Fashion Nova returns and exchanges are up to the discretion of their team. Rather than processing a direct refund, they may opt to issue a store credit refund, per their return policy.
Please keep in mind that even if you receive store credit from Fashion Nova, your remaining Zip installments are still due. Your store credit E-Gift Card code will be sent to the email on file for the order in question (this will come directly from Fashion Nova).
You place an order for $100 for various merchandise. You decide to return the whole order because the clothes didn't fit as expected. Fashion Nova will provide you with an E-Gift card of $100 once they have processed the return on their end.
However, your Zip order would still need to be paid in full. If Zip were to refund you directly, you would be receiving two refunds, which will not be done.