Guide
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.
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 full 5 and 35% repaid early 6, 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 7.
More payments completed, without more 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 full5
1.86%
loss rate5
35%
of purchases repaid early6
Split payments built for bill payment completion
Help eligible customers split payments for utilities, telecom, 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.
From due to done
Hear how having Zip’s flexible payments helps customers keep payments on track.⁸
Help more bills get paid with Zip
Help more customers stay on track with flexible payments. Go live in as little as one month7 with a buy now pay later for utilities and bills that helps increase payment completion without added risk.
Resources to turn due dates into more paid dates
Guide
BNPL readiness checklist for merchants
Article
Learn why more customers are using BNPL for essentials
Webpage
See how bill pay works for your customers
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.
How do buy now pay later bill payment options work for utilities and telco providers?
How do BNPL loss rates compare to traditional payment or credit options?
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
8 Testimonials reflect the individual's opinion and may not be illustrative of all individual experiences with Zip. Real Zip customer, paid for her time.