Zip
Zip: An omnichannel BNPL platform for merchants needing flexible repayments and settlement tools. Ranked #4 of 26 in Buy Now, Pay Later Platforms by our editors (9.1/10); pricing: Free plan; best for US, Australian, and NZ merchants.
At a glance
- Editor score9.1 / 10
- PricingFree plan
- Best forUS, Australian, and NZ merchants
- Free planYes
- Checkout channelsOmnichannel
- Founded2013 · Sydney, Australia
- Facts checked19 Sep 2026
Where it wins
- Online, in-store, and in-app checkout support
- Reporting, refunds, payouts, and dispute management
- Plugins, SDK access, APIs, and scheduled settlement
Where it doesn't
- Transactional pricing starts at 5.9% + 30¢ per transaction
- Custom solutions are aimed at enterprise businesses
- Consumer availability centers on the US, Australia, and New Zealand
Our verdict on Zip
Zip provides buy now, pay later payment services for merchants and consumers across online, in-store, and in-app checkout. Its merchant offering suits businesses in the United States, Australia, and New Zealand that need installment payments alongside operational tools for orders, refunds, analytics, statements, payouts, settlement tracking, and disputes. Repayment options include two payments, four biweekly payments, eight payments, and, in Australia, weekly, fortnightly, or monthly schedules. Terms can extend to five years interest-free.
Pricing is transactional rather than subscription-based. Zip offers a free plan, while the Standard plan starts at 5.9% + 30¢ per transaction and includes essential reporting and analytics, platform plugins, developer documentation, and a help center. The Custom plan is designed for enterprise businesses needing tailored solutions, with support for complex checkout integrations, a dedicated account manager, 24/7 support, and SLA options. The public US pricing page lists no monthly or annual fee. Settlement timing varies by merchant and region; Australian documentation describes daily disbursement summaries and funds clearing in up to three business days.
Platform fit is a notable strength for merchants with established commerce infrastructure. Zip supports web, iOS, Android, and API access, with integrations for BigCommerce, Magento 2, Salesforce, Shopify, and WooCommerce. Its Merchant SDK and developer documentation support custom implementation, while Express Checkout and in-store acceptance extend beyond a standard ecommerce payment flow. Choose Zip if omnichannel checkout, flexible repayment schedules, merchant reporting, and dispute workflows are central requirements. Businesses seeking a simple subscription-priced payment tool, or merchants operating outside its listed consumer regions, should consider alternatives.
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Zip pricing
Zip fact sheet
| Free plan | Yes |
|---|---|
| Paid from | Not verified |
| Checkout channels | Omnichannel |
| Repayment terms | 2 payments; 4 biweekly payments; 8 payments; Australia: weekly, fortnightly, or monthly schedules; up to 5 years interest-free terms |
| Merchant platforms | BigCommerce; Magento 2; Salesforce; Shopify; WooCommerce |
| Merchant settlement | Scheduled |
| Consumer regions | United States; Australia; New Zealand |
| Merchant dashboard | Yes |
| Deployment | Cloud, Mobile |
| Platforms | Web, iOS, Android |
| Integrations | 5 integrations: BigCommerce, Magento 2, Salesforce, Shopify, WooCommerce |
| Pricing | Free plan (source) |
| Website | zip.co |
| Facts checked | 19 Sep 2026 |
Zip integrations
Zip lists 5 integrations on its own site.
- BigCommerce
- Magento 2
- Salesforce
- Shopify
- WooCommerce
Alternatives to Zip
- KlarnaA broad omnichannel BNPL option with contract-based pricing and country-dependent availability.9.4
- AffirmA flexible BNPL option for merchants needing online, in-store, and longer-term financing.9.3
- AfterpayAn omnichannel BNPL platform with flexible repayment terms and merchant reporting.9.2
Zip vs the competition
Compare Zip with any tool side by side →
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Featured on iTechGuides
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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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