How many payments? 4
Will signing up impact your credit score? No
Does Zip Pay charge interest? No.
Minimum and maximum purchase needed to use Zip Pay: No, but if you do not pay the balance on time, you will be charged a fee.
How to Shop Using Zip Pay
- In the app: Search for your preferred store to shop at. When you're ready to check out, select the "pay with zip" option at the bottom of the window. You'll be prompted to set up a "one-time card" to use at the store. Then, the app will continue with the checkout process and detail how much you'll pay for your first of four bi-weekly payments.
- On a store's website: If Zip Pay is available with a website, you might see the Zip Pay logo under items on the site. If you don't see the logo, test the checkout process (with a random item) until you reach the payment screen. Under payment options, Zip Pay will be listed if it's available. After choosing it, you'll be prompted to log in to your account and complete the checkout process, then pay the first of four bi-weekly payments.
Perks of Using Zip Pay
- There isn't a hard credit check with Zip Pay. A soft credit check is run when you apply for an account.
- You can create a digital card (for Apple Wallet or Google Pay) that you can use to break up your payments in-store.