Terms & Conditions

Thanks for visiting our website and considering the use of our services and products. This page sets out the terms and conditions that apply to our provision of our products and services and sets out the agreement between you and us when you sign up for a Zip account and use our products and services (“Agreement”). The Agreement includes the instalment plan that you enter into when you make a purchase using our products and services, described in more detail in section 2 below (“Instalment Plan”). Please read the Agreement carefully.

By clicking to accept these terms and conditions you agree to the terms of the Agreement. Please note that these terms and conditions may change from time to time and you should always check this page every time you use our products and services. Please note that the version of these terms and conditions that applied at the time you used our products and services to make a purchase (and entered into an Instalment Plan with us) will apply to that particular Instalment Plan.

We care about your privacy. For information about how we use your personal information, please see our Privacy Policy.


We or us

Zip Co Finance Ltd, trading as Zip


The customer


2.1 Our Agreement is made up of these terms and conditions and your Instalment Plan.

What's your Instalment Plan?

This is the fortnightly payment plan in respect of a transaction with a Zip partner retailer, showing the amounts you owe us (including any default fees) and payment due dates. You can find this on our platforms.

What's our platform?

These are the platforms developed by us where you submit your details (e.g. your card details) and can find information on your instalment plan.

2.2 The Agreement will continue until you’ve repaid everything you owe us and your Zip account has been closed.


3.1 If we need to get in touch with you, we’ll either call or text your mobile number or use the email address you’ve provided. You must tell us if your details change.

3.2 You can contact us by submitting a contact form or by post at Zip Co Finance UK Ltd, 82 St. John Street, London, EC1M 4JN, UK.


(a) Setting up your account

4.1 You’ll need to have an account and register a card to pay with Zip. Every time you add a card to your account, we’ll pre-authorise your account to check it’s valid. Once it’s been successfully added to your account, we’ll ask your bank to release the pre-authorisation.

What does pre-authorise mean?

This means we place a hold on an amount on your card to check you have funds available to pay it.

NOTE: We can’t control the time it takes your bank to cancel a pre-authorisation on your card. This usually takes less than an hour but it may be longer depending on the bank and whether it’s a weekend or public holiday.

4.2 For individual transactions to pay with Zip with Zip partner retailers, you will apply for a new and separate Instalment Plan each time. If we approve your application, each time you enter into a new Instalment Plan through our platform, you’ll enter into a new Agreement with us.

We explain how applications work at paragraph 5.1 below.

4.3 For purchases with some retailers, you will see the option to apply to pay with Zip at the checkout. For others, you will have to access the option to pay with Zip by choosing a retailer and making your purchase through the Zip app.

(b) Your agreement with the retailer

4.4 The products or services you’ve purchased are subject to a separate agreement between you and the retailer. We aren’t responsible for any goods or services you purchase using our platform e.g. for their quality or availability.

4.5 You must contact the retailer directly if any issues arise with a product or service, including where you need to return goods you’ve purchased. Any returns are subject to the retailer’s returns policy.

4.6 Nothing in this agreement limits your rights under relevant UK consumer protection legislation, including the Consumer Rights Act 2015.

(c) Paying with Zip

How payments will be made

4.7 When we accept your application for credit on our platform, we’ll pay the retailer for the products or services you’re purchasing. This means you’ll owe us, not the retailer. We’ll charge to your card the:

  • initial 25% instalment at the checkout; and
  • remainder as set out in your Instalment Plan (including any default fees).

4.8 You must pay us the amounts set out in your Instalment Plan on the payment due date. The Instalment Plan will cover the price for the products or services. We don’t add any charges for credit. However, if you’re late with any payment, we’ll charge default fees as follows:

What are the default fees?

£6 when you miss each payment (capped at £18).

4.9 You must continue to make payments under your Instalment Plan even where there’s an issue with the purchase you’ve made e.g. you haven’t received an item or you have an ongoing dispute with a retailer about your purchase.

When we’ll take payments

4.10 The information below explains when we’ll try to take a payment from your card:

If we haven’t been able to take a payment then we will try again:

  • 3 days after the due date
  • And if we still weren’t able to, 7 days after the due date
  • Then on an ad hoc basis until the payment is successfully taken.

When will we take payment for the default fee for a missed payment?

  • 3 days after the due date
  • And if we weren’t able to, in accordance with the schedule above.

4.11 If you’ve registered more than one card and we can’t take a payment from the card you’ve asked us to take your Instalment Plan payments from, we’ll take payments from another card on your account. It is your responsibility to ensure that there are sufficient funds in the account linked to your payment card to be able to pay your instalments.

What happens if you miss a payment?

It’s important that you have enough money available on your card to make the payments set out in your instalment plan. If you’re having difficulty making payments you must contact us.

4.12 If you don’t make a payment on time, we’ll charge default fees and may notify a credit reference agency. This could make it more difficult to obtain credit in future.

4.13 We may waive or defer payment of a default fee for one or more Instalment Plan payments but if we do, you’ll still owe us any payments due under your Instalment Plan, including any default fees for other Instalment Plan payments.

4.14 You’ll be responsible for any fees your bank may charge you if we take, or attempt to take, a payment from your card when there are no funds available.

4.15 We may appoint a third party collection agency to collect the amounts you owe us. You may be responsible for the reasonable costs of our collection agents, including our reasonable legal costs.

4.16 You must not set off or make any other deduction from a payment due under an Instalment Plan for any reason including if you have a dispute or issue with the retailer in relation to your purchase.

Can you repay early?

4.17 You can repay all or part of what you owe us early by logging into our customer portal and selecting Pay Now.

4.18 If you repay part of what you owe us early but you still owe us money, you must continue to make payments under your Instalment Plan.


4.19 Once you’ve entered into your Instalment Plan, we can’t cancel or amend it unless the retailer formally requests us to e.g. where they tell us you require a refund. If they do, we’ll automatically amend your Instalment Plan and refund any Instalment Plan payments you’ve already made to your card, if required. We’ll apply refunds first to the last outstanding instalment of the relevant Instalment Plan and work backwards.

4.20 Refunds can take between 5 – 10 business days but the timings will depend on your bank.

Your right to cancel

4.21 You can cancel your Agreement with us and settle any remaining Instalment Plans by submitting a contact form or by post at Zip Co Finance UK Ltd, 82 St. John Street, London, EC1M 4JN, UK.

What’s a business day?

A business day is usually Monday to Friday (excluding public holidays).


5.1 We aren’t required to give you access to our platform or provide you with credit. You will apply to enter into a new Instalment Plan for individual transactions with Zip partner retailers. Each time you apply to enter into an Instalment Plan, we’ll take many different factors into account such as your repayment history and any funding constraints that may exist. This means that we may not give you credit in future when we did in the past and we won’t always give you a detailed explanation as to why.


6.1 You confirm that:

  1. you’re over the age of 18;
  2. you have a current UK address;
  3. you have authority to use a UK debit or credit card; and
  4. the information you’ve given us is accurate and not misleading.

Keeping your account secure

6.2 You must keep your account details, password and in-store code safe and secure and not share them with anyone else. You’ll be responsible for any unauthorised use of your account, or instore code, including any orders placed, unless we’ve been negligent or caused the security breach.

6.3 You must contact us immediately if you suspect your account may have been used by an unauthorised third party or there is any other suspected fraudulent activity.


7.1 Our Privacy Policy explains how we use your information and sets out your rights to your information. You can find this at https://zip.co/uk/privacy-policy.

8. VAT

8.1 We don’t apply VAT separately to the value of the goods or services you’ve purchased.


9.1 You can’t transfer any of your rights and obligations under this agreement without our consent.

9.2 We can transfer all of our rights and obligations under this agreement to a third party without your consent.


10.1 Except where the law says otherwise, our liability to you for any claims arising out of or in connection with this Agreement will be limited to the total value of the Instalment Plans.

10.2 Neither of us will have any liability for any indirect, consequential or economic loss.


If you have a complaint about our services, please contact us:


12.1 If we decide not to enforce any of these terms or our rights when we’re entitled to, we don’t waive our right to take that action (even in similar circumstances) e.g. if we don’t charge a fee when we normally would, we’re entitled to charge this to you or ensure that we charge it going forward, unless previously agreed in writing otherwise.

12.2 This Agreement represents the entire agreement between us.

12.3 If any provision of this Agreement is found to be invalid, illegal or unenforceable, then that provision will be treated as though it were not included in the Agreement but the other terms will remain in full force and effect.


What laws will govern the agreement? What courts will have non-exclusive jurisdiction?

  • English law
  • Courts of England and Wales (however, if you are resident in Northern Ireland or Scotland you may also bring proceedings in Northern Ireland or Scotland, as applicable to you).

Terms for Adding Your Zip Virtual Card to a Third-Party Wallet

These Terms for Adding Your Zip Virtual Card to Third-Party Wallet (the “Terms”) apply when you choose to add your Zip virtual Visa credit card (“Zip Card”) to any mobile payment and digital wallet service, such as Apple Pay or Google Pay (a “Third-Party Wallet”, and the provider the Third-Party Wallet, a “Third-Party Wallet Provider”). These terms are supplementary to the Zip Customer Agreement (the “Customer Agreement”) that governs your use of the Services, which can be accessed at https://zip.co/uk/terms-conditions.

In these Terms, “you” and “your” refer to the authorized user of the Zip Card and associated Zip user account, who is designated by Zip to use the Zip Card on Zip’s behalf; “Zip” refers to Zip Co Payments UK Ltd & Zip Co Finance UK Ltd, 82 St John Street, London EC1m 4JN, UK; and “we,” “us,” and “our” refer to Zip. Terms used but not defined herein have the meanings given to them in the Customer Agreement.



1. Adding Your Zip Card.

1.1. You can add the Zip Card that we have indicated is eligible to the Third-Party Wallet by following the instructions of the Third-Party Wallet provider. If your Zip Card or the underlying Zip account is not in good standing, then your Zip Card will not be eligible to enrol in the Third-Party Wallet or may be removed without notice. When you add a Zip Card to the Third-Party Wallet, the Third-Party Wallet allows you to use the Zip Card to enter into transactions where the Third-Party Wallet is accepted. The Third-Party Wallet may not be accepted at all places where your Zip Card is accepted.

2. Terms that Apply

2.2. The terms of service for your Zip account and/or your Zip Card do not change when you add your Zip Card to the Third-Party Wallet and these Terms do not amend or supersede such agreements. You understand that the Third-Party Wallet simply provides another way for you to make purchases with the Zip Card and that your existing agreements or terms of service with Zip may provide for limitations and restrictions which might impact your use of the Third-Party Wallet, and you agree to be solely responsible for all such limitations and restrictions.

2.3. We do not charge you any additional fees for adding your Zip Card to the Third-Party Wallet or specifically for using your Zip Card through the Third-Party Wallet service. However, the Third-Party Wallet Provider and other third parties, such as wireless companies or data service providers, may charge you fees (for example, your mobile service carrier may impose data usage or text message charges for your use of or interaction with the Third-Party Wallet).

3. Consents

3.1. You consent to the Third-Party Wallet to access your Zip Account information and make payments on your behalf. The Third-Party Provider must be authorized by the relevant National Competent Authority (such as the Financial Conduct Authority in the United Kingdom).

3.2. You acknowledge that you have carefully reviewed the privacy policy of the Third-Party Wallet Provider and have managed your choices, where applicable, in relation to the use that the Third-Party Provider may make of your personal information on their platform. In doing so, where You have authorised (by way of a written and informed consent, e.g. opt-in, prior to any data being shared with the Third-Party Wallet Provider) the Third-Party Wallet to access your Zip Account, we may disclose to them information about your Zip Account, its balance and other information related to your use of Zip Services, in order to enable the Third-Party Wallet to access and make payments from your Zip Card. We are not responsible for the Third-Party Wallet’s use of your Zip Card or Account or any information they obtain in relation to your Zip Account. Granting consent to the Third-Party Wallet does not release you from your undertakings and liabilities under these Terms. They remain fully binding on you.

4. We are Not Responsible for the Third-Party Wallet

4.1. We are not the provider of the Third-Party Wallet, and we are not responsible for providing the Third-Party Wallet service to you. We are only responsible for supplying information securely to the Third-Party Wallet Provider to allow usage of the Zip Card in the Third-Party Wallet. We are not responsible for any failure of the Third-Party Wallet, or the inability to use the Third-Party Wallet for any transaction. We are not responsible for the performance or non-performance of the Third-Party Wallet Provider or any other third parties regarding any agreement you enter into with the Third-Party Wallet Provider or any other relationship you may have with any third party that may impact your use of the Third-Party Wallet.

4.2. You expressly acknowledge and agree that the use of any third-party wallet is your responsibility . To the fullest extent permitted by applicable law, any third-party wallet is provided to you “as is” and “as available”, with all defects that may exist from time to time and without warranty of any kind, and we hereby disclaim all warranties and conditions with respect to any third-party wallet, either express, implied or statutory, including, but not limited to, the implied warranties or conditions of merchantability, satisfactory quality, fitness for a particular purpose, accuracy, quiet enjoyment, and non-infringement of third party rights. We also do not warrant against interference with your enjoyment of any third-party wallet, or that the functions contained in, or services performed or provided by, a third-party wallet will meet your requirements, that the operation or availability of a third-party wallet will be uninterrupted or error-free, or that defects in a third-party wallet will be corrected. No oral or written information or advice given by us, any of our authorized representatives or any third party shall create any warranty.

5. Contacting You Electronically and by Email

5.1. We may need to provide you with electronic communications and disclosures in connection with your use of the Zip Card and the Third-Party Wallet and we will do so in accordance with applicable data protection laws. You acknowledge that You have carefully reviewed the privacy policy of the Third-Party Wallet Provider and where you have separately and explicitly consented to Third-Party Wallet Provider providing you with similar electronic communications and disclosures in connection with your use of the Zip Card and the Third-Party Wallet, the Third-Party Wallet Provider may send you such communications and disclosures.

6. Suspension and Removal of a Zip Card from Third-Party Wallet

6.1. We reserve the right to discontinue offering or supporting any or all Third-Party Wallets for any reason and we can block a Zip Card in a Third-Party Wallet from purchases at any time. Unauthorized use of a Third-Party Wallet, including, but not limited to, unauthorized entry into Zip’s systems, misuse of passwords or misuse of any other information, is strictly prohibited and will result in suspension and/or termination of your use of the Third-Party Wallet.

6.2. You may not use a Third-Party Wallet in any manner that could damage, disable, overburden, or impair the Third-Party Wallet service or the Services, we may block, restrict, suspend or terminate your use of the Third-Party Wallet at any time without notice and for any reason, including if you violate these Terms or any other agreements with us, except as otherwise required by applicable law.

6.3. You agree that we will not be liable to you or any third party for any suspension, cancellation or termination of your use of any Third-Party Wallet. You should contact the Third-Party Wallet Provider on how to remove a Zip Card from its service.

7. Governing Law and Disputes

7.1. This agreement and any dispute or claim (including non-contractual disputes or claims) arising out of or in connection with it or its subject matter or formation shall be governed by and construed in accordance with the law of England and Wales. Disputes arising out of or relating to these Terms will be subject to any dispute resolution procedures in the Zip Customer Agreement.

8. Ending or Changing these Terms; Assignments

8.1. We can terminate these Terms at any time. We can also change these Terms, or add or delete any items in these Terms, at any time.

8.2. We will provide notice if required by law and will indicate that changes to these Terms have been made by updating the date indicated after “last modified:” at the end of these Terms.

8.3. You cannot change these terms, but you can terminate these Terms at any time by removing all Zip Cards assigned to you from all Third-Party Wallets. If you do not accept any revisions made to these Terms, your sole and exclusive remedy is to cancel your use of and delete any Zip Cards from all Third-Party Wallets.

8.4. We can also assign these Terms; you may not assign these Terms.

9. Privacy

Your privacy and the security of your information are important to us.

9.1. Our Privacy Policy forms part of these Terms. By accepting these Terms, you also acknowledge that you have carefully reviewed the Privacy Policy available on our website at https://zip.co/uk/privacy-policy.

9.2. We will only share your information with a Third-Party Wallet Provider, any payment network, and others in order to provide the services you have requested, to make information available to you about your Zip Card transactions, and to improve our ability to offer these services in accordance with the terms of our Privacy Policy and in accordance with applicable data protection laws. This information helps us to add your Zip Card to the Third-Party Wallet and to maintain the services.

9.3. You acknowledge that you have carefully reviewed the privacy policy of the Third-Party Wallet Provider and have managed your choices, where applicable, in relation to the use that the Third-Party Wallet Provider may make of your personal information on their platform. The personal information you provide when loading your Zip Card into the Third-Party Wallet will be shared with the Third-Party Wallet Provider as necessary to provide the services to you. When you use the Zip Card within the Third-Party Wallet, transaction information will be shared with us and the Third-Party Wallet Provider.

9.4. You acknowledge that:

  • when speaking to members of our Customer Support, conversations may be monitored and/or recorded for quality assurance, security and/or fraud detection purposes as indicated in a prompt at the outset of the call to that effect;
  • for fraud and security purposes, we keep your records even after your Zip account is closed in accordance with the storage limitation principle under applicable data protection laws and to the extent permitted by applicable laws; and
  • for identity validation and verification purposes, we may make the following information available to authorised third parties with which you transact with using your Zip Card as necessary to fulfil such purposes:(i) your first and last name; (ii) Zip Account information; (iii) legal jurisdiction; (iv) address; (v) phone number; (vi) email address; and/or (vii) IP address.

10. Security.

10.1. You are solely responsible for maintaining the confidentiality of your passwords, login ID, and any other credentials or means that you may use from time to time have to access the Third-Party Wallet application. If you share these credentials with any other person, they may be able to use your Zip Card(s) added to Third-Party Wallet and get access to your personal and payment information available through the Third-Party Wallet services.

10.2. You should keep your supported Third-Party Wallet device and these credentials secure in the same manner as you would keep your cash, checks, credit cards, and other personal identification numbers and passwords secure. For example, you must do all you reasonably can to:

  1. not leave the device you use to access the Third-Party Wallet unattended; use appropriate security on devices such as passcodes, passwords, fingerprint recognition and other unlock methods;
  2. ensure you only register your own fingerprints and not anyone else’s, if fingerprint recognition is available on your device;
  3. keep your log-in details such as user ID, passwords, passcodes and any other means you have of accessing your devices or the information stored on them confidential;
  4. use the Third-Party Wallet in accordance with all the terms and conditions notified to you; and
  5. delete all your personal and financial information from you old device if you stop using it, for example, if you get a replacement device.

10.3. Contact Zip immediately at https://help.gb.zip.co/hc/en-gb if you believe your supported Third-Party Wallet or your credentials have been lost or stolen or someone has used or may use your supported Third-Party Wallet device or your credentials without your authorization. Also change your credentials immediately to avoid any unauthorized use of Third-Party Wallet or of your personal information. If you get a new supported Third-Party Wallet device, please be sure to delete all your Zip Cards and other personal information from your prior supported Third-Party Wallet device.

10.4. The Third-Party Wallet Provider may contemplate certain security features and procedures to protect against unauthorized use of any of your Zip Card(s) in the Third-Party Wallet. These features and procedures are the sole responsibility of the Third-Party Wallet Provider. You agree not to disable any of these security features and to use these security features and procedures to safeguard all your Zip Cards added to Third-Party Wallets.

11. Indemnification.

11.1. By accessing any third-party wallet, you agree to indemnify, defend and hold us, our affiliates, and third party providing any product, services, or benefit in connection with the cards, including Stripe, Inc., harmless from and against any actual or alleged claims, demands, causes of action, judgments, damages, losses, liabilities, and all costs and expenses of defence (including reasonable attorneys’ fees and court costs) arising out of or relating to:

  1. your breach of these terms;
  2. your violation of any local, state, federal or international law, rule or regulation;
  3. a claim by a third party that is based on your use of the third-party wallet;
  4. information or material posted or transmitted through your computer or account, even if not submitted by you;
  5. any misrepresentation made by you;
  6. the theft, misappropriation or disclosure of your password;
  7. your authorization of anyone else to use your password.

11.2. You will cooperate as fully and as reasonably required in our defence of any claim. We reserve the right, at our own expense, to assume the exclusive defence and control of any matter otherwise subject to indemnification by you, and you shall not, in any event, settle any matter without our written consent.

12. Notices.

12.1. We can provide notices to you concerning these Terms and your use of a Zip Card in any Third-Party Wallet by posting the material on our website, through electronic notice given to any electronic mailbox we maintain for you or to any other email address or telephone number you provide to us, or by contacting you at the current address we have on file for you. You may contact us at https://help.gb.zip.co/hc/en-gb/requests/new.

13. Questions.

13.1. If you have any questions, disputes, or complaints about the Third-Party Wallet, contact the Third-Party Wallet Provider using the information given to you by the provider. If your question, dispute, or complaint is about your Zip Card, then contact us at https://help.gb.zip.co/hc/en-gb/requests/new.