Zip: Australia / US's bnpl
Pay-in-4 BNPL, ANZ-headquartered.
How the Zip flow works
Zip is a bnpl available in Australia / US. Full public profile pending — contact us to prioritise this method.
Typical use cases
- Merchants selling to consumers in Australia / US.
Consumer reach
Available to consumers in Australia / US.
Who should accept Zip
- Merchants targeting the Australia / US market.
Operational detail
The operational half of every method profile — settlement, refunds, disputes, PSP coverage and licensing — is reserved for Payment Methods List founding partners. It's the part vendor sites won't publish and the part that actually decides whether Zip works for your stack.
Settlement time
When Zip advances the full principal to the merchant vs. releases in tranches, how returns and disputes claw back settled funds, currency of payout, and which PSPs front the receivable so you're not exposed to consumer repayment.
Book a founding-partner call →Refund mechanics
How refunds interact with the consumer's installment plan on Zip, whether the schedule pauses, shortens or is cancelled, how partial refunds are apportioned across remaining installments, and the PSP calls that trigger it cleanly.
Book a founding-partner call →Chargeback exposure
How Zip handles buyer disputes when the provider owns the consumer relationship, whether losses fall on the merchant or the BNPL, evidence requirements, and observed dispute rates in high-fraud verticals.
Book a founding-partner call →PSP coverage matrix
Whether Zip is offered natively by acquirers or only through the BNPL's own checkout SDK, effective merchant discount ranges, minimum volumes, vertical restrictions, and the PSPs that unify reporting across cards + BNPL.
Book a founding-partner call →KYC & licensing notes
Which consumer-credit and data-protection regimes Zip operates under in Australia / US, disclosures the merchant must show at checkout, merchant-side KYC requirements, and what changes when the BNPL is the licensed lender vs. a broker.
Book a founding-partner call →