Zip.co

Tap, split, walk away

Got approved in the app in minutes and added the Zip card to Apple Pay. Most checkouts worked; one gas station declined. Four splits posted smoothly and reminders were polite.

Flexible, with a few hiccups

Using the virtual Visa feels seamless in-store. I feel reassured by instant notifications, but refunds during returns can lag a week. Manageable.

Late fee question resolved

Messaged about a pending late fee after my card changed. Agent responded within an hour, explained grace timing, and reversed the charge once I paid. Professional and calm.

Installments that kept me sane

Splitting a big appliance purchase into four felt manageable. I felt in control because fees were transparent and the timeline was clear. Push reminders helped.

Smooth sign up and pay

Applied in the app, got a limit in under 2 minutes, and used it in-store via the virtual card. The schedule view makes budgeting feel doable. Tiny learning curve finding the reschedule option, but reminders kept me on track and I paid early.

Installments without the drama

Used it for a flight and paid it off early. Felt empowered, not trapped. Fees were transparent from the start.

Predictable payments kept tidy

Installments auto-charged on payday made budgeting feel controlled. Alerts are timely and friendly, not naggy.

Sign up in five minutes

Downloaded the app, verified ID, and got a modest limit. Using it in-store was as simple as tapping my card. No confusion.

Easy checkout integration

As a merchant, we installed the plugin, tested sandbox orders, and went live in a day. Installment messaging on PDPs lifted conversion. Settlements arrived on schedule and refunds synced back cleanly. Support shared best practices for disclosures.

Discovering Zip was a huge relief!!!

Discovering Zip was a huge relief!!! On a fixed income, being able to make purchases and split payments is a real blessing!!! No credit needed and no minimum credit score needed. No applications to process! And no interest charges! I won’t use credit cards! Basically, you can spend your money on what you want without worry.

I was accepted by this service when I didn't think

I was accepted by this service when I didn't think I would be since Klarna and Affirm aren't very helpful. This service is super handy and useful, especially after covering my rent. I'm glad that I can save a bit of money while still having fun shopping.

Zip is great for installment payments

Zip is great for installment payments without interest or other fees. I often use it for groceries. When my cash is low and groceries go on sale, Zip helps me save big on my bill.

Zip made it much easier to make my purchase

Zip made it much easier to make my purchase of shoes from famous footwear. Easy to pick at checkout and use this affordabel way to replace much needed shoes. Thank you very much!

I've always had a good experience with Zip

I've always had a good experience with Zip. They always cover my purchases with amazing payments that I can afford. I don't have to worry about talking to anybody or waiting for approval because I know in advance what I have available by using the app.

Zip has been a game-changer for me!

Zip has been a game-changer for me! As someone with less-than-perfect credit, I've struggled to make larger purchases without facing excessive fees. But Zip's easy-to-use platform has made it all possible. It's incredibly convenient and has saved me from the hassle of hard inquiries and credit checks. I'm excited about the service and highly recommend it to anyone looking for a stress-free way to manage their purchases. Thank you, Zip!