Financing option
Zip for high-ticket businesses
Assessed per purchase rather than against a fixed line — so customers who cap out on other BNPLs often still get approved.
Origination fee of $4–$7.50 on Pay in 4 ($8–$60 on the 14-week plan).
Apply NowHow it works
A clear checkout path, with availability subject to credit approval and underwriting.
Step 1
Customer selects this option at checkout.
Step 2
Available options are assessed for the purchase.
Step 3
Customer picks an available plan.
Step 4
Funded upfront, in full; non-recourse — lender absorbs consumer default risk.
The breakdown
The PayFull program details for Zip.
| Ticket range | $35–$1,500 |
|---|---|
| Terms available | Pay in 4 (6 wks) · 8 payments over 14 weeks |
| Customer cost | Not interest-free — an origination fee of $4–$7.50 is added on Pay in 4 ($8–$60 on the 14-week plan) |
| Credit check | Soft check, assessed per purchase |
| Funding timing | Upfront, in full |
| Consumer default risk | Non-recourse |
| Originator / issuer | WebBank |
Who it’s best for
- Customers with limited BNPL history — every purchase is judged on its own, not against a fixed line.
- Businesses whose eligible customers are approved under the provider’s underwriting outcome.
- Merchants looking to offer an additional checkout path alongside other PayFull options.
Can I get approved in my industry?
Zip availability depends on your industry, ticket size, and underwriting outcome. Tell us what you sell and we’ll tell you straight whether we can get it approved.
Also consider
Related options with an overlapping checkout use case.
Financing
Affirm
The high-ticket workhorse. Terms up to 36 months, 0–36% APR, and no late fees — on approval amounts that actually cover a $20,000 program.
Pay in 4 (6 wks) · 3–36 months monthly
Learn moreFinancing
ClarityPay
Financing that stays in your brand. Six weeks to 36 months, white-labeled end to end, with your customers remarketed back to you — never cross-sold to a competitor.
6 weeks – 36 months
Learn moreFinancing
Klarna
The most recognized name at checkout. Pay in 4 for smaller tickets, financing up to 24 months for bigger ones, and a brand your customers already trust.
Pay in 4 (6 wks) · Pay in 30 days · 6–24 months financing
Learn moreProgram disclosures
- All financing is subject to credit approval. Ranges shown are typical; every provider sets limits per customer and per merchant, and approved amounts, terms, and rates vary by applicant.
- Availability of any given provider depends on your industry, ticket size, and underwriting outcome. Not every provider is available to every merchant.
- PayFull is not a lender or a bank. Loans and financing are originated by the lending partners named above.
- Originating lenders: Zip: WebBank.
- Zip's Pay in 4 is not interest-free — an origination fee of $4–$7.50 is added to the purchase ($8–$60 on the 14-week plan).
Start accepting payments the way your business actually sells.
Set up in days, not months. White-glove onboarding included on every plan.
Talk to us before you commit to anything.