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BNPL for retail
Add the BNPL your payment stack is missing. Unlock incremental sales across every channel through higher conversion, larger baskets, and stronger customer loyalty with no complicated integration required.
The BNPL built for everyday retail shoppers
Reach new customers, convert them online, in-store, or in-app, and do it all in as little as four weeks with Zip’s flexible payment solution for retail.
Access the shoppers your checkout is turning away
More emerging shoppers are choosing flexible payments over traditional credit. In fact, 45% of customers say they wouldn’t have purchased without flexible payments.4 Reach responsible shoppers who may be underestimated by traditional financial institutions and help reduce cart abandonment, lift conversion, and drive higher AOV.
More emerging shoppers are choosing flexible payments over traditional credit. In fact, 45% of customers say they wouldn’t have purchased without flexible payments.4 Reach responsible shoppers who may be underestimated by traditional financial institutions and help reduce cart abandonment, lift conversion, and drive higher AOV.
Convert everywhere your customers shop
Use BNPL as a growth lever across your omnichannel experience. Surface flexible payments across the entire journey, from product pages to cart and checkout, and across online, in-app, and in-store experiences. By showing the right option at the right moment, you reduce friction early and keep shoppers moving forward.
Use BNPL as a growth lever across your omnichannel experience. Surface flexible payments across the entire journey, from product pages to cart and checkout, and across online, in-app, and in-store experiences. By showing the right option at the right moment, you reduce friction early and keep shoppers moving forward.
Launch without impacting in-store or ecommerce teams
Virtual cards and lightweight integrations make it easy to go live across channels and in-store without disrupting your payment experience or operations. Most merchants launch quickly and start seeing impact early, with 55% going live within one month.3
Virtual cards and lightweight integrations make it easy to go live across channels and in-store without disrupting your payment experience or operations. Most merchants launch quickly and start seeing impact early, with 55% going live within one month.3
Proven ecommerce and in-store retail growth
The retail payment solution proven to increase conversion, AOV, and loyalty at checkout.
58%
retail AOV lift5
31%
YoY increase in spend per customer6
96%
repeat transactions7
"Zip complements and supports our growth strategy... We are seeing a number of customers gravitate towards their buy now, pay later solution, which has provided significant lift in the average transactional value."
Sr. Managing Director,
Fanatics Payment Solutions
Split payments built to convert more retail traffic
Eligible customers can pay for apparel, beauty, electronics, pet supplies, and more through structured installment plans that work online, in‑store, and on your app.
Help every purchase feel manageable
Customers can pay in 2, 4, or 8 equal payments for smaller purchases or larger upfront costs based on the payment flexibility they need.
Reduce hesitation from the aisle to the register
Whether shoppers are online or standing at the register, empower them to move forward with confidence through in-store signage, point-of-sale messaging, and associate training.
Ecommerce tools built for AOV and conversion growth
From pre-qualification messaging to express checkout widgets, Zip’s retail payment solutions help recover lost sales and keep shoppers moving to checkout.
How Follett increased AOV 18% YoY with Zip’s flexible payments
Serving over 7 million students across 1,000+ campus bookstores, Follett needed a way to meet rising demand for flexible payments without adding operational complexity. By embedding Zip into its online and in-store experience, Follett transformed payment flexibility into a measurable growth driver.
Serving over 7 million students across 1,000+ campus bookstores, Follett needed a way to meet rising demand for flexible payments without adding operational complexity. By embedding Zip into its online and in-store experience, Follett transformed payment flexibility into a measurable growth driver.
Help more carts check out with Zip
Your next customer is already on Zip. Go live in as little as one month3 with the buy now pay later for retailers that helps convert the shoppers you're currently missing.
Your next customer is already on Zip. Go live in as little as one month3 with the buy now pay later for retailers that helps convert the shoppers you're currently missing.
Talk to an expert
Resources to turn payments into performance
Guide
BNPL readiness checklist for merchants
Ebook
Mastering the Payment Experience: How to convert customers and build loyalty
Case study
How net new customers fueled GameStop's 196% BNPL growth with Zip
Frequently asked questions
How does Zip integrate with ecommerce platforms, POS systems, and omnichannel retail payment solutions?
Adding Zip to your retail checkout doesn’t require a complete overhaul of your existing systems. Retailers can integrate Zip across custom API, ecommerce platforms, mobile app experiences using mobile SDKs, or Zip’s virtual card solution. In addition, Zip works with leading commerce and payment platforms like Shopify, Magento, Adyen, and Stripe.
What retail segments see the biggest increase in AOV and conversion with Zip?
How does Zip help retailers drive incremental revenue instead of just shifting payment methods?
How long does it take to launch Zip buy now pay later solutions for retailers?
Will Zip compete with our private label credit card or existing payment solutions?
3 Based on Merchant Impact Study August 2025. Internal data analysis of transactions from July 2024 – March 2025, Source: first order vs contract signed date
4 Based on a Zip customer survey data, April 2026
5 Based on internal analysis of Zip integrated checkout data from March to April 2026, compared against Salesforce-reported global average order value benchmarks.
6 1H FY26 results released to the ASX. 31% YoY increase in total spend per active U.S. Zip customer.
7 Zip transaction data for 12 months ending Dec 2024
Merchant Testimonials are based on each partner’s own experience; results may vary.