip for purchases of $35 or more. To check your estimated Zip spending power, visit the Zip app. For more information about your spending power, please check our Zip’s Help Center.
How can I check my Zip order or account information?
The best way to manage your order, change a payment date and make a payment is in the Zip app. Alternatively, you can use the customer portal.
Payments
When is my first payment due?
Your first payment for your purchase is due when you check out on a merchant’s website. The remaining payments will be billed automatically over time. You will be able to see your payment schedule prior to completion of your purchase.
Will I be notified before I am charged for a payment?
Yes! Zip notifies customers with reminders three days and one day before each payment is due, by SMS and email. Access the Zip app to see your payment due dates or update your payment method.
Can I make payments early?
Of course. If you want to make a payment, log into the Zip app or customer portal, select the orders tab and choose the payment you want to make early. For more information about how to make an early payment, please go to Zip’s Help Center.
Can I have multiple payments/orders at once with Zip?
Yes! It's possible to have multiple Zip orders at once. You can manage your payments across multiple orders in the Zip app or customer portal.
What if I have trouble paying?
Your payments are set to debit automatically on their due dates, but if you are having trouble paying you can potentially request a payment date change. Find out how in Zip’s help center.
If your payment method becomes invalid or expires or is unable to be processed, you may be charged a late fee. For more information on late fees, please go to Zip’s Help Center. To avoid late fees, update your payment information in the app or customer portal.
How do I update my payment method (including existing orders)?
All payments for your order will debit from the payment method you used to check out with initially. For example, for a $335 purchase, you’d make four $85.25 payments every two weeks starting today for a 31.11% annual percentage rate and a total of payments of $341. A $6 installment fee is charged at commencement - you pay $1.50 of this fee as a prepaid finance charge when you make your initial payment today. The remaining $4.50 is included in your future payments. Actual installment fees vary and can range from $0 to $7.50 depending on the purchase price and Zip product used. Actual amount of fee for your purchase will be reflected in checkout. Estimation of installment payment and annual percentage rate excludes potential tax and shipping costs. Zip Pay Anywhere and Zip Checkout financing through Zip issued by WebBank. All loans are subject to credit approval.
If you need to change your payment method for future payments on an order, you can do so in the Zip app or customer portal.
For more information about how to change your payment method, please go to Zip’s Help Center.
When am I charged for my Pay in 8 order?
At the point of purchase you’ll pay 12.5% of your order total. The remaining 7 payments will be due respectively every two weeks thereafter over the next 14 weeks. Heads up we only charge your card on file when the merchant confirms your order.
Refunds
How do returns, refunds, and partial refunds work?
Follow all merchant return and refund information to complete your return.
In the event of a full refund, when Zip is notified of the return/refund by the merchant, Zip cancels all future payments and your account will be adjusted to reflect the amount paid to date.
"In the event of a partial refund, the credits will be applied to the outstanding installment payments, starting with the last scheduled payment and working backwards. If any balance remains after all outstanding payments are adjusted, the difference will be credited back to the customer's payment method."
For more information on timing, visit Zip Refunds.
For additional questions visit the Zip Help Center.
*Loans through the Zip checkout are originated by WebBank. All loans are subject to credit approval.
Loans to California residents, other than loans through the Zip App, Zip checkout, and Zip Card, are made or arranged pursuant to California Lenders Law license.
For example, for a $335 purchase, you’d make four $85.25 payments every two weeks starting today for a 31.11% annual percentage rate and a total of payments of $341. A $6 installment fee is charged at commencement - you pay $1.50 of this fee as a prepaid finance charge when you make your initial payment today. The remaining $4.50 is included in your future payments. Actual installment fees vary and can range from $0 to $7.50 depending on the purchase price and Zip product used. Actual amount of fee for your purchase will be reflected in checkout. Estimation of installment payment and annual percentage rate excludes potential tax and shipping costs. Zip Pay Anywhere and Zip Checkout financing through Zip issued by WebBank. All loans are subject to credit approval.
Each transaction is separately reviewed for approval. For additional details, please see the terms and conditions. ²For a $400 purchase, you'd make eight $52.25 payments every two weeks starting today for a 33.22% annual percentage rate and a total of payments of $418. An $18 installment fee is charged at commencement - you pay $2.25 of this fee as a prepaid finance charge when you make your initial payment today. The remaining $15.75 is included in your future payments. Installment fees start at $8 per order and will vary by purchase price. Actual amount of fee for your purchase will be reflected in checkout. Estimation of installment payment and annual percentage rate excludes potential tax and shipping costs.