Zip for Business
Installment payment and buy now pay later (BNPL) software
Payment software
- Features
- Ease of use
- Ease of management
- Quality of support
- Affordability
- Market presence
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Pay-as-you-go
Free Trial unavailableFree version unavailable
Small
Medium
Large
- Arts, entertainment, and recreation
- Accommodation and food services
- Retail and wholesale
What is Zip for Business
Zip for Business is a buy now, pay later (BNPL) payment option that merchants can add to checkout to let customers split purchases into installments. It targets ecommerce and in-store retailers that want to offer installment payments while receiving settlement from the BNPL provider. The product typically includes merchant onboarding, payment processing/settlement, and tools to manage transactions and reporting. It is positioned as an alternative payment method alongside cards and other digital payment options.
BNPL option at checkout
Zip for Business adds an installment payment method that can be presented during checkout for eligible customers. This supports use cases where customers prefer paying over time rather than using revolving credit. For merchants, it functions as an additional tender type rather than a full replacement for existing payment processing.
Merchant settlement handled by provider
The BNPL provider manages the consumer repayment schedule and remits funds to the merchant according to its settlement terms. This reduces the operational burden on merchants compared with running their own installment plans. It also centralizes reconciliation around a single BNPL relationship rather than bespoke invoicing workflows.
Supports ecommerce and retail use
Zip for Business is designed for merchant acceptance, which commonly includes online checkout integrations and support for retail point-of-sale scenarios. This helps merchants offer a consistent installment option across channels. It can be deployed as a complementary method alongside other payment methods used in the same environment.
Geographic availability constraints
BNPL offerings are typically limited to specific countries and regulatory environments, and Zip’s merchant availability can vary by market. Merchants operating in multiple regions may need different BNPL providers to cover all geographies. This can increase integration and operational complexity for global rollouts.
Not a full payments stack
Zip for Business primarily addresses installment payments rather than end-to-end payment processing across all tender types. Merchants often still require separate providers for card acquiring, bank debit, wallets, and broader payment orchestration. This can lead to multiple contracts, reporting surfaces, and reconciliation processes.
Fees and policy dependencies
BNPL acceptance typically involves merchant fees and is subject to the provider’s underwriting, dispute, and refund policies. Changes to risk rules or consumer eligibility can affect approval rates and customer experience without merchant control. Merchants must align their returns and customer service processes with the BNPL provider’s requirements.
Plan & Pricing
| Plan | Price | Key features & notes |
|---|---|---|
| Standard | Starting at 5.9% + $0.30 per transaction | For startups, SMBs, and growing businesses. Includes essential reporting & analytics, fast and easy integration with quick launch, standard support (Mon–Fri 9:00 a.m.–5:00 p.m.), access to platform plugins, developer documentation, and Help Center. No monthly or annual fees — transactional model. |
| Custom | Custom pricing (contact sales) | For enterprise businesses needing tailored solutions. Offers integration support for complex checkouts, a dedicated account manager, co-marketing/affiliate/beta testing programs, 24/7 support and SLA options, and custom data & analytics on customer profiles. |
Seller details
Zip Co Limited
Sydney, NSW, Australia
2013
Public
https://zip.co/
https://x.com/zip
https://www.linkedin.com/company/zipco/
