Rykä + Zip
Buy Now. Pay Later. Split your purchase into 4 payments with Zip.
HOW IT WORKS
Choose Zip at checkout as your Payment Method
Quick and easy.
Use your debit or credit card
No long forms, instant approval.
Pay over 4 payments automatically through your Zip account
Enjoy your purchase straight away.
What is Zip?QuadPay is a payment platform that gives shoppers the choice to pay for their purchases via 4 simple installments using a credit or debit card. QuadPay automatically splits the purchase amount into 4 payments, every two weeks. QuadPay empowers you to buy now, pay over time.
How much does Zip cost?There is a $1 per-installment fee to use Zip, regardless of the size of your order. As long as your installments are paid on-time, there are no other fees to shop with Zip.
What information does Zip ask for?Zip requires your name, address, date of birth, a US mobile number, and either a debit or credit card for sign up. Instead of having a traditional username and password, Zip requires a mobile phone number and text message verification.
Who can use Zip?
In order to have an account with Zip, you must:
- Live in the US
- Be at least 18 years old
- Have a valid and verifiable mobile number
- Use a US credit or debit card to make a purchase
Are there any fees?Payments are automatic, however, Zip charges late fees in certain instances, such as if your payment cannot be processed because your debit card account has insufficient funds, or your credit card is no longer valid. Late fees vary by state. late fees. Because of this, you may incur an initial late fee of $5, $7 or $10 depending on your state of residence. To learn more about late fees, please see Zip's help page.
How do I sign up?You can sign up during the checkout process. For the initial sign up Zip will just need your date of birth, a mobile number and either a debit or credit card. You'll know if you are approved instantly!
How can I check my Zip Orders or Account?
Will I be notified before I am charged for an installment?Zip notifies customers with payment reminders via SMS and email before each payment is due.
When is my first payment due?Your first payment of 25% of the purchase price is due at the time of checkout. The remaining three payments will be billed automatically, every two weeks.
What if I have trouble paying?
It’s important to notify Zip to avoid a late fee if your payment method is not up-to-date. Payments are automatic, however, Zip charges late fees in certain instances, such as if your payment cannot be processed because your debit card account has insufficient funds or
your credit card is no longer valid. For more information on late fees, please see Zip’s help page.
If your payment is denied in error, you can contact Zip Support by submitting a request at https://help.zip.com/hc/en-us/requests/new
What if I lose or want to change my card of payment for an existing order?
Zip associates your card with your order when you first complete the checkout process. If you need to change which payment method is used for future installments for an order, followthese steps to associate a different card with a given order. This will cause all further installments for that order to be billed against your new card.
Log into the Customer Portal at https://customer.zip.com
Go to the Orders Page and click View Order for the order you would like to change.
Click Edit next to the payment card, select the card you’d like to use, and click “Use this Card”
How do returns, refunds, and partial refunds work?
As soon as Zip is notified of the return, our customers are refunded the amount they’ve paid to-date and Zip cancels all future payments. In the event of a partial refund, scheduled installments are cancelled first, and then paid installments are refunded. Refunds can take 2-3 business days to process, depending on the financial institution.
Example: You make a $100 purchase. You pay the first initial installment of $25 at checkout. Later, the order is cancelled. A refund of $25 is issued, and the remaining installments (which total $75) will be cancelled by Zip.