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Zip review

Freemium#4 of 26 in Buy Now, Pay Later Platforms

An omnichannel BNPL platform for merchants needing flexible repayments and settlement tools.

9.1/10Editor score
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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026

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.

Zip pros and cons

  • 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

Zip fact sheet, pricing and score →

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