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BNPL for bill payments


Add BNPL to your bill payment experience to increase completion rates, reduce missed payments, and protect your cash flow without added risk.

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Make every payment due a bill paid

Missed payments disrupt cash flow. Buy now, pay later for bill payments can helps your customers pay their utilities, phone, internet, bills, and more on time so more revenue is collected when expected.

Improve cash flow with more on-time payments


Offer customers the option to split bills in two, while you get paid upfront. With over 98% of Zip customers’ transactions repaid in full3 and 35% repaid early,4 you can support more predictable cash flow without increasing risk to your business.

Lower support costs, better payment experience


Give your customers flexible payment options that help increase payment completion, reduce inbound support, avoid collections workflows, and create a smoother payment experience that keeps your customers on track.

Go live fast with minimal disruption


Lightweight integrations make it easy to introduce BNPL bill payments into your existing flow, with many partners going live in as little as one month.5

More payments, less risk


Strong repayment performance and low BNPL loss rates mean you can drive higher bill payment completion without taking on additional risk or volatility in your cash flow.

98%+


of transactions repaid in full3

1.86%


loss rate3

35%

of purchases repaid early4

Split payments to help keep bills on track


Help eligible customers split payments for utilities, phone, internet, and more through Zip’s structured installment plans.

Enable simple split payments at the point of billing


Unexpected expenses, everyday costs, and timing gaps can make it harder for customers to pay in full when it’s due. Pay in 2 gives customers a simple way to split payments and stay current without added pressure.

BNPL built for bill payments


See more bills paid proactively and gain clearer insight into forecasting. Many merchants are already using Zip to pay bills.

Support customers across the payment journey


Tools like our pre-qualification widget let eligible customers know they have another way to pay, helping you increase payment completion while supporting customers at critical moments.

Help more bills get paid with Zip

Help more customers stay on track with flexible payments. Go live in as little as one month5 with a buy now pay later for utilities and bills that can help increase payment completion without added risk.

Talk to an expert

Resources to turn due dates into more paid dates



Guide

The ultimate guide to buy now, pay later for merchants

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Article

Learn why more customers are using BNPL for essentials

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eBook
Preview of payment experience playbook with strategies to improve ecommerce conversions.

Mastering the Payment Experience: How to convert customers and build loyalty

Master the PX

The details utilities and telcommunication leaders ask us most


How does BNPL bill payment help increase payment completion rates?

BNPL bill payment solutions help customers split bills in two if their cash flow doesn’t align with their payment due date. This helps providers increase completed payments while protecting cash flow. Customers can benefit from installment payments for their utility, telco, healthcare, subscription, and other service payments.

5  1H FY26 results released to the ASX

6Zip internal data as of January 2025

7Based on Merchant Impact Study August 2025. Internal data analysis of transactions from July 2024 – March 2025, Source: first order vs contract signed date