Split your next purchase into easy installments.
Zip gives you the freedom and flexibility to buy now and pay later.


How it works 

1. At checkout, choose Zip as your payment method.

2. Create your Zip account using a credit or debit card. Your first payment is charged at the time of purchase.

3. Pay the rest in equal installments that are billed automatically over time.


What is Zip? 

With Zip, split your next purchase into easy installments. Credit and debit cards accepted; Visa, Mastercard, Discover, and Amex.


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 mailing 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 checkout, 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.


Is there a limit/minimum amount I can spend with Zip?
The amount you can spend with Zip at checkout varies by merchant.


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.


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, with 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.

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.


How do returns, refunds, and partial refunds work? 

Follow all merchant return and refund information to complete your return. 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, scheduled payments are reduced/canceled first, and then paid installments are refunded to your original payment method.

For more information visit Zip Refunds.