FAQs
About Zip
What is Zip?
Zip allows you to split nearly any purchase into 4 installments over 6 weeks. ¹ Available IN STORE only.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?
Download the Zip app to your mobile device while in-store. Make sure you review the account requirements here.
For existing Zip customers, there’s no need to sign up again.
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.
What if I already have a Zip account?
Welcome back! Existing Zip customers can use the cell phone number associated with your Zip account to log into the app and use Zip in-store.
Is there a limit/minimum amount I can spend with Zip?
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.
How can I check my Zip order or account information?
You can easily manage your account information through the Zip app on your mobile device. In the app you can view your order history (past and current orders), active payment plans, and your estimated spending power.
Payments
When is my first payment due? Your first payment for your purchase is due when you check out. 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 an installment?
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, 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! Each customer has an estimated spending power they can use to make purchases. Your spending power is not an open line of credit. Each transaction is separately reviewed for approval. Existing orders are subtracted from your spending power to show the available spending power you have to make purchases with Zip. For additional details, please go to Zip’s Help Center.
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.
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 go to account information in the Zip app.
For more information about how to change your payment method, please go to Zip’s Help Center.
Refunds
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.
What if I returned my order in-store?
When returning an order or item in-store, you need to return the purchase total to your Zip Virtual 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 Virtual 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 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. The information shown above has been provided by ZIP. If there are any questions, please reach out to the ZIP team.
For 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.