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Zip Features and Benefits
Zip.co is a leading digital financial services company that provides fair and seamless solutions to simplify how people pay. Here are some of the key features and benefits:
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Buy Now Pay Later: This payment platform enables users to split their online orders into 4 equal installment payments. Users pay 25% at checkout, and then 25% every two weeks, paying the order off over a period of 6 weeks.
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Zip Pay and Zip Money: Zip offers customers two great ways to pay. Zip Pay is for everyday spending up to $1,000. Zip Money is for larger purchases over $1,000. These allow customers to buy the things they love today and pay for them over time.
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Interest-Free Period: Zip Pay is interest-free. Zip Money offers a minimum of 3 months interest-free.
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Flexible Repayments: Repayments for a Zip account are flexible and convenient. Users can pick the repayment type that suits them.
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Online and Instore Shopping: Users can shop online and in-store with Zip.
Please note that these details are subject to change and it's always best to check the official website for the most up-to-date information.
Zip Pricing
Zip.co offers a Buy Now Pay Later service. Users can split nearly any purchase into 4 installments over 6 weeks.
For Zip Pay, the costs are as follows:
- Limits $350
- $9.95 monthly account fee
- If the minimum payment each month (or the remaining balance if less) is not paid, a late fee of $5 for Zip Pay will be charged 21 days after the contractual due date.
For Zip Money, there may be a one-off Establishment Fee depending on the credit limit applied for. This fee will be communicated in the Zip Money contract and will be applied to the account upon completion of the first purchase. There is also a Monthly Account Fee.
Please note that these details are subject to change and it's always best to check the official website for the most up-to-date information.
Payment Method
Zip.co accepts the following payment methods:
- Debit cards (attached to bank accounts, including Venmo debit cards)
- Credit cards (as long as they are not pre-paid)
- Visa, MasterCard™, Discover, American Express ® are accepted
- Apple Pay can only be used to pay for active installments on your Zip orders. It cannot be used to make an initial purchase.
Payment methods that are not accepted include:
- Pre-paid or reloadable credit/debit cards
- PayPal ®
- Venmo
- Cash App Card
- ACH bank transfers (Direct Debit)
- Money orders, cash or cash equivalents.
Remember, Zip.co can be used anywhere Visa is accepted. It allows you to split nearly any purchase into 4 installments over 6 weeks.
Zip FAQs
Zip Alternatives
Here are the top 10 alternatives to Zip.co:
Each of these platforms offers unique features and benefits, so it's important to research each one to determine which is the best fit for individual needs. They all provide flexible payment options, allowing customers to split their purchases into smaller, more manageable payments. However, the terms and conditions, interest rates, and fees may vary between each platform. Always read the fine print before signing up for any buy now, pay later service.
How To Open A Zip Account?
To open an account on Zip.co, follow these steps:
- Download the Zip App or sign up during the checkout process on any of Zip's Exclusive Partner's websites.
- Select Zip as the payment method and follow the prompts.
- Provide personal information including name, address, date of birth, and other information that will allow Zip to identify you.
- A valid and verifiable mobile number is required.
- Use a US credit or debit card to make a purchase.
- A Social Security Number is needed.
- Provide a valid US mailing address. Note that APO, FPO, AE PO or PO Box addresses are not accepted.
Remember, to use Zip, one must live in the US and be at least 18 years old.
Zip Return Policy?
Zip.co does not determine the return policy. The return policy is determined by each individual merchant. To start a return, reach out to the merchant from whom the original purchase was made. They can kickstart the return and refund process.
If the merchant notifies Zip of a refund, the Zip payment plan will be updated within 13 days of receiving notification from the merchant. This is Zip’s standard refund timeline and cannot be sped up. Refunds may take longer with some merchants, but will never exceed 21 days.
If an order didn’t arrive or was damaged, it is recommended to reach out to the merchant directly. The merchant's contact information can usually be found in the “Contact Us” section of their website.
Once a return is made, it can take a few days after the merchant has received the return, for them to process the return and issue the refund back to Zip. This is especially true when the order has been returned by mail, rather than making an in-store return.
A merchant may decide to issue a refund in the form of a gift card or store credit, instead of refunding the Zip Virtual Card. If a gift card or store credit is received as a refund, the remaining Zip installments are still due.
No need to contact Zip about the return. If the merchant issues the refund back to the Zip Virtual Card, the refund will automatically process through Zip’s system within 13 days of Zip receiving notification from the merchant. This is Zip’s standard refund window and cannot be sped up. If for any reason this refund does not process automatically during this time, it is recommended to reach out so the issue can be resolved. Refunds may take longer with some merchants, but will never exceed 21 days.
If a return is wished to be reported to Zip, the Report a Return button in the Zip app can be used to inform Zip that part (or all) of the order has been returned to the merchant.
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