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Get paid faster and manage your cashflow

Zip is now available as a payment method powered by Stripe, on Xero’s online invoicing platform, making it easier for you to get paid up front while customers repay over time.

Add Zip to Xero

Harness the power of Zip, powered by Stripe, with Xero Invoices

  • Get paid fast

    You get paid in 2 business days (minus any fees), your customers pay over time with interest free options.123

  • Happy customers

    Give customers flexible repayment options, reducing the chance of late payments.

  • Risk reduced

    We manage the Zip customer credit and fraud risk. Once an eligible transaction is processed - we’ll deal with the rest.

Getting started is fast and easy

How to enable Zip

Add Zip to Xero

What customers see

Customers can sign up and pay with Zip in minutes by selecting Zip as the payment option on Xero invoices.

Frequently Asked Questions

  • No, a new MID will be created specifically for your Xero via Stripe account when you enable Zip.

  • When a customer pays for an eligible transaction using Zip, you receive the full amount (minus merchant service fees) the next day in your Stripe account. Your customer pays Zip back over time.

    We manage the Zip customer credit and fraud risk. Once an eligible Transaction is processed - we’ll deal with the rest.

  • Yes, there are fees for each transaction. Pricing is managed by Xero, please refer to pricing information.

    There are no setup or monthly account costs to enable Zip.

  • Zip offers your customers flexible payment solutions that give customers more time to repay with interest free options.123

    With the Xero and Stripe solution your customers can pay using;

    • Zip Pay is always interest free.1
    • Zip Money offers flexible interest free periods and higher credit limits. The default solution with Stripe and Xero is up to 3 months interest free and credit limits of $5,000. Longer interest free periods can be requested via Stripe Support.3
    • Zip Plus offers customers an interest free account when their balance is under $1,500 at the end of the month or a low interest rate if over.2

    You can reach out via the Stripe Support team to increase up to 36 months interest free.3

  • Higher transaction limits can be requested via Stripe’s support team.

  • Yes. If your customer doesn’t already have a Zip account, they’ll be prompted to sign up - it’s quick and easy.

If you require further assistance please call our team on 02 8294 2212 or email hello@partners.zip.co.

References

  • 1 Zip Pay: Minimum monthly repayments are required. A monthly account fee of $9.95 applies and is subject to change. Pay your closing balance in full by the due date each month and we’ll waive the fee. Available to approved applicants only and subject to completion of satisfactory credit assessment. Other charges may be payable. Fees and charges subject to change. T&Cs apply. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878. Visit zip.co/au/zip-pay to find out more.
  • 2 Zip Plus: Interest accrues daily on the total balance owing at the end of each day. No interest will be charged to your account in a given month if the balance owing at the end of the last day of that calendar month is $1,500 or less. Each day ends at 11:59pm AEST (AEDT during daylight savings). Standard interest rate is 12.95% p.a. T&Cs and credit approval criteria apply. A monthly account fee of $9.95 will apply if the total balance owing is not paid in full by the end of the last day of the calendar month. Interest and other charges may be payable, see T&Cs. Interest, fees and charges subject to change. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878.
  • 3 Zip Money. T&Cs and credit approval criteria apply. A monthly account fee of $9.95 will apply. A one-off establishment fee may apply for new customers. Any balance outstanding at the expiry of the interest free period will be charged at the standard variable interest rate, 25.9% per annum, as at 1 June 2023. Other charges may be payable, see T&Cs. Interest, fees and charges subject to change. Minimum monthly payments are required and vary depending on credit limit. Paying only the minimum monthly repayment may not repay a purchase within the interest free period. Paying the minimum monthly repayment may result in paying off the purchase before the interest free period expires. Credit provided by ZipMoney Payments Pty Ltd (ABN 58 164 440 993), Australian Credit Licence Number 441878.