For Business

Upgrade your payment experience


Convert shoppers at overlooked friction points by making flexible payments easier to spot. Many retailers only highlight payment options at checkout, missing critical opportunities earlier in the journey. By strategically placing Zip BNPL at key moments across your site, you can reduce friction, boost confidence, and optimize your Payment Experience (PX) to turn browsers into buyers.

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Boost conversions along the customer journey


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Discover five key moments where Zip BNPL can enhance your PX and make a meaningful impact.

When customers are browsing... let shoppers know their spending power1 early.


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Customers visit your site for inspiration, price checks, and product comparisons. Showing them their spending power upfront encourages engagement and opens the door to larger purchases.

  • Solution: Enable shoppers to see if they’re approved to use Zip and discover their spending power in seconds by adding the Zip Prequalification Widget to product detail pages.

  • Impact: Customers can more easily plan purchases with confidence.


Once customers are interested... make flexible payment options impossible to miss.


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Making customers aware they can get the items they want or need encourages them to take action rather than hesitate at checkout.

  • Solution: Ensure shoppers see their payment choices early in their journey by highlighting Zip’s Pay in 2, Pay in 4, and Pay in 8234 options on product pages, search results, and banner promotions.

  • Impact: Increased purchase confidence and higher add-to-cart rates.

Helps customers see their future payment schedule, including due dates and amounts. It visually breaks down purchases into two, four, or eight installments on a timeline, making the payment process transparent and easy to understand.

When customers are ready to buy... offer BNPL as seamlessly as you accept credit, debit, or other payments.


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Consumers want flexibility. Offering BNPL at checkout with transparent fees can be the difference between a completed sale and a lost customer.

  • Solution: Reduce friction, boost sales, and accelerate checkout by integrating Zip’s Express Checkout to pre-fill shipping, billing address, and payment details for a seamless experience.

  • Impact: You could experience higher conversion and faster checkout experience.

When customers are applying... give customers another path to purchase when they can't use other credit options.


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Declined private-label credit card applications don’t have to mean lost sales. Offering BNPL as an alternative gives customers flexibility to complete their transaction without cannibalizing existing payment options.

  • Solution: Keep customers engaged with just one pre-qualification API call that automatically presents Zip as an option after a declined card application.

  • Impact: Merchants have the potential to recover lost sales, retain customers, and convert previously declined transactions.

When customers are ready to make their next purchase… build loyalty through flexibility and purchasing power.


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Shoppers who start with BNPL often transition to traditional financial products, like private-label credit cards, strengthening their relationship with retailers. With consistent on-time payments, Zip users may unlock the potential to get greater spending power1, leading to larger orders.

  • Solution: Drive repeat business from shoppers who value flexible payment options, such as Zip, or want to explore store cards.

  • Impact: Increased order values and higher customer lifetime value.

Learn how to master your Payment Experience


Our latest playbook shares best practices and strategies for retailers to maximize conversions along the customer journey.

Expand access, attract new shoppers, and maximize LTV


Optimizing your PX isn’t just about offering flexible payment solutions to customers. It’s about expanding access to financing—so your payment solutions serve the full spectrum of shoppers. Want to learn how Zip can help transform your Payment Experience so you can connect with more customers and unlock revenue opportunities? Contact us to discuss your business’s unique needs today.