zip stores bnpl buy now pay later

Buy Now and Pay Later at Zip Stores


In today’s society, we are constantly being bombarded with advertisements telling us to buy this or that. It can be hard to resist the temptation of instant gratification, especially when we see something that we really want. But what if there was a way to have our cake and eat it too? With Zip stores, you can! And the best part is, there’s no interest or fees! All you need is a Zip account. Let’s take a closer look at how it works.

What is Zip?

Zip (previously known as Quadpay) is a new kind of payment method that gives you the flexibility to buy what you want now and pay for it over time by splitting any purchase into 4 installments over 6 weeks. Zip is also know as “Zip Money” and/or “Zip Pay”. There’s no interest, so it’s a great way to manage your finances. 

How Zip Does It Work?

It’s easy! Just download the Zip app to get started. You’ll be instantly approved to shop with zero interest, no hidden fees or fine print. Plus there is no impact on your credit score. After you link your credit or debit card, you’ll be ready to make a purchase.

Is There A Catch?

No, there’s no catch! Zip is a totally safe and secure way to shop. Plus, if you ever need help, their friendly customer service team is always happy to assist you. There is a small $1 convenience fee per installment, but that’s it. 


We already know that Zip is a “buy now pay later” (BNPL) service that allows you to shop now and finance your purchase, interest-free! That means that you can get the items you want right away and spread the cost over a period of time that suits you, without having to pay any extra in interest. But there are more benefits…

  • You can buy what you want now and pay for it later.
  • There are no interest charges.
  • You have up to 6 weeks to pay off your purchase.
  • There is no impact on your credit score.
  • You can use Zip at over 1,000 online stores.
  • Zip customer support is available 24/7.

What Stores Accept Zip At Checkout?

Although you can use Zip at any store that accepts Visa for payment (keep reading to see how to get a virtual one-time-use card number), below is a list of stores that we personally recommend with an option to pay with Zip at checkout to buy now, pay later by making payments. Simply click “Check out with ZIP”.

checkout with zip

List of Zip Stores

Zip Virtual Visa Card

Zip’s virtual card allows you to shop anywhere that Visa is accepted whether it’s online or in-store. To generate a virtual card, go to your Zip app, select the “in-store” tab and enter your total purchase amount requested. Confirm the amount and payment method. Add to your Apple Wallet or Google Pay and then pay with your wallet to complete the purchase. 

Zip FAQs

Here are some additional frequently asked questions about this popular financing option.

Is Zip and Quadpay the same?

Zip and Quadpay were previously separate companies, but in 2020 they joined forces and are now one. So yes, they are now the same thing. 

Does Zip own Quadpay?

Zip acquired Quadpay, so the two companies merged and just go by Zip now.  

Does Quadpay have a new name?

Since being acquired, Quadpay became a part of Zip and goes by Zip. 

How do I use Zip BNPL?

Once you’ve signed up for a Zip account, you can use Zip at any of their partner stores. At checkout, simply click the “Check out with ZIP” button. Or you can use Zip’s virtual Visa card which we discussed previously in this article. 

Will using Zip affect my credit score?

No – using Zip will not impact your credit score in any way.

How much does Zip cost?

There is a $1 convenience fee per installment payment which is minimal compared to buying on normal credit.  

What is the maximum amount I can spend with Zip?

The maximum amount you can spend will depend on your individual circumstances. When you sign up for a Zip account, we’ll conduct a quick assessment to determine your credit limit.

What is the minimum amount I can spend with Zip?

The minimum spend about to finance with Zip is $35.

Can I use Zip more than once?

Yes! You can use Zip as many times as you like if you haven’t hit your credit limit. 

What if I change my mind about a Zip purchase?

If you change your mind about a purchase, you can return the item in accordance with the store’s returns policy. Please note that you will still be required to make repayments on any items that you have already received.

How do I contact Zip?

If you have any further questions, their customer support team is available 24/7 via live chat or you can call them at 888-274-3159.

Zip BNPL Alternatives

If you or your business do not qualify for Zip financing, we recommend the following buy now pay later financing providers. Click the corresponding BNPL option to see which stores accept that method. 


If you’re looking for a way to shop now and pay later without accruing any extra interest charges, then look no further than Zip! With Zip, you can sign up for an account and then choose the “check out with Zip” option at checkout when making your next purchase. Once approved, you’ll have up to 6 weeks to pay off your purchase in interest-free installments. So why not give Zip a try today? You might just find that it’s exactly what you’ve been looking for to buy now and pay later. 

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