Buy now, pay later for grocery checkout
Give customers a little more breathing room to manage weekly grocery runs with buy now, pay later (BNPL) at checkout while you receive full payment upfront with minimal effort.
Empower shoppers with flexibility that fits
65% increased their average spend per tripA
60% shopped more frequentlyA
57% explored new categoriesA
Cart-full of customer love
Hear why having Zip’s flexible payments creates a better grocery checkout experience.*
Help make grocery trips easier
Buy now, pay later installments that fit real grocery routines.
Keep weekly trips on track
Customers split grocery payments over time with BNPL for groceries, so their spend better matches their pay cycle.
Customers split grocery payments over time with BNPL for groceries, so their spend better matches their pay cycle.
Keep more in the cart, more often
Reduce incomplete trips and left‑behind items without changing your existing prices or promotions.
Reduce incomplete trips and left‑behind items without changing your existing prices or promotions.
Become part of the weekly grocery routine
When shoppers can rely on flexible payment options for groceries, it becomes part of their regular planning—reinforcing your store as a go-to choice.A
When shoppers can rely on flexible payment options for groceries, it becomes part of their regular planning—reinforcing your store as a go-to choice.A
Modernize checkout, minimize complexity
Easily bring buy now, pay later for grocery checkout to every lane and channel.
POS agnostic
Integrate Zip’s virtual and physical cards nearly anywhere Visa is accepted: in‑store, self‑checkout, curbside, or the service desk.ᶠ
Make flexible payments easy to spot
Turn Zip into a clear, shopper-first value signal with door, aisle, shelf, and register signage, plus simple associate training to guide shoppers.
Consistency from aisle to app
Low‑lift integrations that fit existing e-commerce flows for consistent in-store and online grocery checkout, working with one payment experience (PX) partner across channels.
Split payments built for grocery trips
With Zip, eligible customers can buy groceries now and pay later through structured installment plans that work online and in‑store.
Pay in 2
Customers pay 50% upfront and 50% in 2 weeks.ᴮ
Pay in 4
Customers can split larger grocery hauls into 4 equal installments over 6 weeks.²
Everybody eats with BNPL for grocers
Learn how BNPL is reshaping grocery organizations from the aisle to the boardroom.
Help grocery shoppers finish every trip without changing how you operate
See how Zip supports planned trip completion and margin goals with low‑lift implementation across in‑store and digital checkout.
The details grocery leaders ask us most
How does Zip help customers manage grocery expenses responsibly?
Zip can help shoppers manage when they pay, not whether they should buy. As a buy now, pay later (BNPL) option for groceries, our installment plans—like Pay in 2B or Pay in 42—are structured, with clear schedules and limits, so shoppers can smooth eligible purchases over time while you maintain your existing pricing and promotions. Shoppers can stay on track with flexible tools such as payment date change requests. A fee may apply for payment date changes.
Will Zip cannibalize our private‑label credit card program?
How complicated is in‑store setup?
What does implementation look like for online and app grocery checkout?
How does Zip manage risk for our business?
Why are customers choosing Zip for their everyday grocery shopping?
How does offering buy now, pay later affect grocery basket size?
A Zip, Grocery Customer Deep Dive (U.S. market research report, August 2025). Findings based on a proprietary survey of U.S.-based Zip users conducted July 15–18, 2025 (n=668). Results reflect self-reported customer behavior and perceptions and are not intended to represent the general U.S. population or all consumers.
B Pay in 2: For a $1,100 purchase, you'd make two $553.75 payments every two weeks starting today for a 35.70% annual percentage rate and a total of payments of $1,107.50. A $7.50 origination fee is charged at commencement - you pay this fee as a prepaid finance charge when you make your initial payment today. Actual origination fees vary and can range from $0.50 to $17 depending on the purchase price. The actual amount of the fee for your purchase will be reflected at checkout. Estimation of origination payment and annual percentage rate excludes potential tax and shipping costs. Financing through Zip issued by WebBank. All loans are subject to credit approval.
C FY25 Annual Results released to the ASX 98%+ of transactions repaid in full.
D Zip internal data as of January 2025 35% of transactions repaid early.
E VISA is a trademark owned by Visa International Service Association and used under license.
F Eligibility criteria apply. Zip can only be used for US purchases. Certain merchant, product, goods, and service restrictions apply.
*Testimonials reflect the individual's opinion and may not be illustrative of all individual experiences with Zip. Real Zip customer, paid for her time.