What Stores Accept Zip and How to Use It for Purchases

Zip, a “buy now, pay later” (BNPL) service, allows consumers to acquire goods immediately and spread the cost over time. It divides purchases into several interest-free installments, making larger expenditures more manageable. The first payment is generally due at the time of purchase, with subsequent payments automatically scheduled over a defined period. This structure provides a flexible alternative to traditional credit, enabling budget management without immediate full payment.

Finding Online Retailers That Accept Zip

Discovering online retailers that accept Zip often begins with the Zip application or website. Both platforms feature a merchant directory or store locator, allowing users to identify partnered e-commerce sites. This resource provides a curated list of businesses where Zip is an integrated payment option.

When shopping directly on a retailer’s website, look for the Zip logo or “Pay with Zip” option during checkout. This payment choice is typically displayed alongside other accepted methods. Many online stores partner with BNPL services, offering this flexibility to their customers.

Using Zip in Physical Store Locations

Utilizing Zip for purchases at brick-and-mortar stores involves using the Zip mobile application. Within the app, you can find a feature that helps locate nearby physical stores where Zip is accepted. This functionality assists shoppers in planning their visits to compatible retail establishments.

Once at a participating store, the Zip app allows for the generation of a single-use virtual card. This virtual card is created for the intended transaction amount. You will need to enter the planned spending amount into the app to authorize the funds for this card.

The generated virtual card can then be added to mobile wallets such as Apple Pay or Google Pay. This enables contactless “tap-to-pay” functionality at the point-of-sale terminal. If a merchant’s system does not support mobile wallet payments, the virtual card details, including the card number, expiration date, and security code, are accessible within the Zip app for manual entry.

Completing Your Purchase with Zip

Completing an online purchase with Zip involves selecting it as your payment method during checkout. After choosing Zip, you will be prompted to log into your existing account or create a new one. The system will present a clear breakdown of the payment installments, allowing you to review the schedule and terms before finalizing the transaction.

For in-store purchases, the process leverages the virtual card generated in the Zip app. After loading the estimated purchase amount onto this one-time virtual card, you can use it by tapping your mobile device at a contactless payment terminal via Apple Pay or Google Pay, or by manually entering the card details provided in the app if tap-to-pay is not available. This action completes the payment at the point of sale.

The first installment of your purchase is typically due immediately at the time of the transaction, usually representing 25% of the total purchase amount. The remaining three installments are automatically deducted from your linked debit or credit card, generally on a bi-weekly basis over a six-week period.

While Zip offers interest-free installments, some purchases may include a small installment fee, which can vary depending on the transaction. This fee is typically spread across your payments. To establish an account, you will need to provide basic personal information, including your name, address, date of birth, a U.S. mobile number, and link a valid U.S. debit or credit card for repayments.