What is Zip?

Zip is an installment payment platform that lets you pay for your purchase in installments using a credit or debit card. When you choose Zip to purchase items on Mercari, Zip automatically splits the purchase amount into 4 payments, made every two weeks. This allows you to enjoy your item now and pay for it later.

Check any listing for the Zip logo to see if it’s eligible.

For sellers, when someone purchases using Zip, nothing changes. You ship the item in the same way you always have upon sale and when the transaction is complete, you’re paid in full.

For further information, please contact Zip Support.

How do I use Zip?

  1. Check an item’s listing page for the Zip logo
  2. Choose Zip as a payment method
  3. Sign up or sign in with Zip during checkout
  4. Get approved right away
  5. You’ll be charged 25% of your payment and any applicable merchant payment plan fees at checkout

Please note that a merchant payment plan fee may apply depending on the state you live in. If applicable, this fee will be divided in 4 and paid alongside your installments.

The seller will ship out your item within 3 days, as usual. Your installments will be automatically paid over 6 weeks, 25% every two weeks along with any merchant payment plan fees.

Can I use Zip on multiple items?

Yes! Now, you can use Zip when you purchase one or more eligible items. Enjoy your wish list now and pay over time in 4 easy installments, over 6 weeks.

Here’s how:

  1. Check the listing for the Zip logo to see if it's eligible
  2. Add one or more items to your shopping cart
  3. When you’re finished shopping, proceed to checkout
  4. At checkout, you can change your payment to select Zip as a payment method
    • If you’re unable to see Zip as a payment option, it means your cart value is not eligible.
  5. You can sign up with Zip or sign into Zip if you’re already registered
  6. Get your approval decision in just a few minutes
  7. Complete checkout using Zip

Please note that a merchant payment plan fee may apply depending on your shipping address. If applicable, this fee will be divided in 4 and paid alongside your installments.

For further information, please contact Zip Support.

What are the benefits of Zip?

With Zip, you can split your Mercari purchase into 4 easy installments rather than paying all at once. This gives your more flexibility when you shop — you don’t need to wait to buy your next big-ticket item. Zip doesn’t perform a hard credit check, so there is no impact to your credit score.

For sellers, this means more buyers will now be able to purchase your items. And sellers receive the full payment at the close of the transaction, just like before.

What information does Zip need?

Zip will ask for your name, address, date of birth, a US mobile phone number, and a US debit or credit card for sign up. Additionally, Zip requires a mobile phone number and text message verification to get started instead of having a traditional username and password.

For further information, please contact Zip Support.

How do I sign up with Zip?

Signing up with Zip is easy. You can do it right from the Mercari app during checkout. For the initial sign up, Zip will ask for your date of birth, a US mobile phone number, and a US debit or credit card. Once you’ve entered your information, you will instantly know if you’ve been approved.

For further information, please contact Zip Support.

How can I access my Zip account and orders?

You can check current and past orders on the Zip Customer Portal. Simply log in to view your account by entering your mobile number or email address. You can log in to the customer portal here.

If you need help accessing your account, please contact Zip Support.

Are there any fees associated with using Zip?

A merchant payment plan fee (MPPF) may be applied depending on which state you live in. An MPPF is a fee charged for providing payment plan convenience. This fee will be divided in 4 and paid at the same time as the installments.

Zip may charge late fees if any installment payments are delayed. Learn more here.

How will I be notified about Zip installments?

Zip notifies customers about payment reminders via SMS and email before each payment is due.

For further information, please contact Zip Support.

When is my first Zip installment due?

Your first payment of 25% of the total purchase price is due at the time of checkout. The remaining three payments will be billed automatically, made every two weeks from the first payment date. A merchant payment plan fee may be applied to each payment.

Can I use another form of payment with Zip?

Yes! You can also use your Mercari balance, Mercari credits, or a coupon with Zip to pay for your purchase, as long as the item is eligible.

If you use more than one form of payment, the net amount after balance, credit, and coupon application will be charged to your Zip account.

Example: You make a $100 purchase including any shipping, sales tax, and Zip merchant payment plan fees. You pay $20 in balance, $10 in credits and $10 with a coupon. The remaining amount to pay is $60. Your Zip account will be charged for a total of $60. You pay the first initial installment of $15 at checkout. The remaining 3 installments of $15 each will be charged every two weeks. If a merchant payment plan fee is applicable, it will be divided in 4 and paid with each installment.

Are there any transaction limits with Zip?

Each transaction is assessed before it is approved. Please note that Zip does not approve every order. Zip considers a variety of factors to determine approvals and spend limits. If you are a repeat purchaser and have made all your repayments in time, you’ll likely receive a higher limit than someone who is a new customer.

For further information, please visit the Zip support site.

What if I can’t pay my Zip Installments?

Please be sure to notify Zip to avoid a late fee if your payment method is not up-to-date or if you can’t make your next payment. You may contact Zip by clicking here. Installment payments are automatic, but Zip will charge a late fee in certain instances. This includes a situation where your payment cannot be processed because your debit card account has insufficient funds or your credit card is no longer valid.

For further information, please contact Zip Support.

When will my items be delivered if I use Zip?

Zip orders follow Mercari’s standard purchase process. Sellers will be notified to ship as soon as you make your purchase.

Why was I not approved or eligible to use Zip?

There are many factors that determine Zip approval or eligibility. Please contact Zip Support for more information.

What happens if I cancel or return an order purchased with Zip for a full refund?

Zip returns follow Mercari’s standard cancellations & returns process, and includes any applicable merchant payment plan fees. As soon as the refund is processed from the Mercari side, Zip will be notified of the refund. Once notified, Zip will refund the payments made to date, and the amount will be deposited into your Zip online account. Have more questions about Zip returns? Go to Login.

In cases where orders are cancelled and a full refund must be issued, customers are only refunded the amount they have paid to date via their installments. Zip will then cancel all future payments. Refunds can take 2-3 business days to process, depending on the financial institution.

Example: You make a $100 purchase including any shipping, sales tax, and merchant payment plan fee(s). 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 out to $75) will be cancelled by Zip.

If your entire order is cancelled or returned, the merchant payment plan fee(s) will be refunded. If there is a partial refund or if part of a checkout is cancelled or returned, the fee will not be refunded.

What happens if an order purchased with Zip is adjusted or refunded partially?

When a partial refund is issued in cases such as sales tax adjustment, Zip will reduce the last installment amount by the amount that was refunded. If the refund amount is greater than the last installment amount, Zip will deduct the partial refund from your last and second to last installment, and so on.

Example: You make a $100 purchase including any shipping, sales tax and Zip merchant payment plan fees. Each installment payment is $25 each. You pay the first initial installment of $25 at checkout. Later, Mercari refunds $50 on your purchase. The value is applied to the last of their installments, and then to the next-to-last installment, and so on, until the entire refund amount has been applied. Below is a breakdown of what the refund(s) would look like.

$25 + any applicable merchant payment plan fees (depending on residing state) - PAID.

$25 - The second installment remains and is still due on the original due date.

$25 - REFUNDED or WILL NOT BE CHARGED.

$25 - REFUNDED or WILL NOT BE CHARGED

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