Zip offers flexible buy now, pay later services in both Australia and the US, with a range of products tailored to each market. In Australia, consumers can choose from Zip Pay, Zip Plus, and Zip Money, allowing them to customise their repayment schedule with weekly, two-weekly, or monthly options. In the US, Zip is available as Zip Pay in 4, which offers consumers the ability to pay in four interest-free instalments, with the first payment made upfront and the remaining spread over six weeks. Learn more about Zip.

Payment method properties

Properties	Value
Markets (consumer)	`AU` `US`
Processing currencies	`AUD` `USD`
Consumer currencies	`AUD` `USD`
Settlement currencies	`AUD` `USD`
Authentication methods	`REDIRECT`
Authentication timeout	168 hours 20 minutes (AU) 1 hour 10 minutes (US)
Minimum payment amount	0.01 AUD 35.00 USD
Maximum payment amount	AU: Zip Pay: Credit limit up to AUD 1,000 Zip Plus: Credit limit from AUD 2,000 to AUD 4,000 Zip Money: Credit limit up to AUD 50,000 US: Pay in 4: Up to USD 1,500
Payment instrument	`PASSTHROUGH_WALLET`
Recurring payments	No
Separate captures	No
Refund	Full - Partial - Multiple
Refund validity	180 days
Disputes	Yes
Settlement risk	No
Sandbox availability	Zip sandbox

Make a Zip payment

Zip is available through our standardized REDIRECT flow. We recommend including all relevant settings for any authentication methods you support. To create a Zip payment, you'll need to provide the following data at minimum when calling our payment charges API:

Field	Description
paymentMethod	`ZIP`
amount.value	The amount to be paid in the smallest units of the currency used.
amount.currency	`AUD` `USD`
consumer.country	The country where the consumer is shopping.
authenticationSettings: REDIRECT settings.returnUrl	Add the URL where the consumer should be redirected after payment. Required for the REDIRECT flow.

📘
Guidance
To improve the consumer experience and maximize approval rates with Zip, include the consumer and order objects where possible. See the API Reference for details.

consumer.phone - Auto-populates on Zip’s checkout and is required for receiving OTPs.

consumer.billingAddress - Billing details support scoring and approval decisions.

order.orderItems - Share the full cart with item-level details for optimal experience.

order.shippingAddress - Include shipping details for tracking.

Request

POST /v1/payment-charges

{
  "paymentMethod": "ZIP",
  "amount": {
    "value": 1000,
    "currency": "USD"
  },
  "consumer": {
    "country": "US"
  },
  "authenticationSettings": [
    {
      "type": "REDIRECT",
      "settings": {
        "returnUrl": "https://www.webshop.com/order-results-page"
      }
    }
  ]
}

Response

You'll receive our standard payment charge response with the available authentication methods:

{
  "id": "charge_Y3JVzvEaJpvG53xd2R2Zt",
  "paymentMethod": "ZIP",
  "paymentMedium": "ECOMMERCE",
  "scheduleType": "UNSCHEDULED",
  "instrumentId": "instr_Asu0ig2PXXZSiNrhY44A5",
  "currency": "USD",
  "country": "US",
  "status": "AUTHENTICATION_PENDING",
  "consumer": {
    "country": "US"
  },
  "authenticationMethods": [
    {
      "details": {
        "requestUrl": "https://redirection-target.ppro.com",
        "requestMethod": "GET"
      },
      "type": "REDIRECT"
    }
  ],
  "authorizations": [
    {
      "id": "authz_aPobet0FNZNU1bYqfexFd",
      "amount": 1000,
      "status": "AUTHENTICATION_PENDING",
      "createdAt": "2025-06-21T08:34:20.766Z",
      "updatedAt": "2025-06-21T08:34:20.766Z"
    }
  ],
  "captures": [],
  "refunds": [],
  "discards": [],
  "voids": [],
  "createdAt": "2025-06-21T08:34:20.114Z",
  "updatedAt": "2025-06-21T08:34:20.766Z",
  "_links": {
    "authorizations": {
      "href": "/v1/payment-charges/charge_Y3JVzvEaJpvG53xd2R2Zt/authorizations"
    },
    "captures": {
      "href": "/v1/payment-charges/charge_Y3JVzvEaJpvG53xd2R2Zt/captures"
    },
    "refunds": {
      "href": "/v1/payment-charges/charge_Y3JVzvEaJpvG53xd2R2Zt/refunds"
    },
    "discards": {
      "href": "/v1/payment-charges/charge_Y3JVzvEaJpvG53xd2R2Zt/discards"
    },
    "voids": {
      "href": "/v1/payment-charges/charge_Y3JVzvEaJpvG53xd2R2Zt/voids"
    }
  }
}

Pick the desired authentication method

REDIRECT

Redirect your consumer to the returned $.authenticationMethods[?(@.type == "REDIRECT")].details.requestUrl.
For example, with the value of https://redirection-target.ppro.com/ using the returned $.authenticationMethods[?(@.type == "REDIRECT")].details.requestMethod HTTP method.
The consumer will be presented with the reference number and instructions to complete the payment.

Handling the payment result

REDIRECT

After the consumer completes the payment, they are redirected to the returnUrl specified in the payment charge creation request.
Upon redirect back to your site, retrieve the latest payment status by performing a GET /v1/payment-charges/{paymentChargeId}. Use the returned status field to determine and display the final payment outcome to the consumer.
Additionally, webhooks are triggered to notify you of the payment result. This ensures you receive the outcome even if the consumer closes their browser or fails to return to your website.

Payment instrument

A PASSTHROUGH_WALLET instrument will be created for Zip, with no additional data provided.

Request

GET /v1/payment-instruments/{instrument-id}

Response

{
    "id": "instr_Asu0ig2PXXZSiNrhY44A5",
    "type": "PASSTHROUGH_WALLET"
}

Payment method properties

Make a Zip payment

Guidance

Request

Response

Pick the desired authentication method

Handling the payment result

Payment instrument

Request

Response

Sandbox testing