Zip gives customers the freedom to pay for their products in a way that works for them. It is easy to set up and provides a modern alternative to traditional payment options. Zip is a great experience for both merchants and customers and is simple, transparent and flexible.

 

Requirements

To use Zip, your store must meet the following requirements:

  • Your store must be using Optimized One-Page Checkout.
  • Manage Payments and Manage Settings user permissions must be enabled.
  • Your store must be either:
    • based in Australia or New Zealand, and your store currency must be AUD or NZD.
    • based in United States or Canada, and your store currency must be USD or CAD. 
 

Setup

If you do not currently have a Zip merchant account, sign up at the page that matches your store's country: AU | NZ | US | CA

Once you have an account, Zip will provide you with merchant credentials. Use the steps below to connect it with your store.

1. Go to Settings › Payments and select Zip from the list of Online Payment Methods.

Zip set up button under Online Payment Methods

2. You will be taken to the Zip Settings tab. Copy and paste the merchant credentials provided by Zip into the corresponding API Key field.

  • API Key — the API Key provided by Zip
  • Transaction Type — can be set to Authorize & Capture or Authorize Only. Authorize Only allows you to capture the funds manually. See Manually Capturing Transactions (Authorize Only) to learn more.
  • Test Mode — determines whether your store is in Test Mode. Set it to No (Recommended) when you are ready to take payments.
  • Zip Widget (optional) — display a Zip widget in various storefront locations, informing shoppers of what Zip is and how to use it. See Zip Widget to learn more.
  • Merchant Public Key (AU Only) — the Public Key from your Zip dashboard
  • Minimum Order Value (optional) — the minimum order amount that must be met before Zip displays as a payment option at checkout.

Zip settings tab

 

Based in Australia? The Merchant Public Key field is required for displaying the Zip widget on AU stores. The Merchant Public Key is located within the Zip dashboard, under Dashboard › Settings › Integration Details.

3. When ready, Save your settings. Zip will be live in your checkout.

 

Setting up the Zip Widget

If you're using a Stencil theme that supports the Zip widget, you have the option to display banners on your cart page, homepage, and product pages.

All of our free BigCommerce themes (except Fortune) and a few select paid themes support the Zip widget. If you're using a paid or custom theme, contact your theme developer to find out if yours supports it.

If your store is located in New Zealand, United States or Canada, select the locations where you would like to display storefront banners.

If your store is located in Australia, copy and paste your Merchant Public Key from the Zip dashboard into the Merchant Public Key field, then select the locations where you would like to display storefront banners. The Merchant Public Key is located under Dashboard › Settings › Integration Details.

Zip widget settings

If you've customized your theme template, make sure the following regions still exist in your template in order for the widget to display correctly:

  • The homepage region is header_bottom
  • The product page region is product_below_price
  • The cart page region is cart_below_totals

See Zip's Widget Integration article for more information.

 

Common Questions

ACCOUNT ELIGIBILITY

What currencies and countries does Zip support?

Supported currencies are determined by the country selected in your Store Profile settings. Refer to the table below to see what country and currency combinations are supported.

CountriesCurrencies
Australia, New ZealandAUD, NZD
United States, CanadaUSD, CAD

What items are restricted for merchants to sell?

Please contact Zip for a complete understanding of restrictions, but here are some examples of goods that cannot be bought or sold using Zip:

  • tobacco
  • firearms
  • hunting knives
  • explosives
  • other weapons
  • gambling services
  • products that are detrimental to the welfare of animals

How long until funds are in my account?

This depends on who your merchant bank is, but generally within 24 hours.

GENERAL

I am using another payment gateway. Can Zip be added as an alternative payment method (APM)?

Yes Zip can be added as an APM with Adyen. See Zip for more information.

TRANSACTIONS

How long until transaction funds are transferred to my bank?

Funds will be transferred the next business day. This depends on who your merchant bank is, but generally within 24 hours.

Is 3D Secure supported in the integration?

No. However, 3D Secure is not needed, since the shopper is not paying with credit card, but rather through Zip. As such, the shopper is authenticated when logging into their Zip account.

Is multicurrency supported? (supported by BigCommerce multicurrency)

Yes, multicurrency is supported on our Zip integration. To configure Zip for each supported currency, you can use the same set of Zip merchant credentials.

To learn more about the benefits of this feature, see our announcement on the Product Blog.

To learn more about managing currencies, see our support article.

 

REFUNDS

How soon after a transaction can I perform a refund?

Refunds can be performed immediately.

Is there an amount of time after which I cannot perform a refund?

You can perform a refund within 120 days from the date of purchase.

Are there any fees for chargebacks/refunds?

Chargeback do not exist for Zip transactions.

For Refunds:

  • If a refund is performed within 30 days of purchase, there is no fee, and Zip will also refund the Merchant Service Fee (MSF).
  • If a refund is performed after 30 days of purchase, there is no fee. However, the Merchant Service Fee (MSF) will not be refunded.

ADDITIONAL FEATURES

Are there any fraud filtering options available?

None are supported at this time.

Does Zip allow authorize-only or recurring/subscription payments?

Authorizations: Yes. Authorize-Only, Authorize & Capture, Void, Full Refund, and Partial Refund are supported.

Recurring/Subscriptions: Not supported at this time.

TROUBLESHOOTING AND PAYMENT DISPUTES

How are payment disputes handled?

Customers should contact the Zip collections team.

How do I contact Zip Support?

Reach out to Zip at the following regional support centers: