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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.Official site ↗
Online · percentage component
Rates are step functions: each level holds until it is replaced.
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 |
Every recorded change, newest first, with the movement from the rate it replaced.
Credit loss assumptions updated in merchant pricing.
In Australia, on the online channel: 4% + A$0.42, in force since 1 Feb 2025 (estimate). Fees differ by market and channel, and the table above lists each one.
It is priced in 3 markets here: Australia, New Zealand, United States. A market missing from the list has not been recorded yet, which does not mean Zip is unavailable there.
It is recorded as next day. Actual timing can depend on cut-off times and on the receiving account.
Yes. It has a chargeback process, so a buyer can dispute a payment through their provider. For a business, that protection comes with dispute fees.
Yes. It is a payment method businesses accept, and the fees shown are what a merchant pays to be paid through it.
