What Online Stores Accept Zip for Payment?

Zip, formerly known as Quadpay, is a “Buy Now, Pay Later” (BNPL) service, allowing consumers to manage purchases flexibly. It allows immediate acquisition of goods or services by distributing the cost into smaller installments over time. This makes shopping more accessible and budget-friendly. It serves as an alternative to traditional credit, enabling purchases without requiring full payment at the point of sale.

Understanding Zip Payments

Using Zip for online purchases involves a straightforward process. Initially, customers establish a Zip account and link a preferred payment method, typically a debit or credit card, which will be used for automatic repayments. When a purchase is made, the total amount is typically split into four equal installments, with the first payment often due at the time of checkout. The remaining three payments are then scheduled automatically, usually every two weeks, over a six-week period.

While Zip does not charge interest on its standard Pay in 4 plans, it may include an installment fee, which can range from $0 to $7.50 for a typical Pay in 4 plan. This fee is often distributed across the four payments. Missing a scheduled payment can result in late fees, which typically range from $5 to $10, depending on the state of residence. Users can monitor their payment schedules and manage their accounts directly through the Zip app, allowing for early payments or payment method updates.

Discovering Retailers That Accept Zip

To find online stores that accept Zip, the most reliable method is to utilize the official Zip application or website. Both platforms feature a dedicated store directory or search function where users can browse or look up specific retailers that partner with Zip. This integrated tool provides an up-to-date list of participating online merchants.

Another effective approach involves checking retailer websites directly for the Zip logo. This logo is commonly displayed on product pages, within the website’s footer, or as a payment option during the checkout process. Additionally, conducting a direct search engine query, such as “store name + Zip” or “online stores that accept Zip,” can identify retailers. Retailers often promote BNPL services like Zip through their homepages, email newsletters, or dedicated promotions.

Completing Your Purchase with Zip

Once you have identified an online retailer that accepts Zip and have selected your desired items, completing the purchase is an integrated process. Begin by adding the chosen products to your shopping cart and proceeding to the checkout page. During the payment selection step, choose Zip as your preferred payment method.

Upon selecting Zip, you will typically be redirected to the Zip portal or prompted within the checkout flow to log into your existing Zip account. Here, you will review a detailed breakdown of your payment schedule, including the amount due at checkout and the dates for subsequent installments. After confirming the payment plan and agreeing to the terms, the transaction is finalized. For unpartnered merchants, the Zip app can generate a one-time virtual card, the details of which are used in the credit card fields at checkout. You are then redirected back to the merchant’s website for final order confirmation.