A simpler way to build your business

The buy now, pay later solution for your customers, with no sign-up fees and full payments up front for your business.

Watch your
sales grow

Increase sales
Our Zip partners experience up to 30% growth in sales, up to 70% increase in order value and up to 80% increase in repurchase rate.
Daily Settlement
Say hello to transparent calculations and daily settlements straight into your bank account.
No Fraud Risk
We take all the risk, both credit and fraud. Once a transaction is approved, you’re guaranteed the payment - we’ll deal with the rest.
Simple and Ethical Pricing
Our pricing is transparent and pay as you go with no setup fees, no minimums and no lock-in contracts.

growth in sales


increase in order value


increase in repurchase rate

You're in good company

Trusted by 1,300+ partners, from different industries - big and small, accepting seamless Zip payments.
Once accepted, you'll be onboarded by a Zip Partner Manager and have access to our partner marketing and resources.

Getting started

Step one

Apply in minutes

Apply online and get feedback on your application within two business days

Step two


Add Zip to your payment platform for free, using an easy step by step guide for POS and e-commerce. Our integrations team will be there to support you each step of the way

Step three

Start accepting Zip

We pay you directly to your bank account via EFT each day

Loved by 250,000+ Kiwis



In app


We are committed to provide clear and transparent pricing.
No hidden fees and no platform or management fees.

Free integration

Whether your business is online or instore, there's usually no cost for your business to add Zip as a payment solution on supported platforms.

Know your merchant fees

You will be charged a merchant fee on successful transactions only, which will be discussed on application based on your unique business situation.

Know your transaction fees

Pay only your agreed rate. As your Zip transactions increase, your agreed rate can be renegotiated to scale with you.

No setup fees

Get started for free. It will cost you nothing to sign up and receive a Zip account for your business.

No lock in contract

Try it out for free, there is no lock-in contract. See if it works for you and your business.

No minimums

There are no disruptive minimums on payments if you don't want them. This means even more flexibility.

Frequently Asked Questions

Here are some FAQs when applying to become a Zip Partner

How do I know if my business is eligible?

When applying to become a Zip partner, you’ll be assessed on criteria such as length of trading time, total annual sales and be GST registered in New Zealand. The application takes just a few minutes and you’ll find out if your business is eligible within 48 hours once application is submitted. Apply now

What do I need to have ready before I apply?

Your details:

Personal details, such as name, contact number and email address.

Business details:

  • Total annual sales average.
  • Website URL and e-commerce and/or POS platform.
  • Main business address and business contact number.

All relevant business information to help us determine whether the business is eligible.


Director details:

Director’s name, address and contact details. A form of ID such as a Driver Licence or Passport will be needed to verify identity and confirm association with the business.

This Zip Partner application form is for New Zealand businesses only. If you’re based in Australia, please visit zip.co and if you’re based in UK please visit zip.co/uk for more information.

What are the fees?

There are no set up costs, ongoing fees or lock in contracts. Merchant service fees are charged per transaction and is generated dependent on the assessment of your business. You’ll find out your merchant service fee on approval, after you’ve submitted your application. It’s free to sign up and give Zip a go for your business.

Can I use Zip in my physical store or just online?

You can accept Zip both online through our eCommerce integration, or in a physical store using our Zip In-Store Terminal. You can accept both, or just one! To inquire about Zip, complete our application form on our Merchant Section.

When do I get paid?

You will get the full purchase amount less our agreed Merchant Fee paid into your allocated bank account the business day following the purchase.

What happens if a customer doesn't cover their future instalments?

Part of the Zip service is that as part of your Merchant Fee we take all credit risk so you will always be paid the full purchase amount less our agreed fee the following business day. If a customer misses an instalment in the future, this is 100% on us to recover from them, but in the vast majority of cases, our customers pay their instalments on time.

Are there any other transaction fees charged to accept Zip?

Generally not. The only exception to this may be if you are using a low-cost Shopify account which charges additional fees on all payment providers. We have no control over these fees.

Do I have to commit to a fixed term to accept Zip?

No. We have no fixed term commitment as we 100% believe in our product and we’re confident that once you start accepting Zip, you will want to stay working with us without needing a contract. If you ever feel Zip isn’t working for you, you can remove the integration at any time.

Integration made easy

Zip supports many leading online and POS payment platforms. So whether your business is online, instore or both - get up and running, and processing payments with ease.

Supported e-commerce platforms
Supported POS platforms


The Meat Box

"Increasing key metrics is important to us, as it is for any ecommerce merchant, and average order value is something we wanted to improve. Zip helped us do that."

Moda Bella

"Zip is quick and credit can be given instantly. People seem happy that this service is available and I think at times they spend more than what they initially intended to."

Aurum Hairstylists

"The best benefit is that it is extremely easy to upsell customers home care and add on services - people are spending more willingly as they are excited to be able to afford to keep their hair looking amazing for the full 6 weeks. The upsell opportunity by far makes it worth it for such a small fee (just a little more than a regular credit card payment.) "

Ready to accept more payments?

Merchant Resources

We work with our partners to build mutually beneficial partnerships. Check out our Resources section for current Zip merchants to optimise the Zip customer experience.

Read our Best Practice Marketing (BPM) and Best Practice Integration (BPI) guides to increase Zip sales, order value and repeat transactions at your online or physical store.