Zip - Pay in 4

A new way to pay that’s available online and lets you own it now and pay for it later!

Who are Zip?

Zip create simple, secure, fair and transparent credit and payment solutions that improve lives every day. Zip allows you to own the things you love now, and pay for them later, all interest-free on purchases up to £1000


Am I eligible to pay using zip?

To shop using Zip, you need:

- To be over the age of 18

- To have a UK issued debit card

- To be living in the UK

- To have a good credit history


Will Zip affect my credit score?* 

No. Zip only carries out a soft credit check, so your score is not affected. 


How do I pay with Zip? 

When you get to the payment page, select Zip as a payment method. 

If it’s your first-time shopping with Zip, you’ll need to enter some personal details such as name, date of birth, mobile phone number and home address. Take care when entering your personal details, errors may prevent Zip from being able to verify your account or send you payment notifications. 

Once approved, and you are happy with the instalment schedule, Zip will take the first instalment from the UK debit or credit card you supplied when signing up.

Once accepted, your goods will be sent to you as they would with any other payment method. 


Is my payment information safe? 

Payment information is processed securely by Zip. All transactions take place via secured connections that adhere to the latest industry standards and security protocols.


What happens if I cancel or return my order? 

As soon as your cancellation/return has been accepted by us, Zip will cancel any future scheduled payments as well as refund any amounts due.

As soon as we have registered your cancellation or return, Zip will process your refund within 10-15 business days.

Any partial refunds will be applied to outstanding instalments first. 


What happens if I don’t pay for my order? 

Zip will automatically attempt to collect payment for your Pay In 4 purchase from the debit or credit card you entered when you signed up to Zip.

If you miss a scheduled payment, and don’t process a payment yourself before midnight on the day that it is due, Zip will charge a £6 late fee for every instalment missed. A payment can be made by you at any time by logging into your Zip customer portal.

Please make sure you have money in your account in advance of your payments coming out. 

Zip will contact you by email directly in advance every time as a reminder. 


I have asked for a refund. How will I be refunded? 

Refunds from Zip shall be issued back to the debit or credit card supplied to Zip.


Is there really no interest applied and no extra fees? 

Nope, Zip are not like traditional finance companies. As long as you pay your scheduled payments on time you will only pay the price advertised.


When will my payments be due? 

Payments are automatically scheduled to be taken every 2 weeks. 

You’ll pay 25% of your full purchase upfront, then 25% every 2 weeks for the next 6 weeks. 

Zip will try to take payment during the day but if this fails, or if you'd like to make a payment earlier, you can log into your Zip customer portal and manually make a payment. 

For more information, visit our Help pages at 


I've received a statement from Zip, but I've not yet received my goods. 

Zip is the finance provider and will not have information regarding your order status.  Please always contact the retailer directly.

*non-payment may affect your credit score if passed to a third-party collections’ agency