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FX live, 150 of 153 currencies refreshed 27 Sept 2026 from open.er-api.com (exchangerate-api.com). The remainder use a seeded reference rate.
Zip · launched 2013
Australian buy-now-pay-later provider offering revolving credit lines as well as instalments.
Representative of this rail in this market. Directionally useful, but not a quotable rate, confirm with the provider. Source: Typical BNPL merchant fee range.
In force since 1 Feb 2025
4.42% effective
−6.0% relative · from 4.25%
−15.5% relative · 4 revisions
Online · percentage component
Rates are step functions: each level holds until it is replaced.
Every recorded change, newest first, with the movement from the rate it replaced.
1 Feb 2025 → current
28 Oct 2022 → 1 Feb 2025
26 Feb 2021 → 28 Oct 2022
Credit loss assumptions updated in merchant pricing.
Online pricing across every country where this method is available, with the cost on a A$100.00 payment for comparison.
| Market | Listed fee | Cost on 100 | Effective | Since | Basis |
|---|---|---|---|---|---|
| Australia | 4% + A$0.42 | A$4.42 | 4.42% | 1 Feb 2025 | Estimate |
| New Zealand | 4% + NZ$0.52 | NZ$4.52 | 4.52% | 8 Jun 2022 | Estimate |
| United States | 4% + $0.30 | $4.30 | 4.30% | 7 Nov 2022 | Estimate |
1 Jan 2019 → 26 Feb 2021