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Zip Information

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.

FAQs:

About Zip

Zip allows you to split nearly any purchase into 4 installments over 6 weeks.1

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.

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

When shopping online: At check out, click Zip as the payment option. This begins the account creation process. 

When shopping in-store: Download the Zip app to your mobile device while in-store.

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.

Welcome back! Existing Zip customers can use the cell phone number associated with your Zip account to log into the app.

The amount you can spend with Zip at checkout varies by merchant.

If you’re using the Zip app to shop in-store, 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 out Zip’s Help Center.

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

Your first payment for your purchase is due when you check out on a merchant’s website or in-store with the Zip app. The remaining payments will be billed automatically over time. ou will be able to see your payment schedule prior to completion of your purchase.

Yes! Zip notifies customers with reminders three days and one day before each payment is due, by S S and email. Access the Zip app to see your payment due dates or update your payment method.

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.

Yes! It s possible to have multiple Zip orders at once. ou can manage your payments across multiple orders in the Zip app or customer portal.

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 app 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

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.

Refunds

As soon as Zip is notified of the return, customers are refunded the amount they’ve paid to date and Zip cancels all future installments. In the event of a partial refund, scheduled installments are reduced canceled first, and then paid installments are refunded to your original payment method.

For more information visit Zip Refund

When returning an order or item in-store, you need to return the purchase total to your Zip irtual Card. To do so, open the Zip app and tap orders at the bottom of your screen.

Next, select the order or order that contains the item you are returning, choose details on the top right. This will open the card information needed by the store associate to refund back to your original form of payment. 

Please note Zip CANNOT PROCESS A REFUND if the merchant issues the refund amount to any other form of payment outside of Zip. Zip can only process refunds issued to the Zip irtual Card used for an order. If a merchant issues a refund to another form of payment, you will still be responsible for paying off your order and making the remaining payments. For more information about refunds, check out Zip’s Help Center.  

For additional questions visit Zip’s Help Center.

*Loans through the Zip checkout are originated by WebBank, except for Zip-originated loans in CO, NV, MA, and MD.

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.

1For 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, except for Zip-originated loans in CO, NV, MA, and MD. All loans are subject to credit approval.

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