Book a trip, order groceries, pay your bills, shop online or in‑store. Use Zip pretty much everywhere Visa is accepted.1
Can I use Zip to shop for Groceries?
Yes, you can!
If you are placing an online order for pick up, please follow our online flow.
Don't feel like cooking tonight? No problem! You can also use the app for food delivery services by using our online flow.
Can I use Zip for Concert or Live Event purchases?
Can I use Zip at a Gas Station?
You can use the Zip app at some select gas stations. At this time, the gas stations that accept the app are:
In order to use the app at the pump, please use the in-store purchase flow.
Can I use Zip for Travel Purchases?
Yes, you can! Hotels and travel sites have varying policies about how they process payments. Following a few best practices will help ensure you're able to successfully Zip your travel and entertainment.
Understanding the Virtual Card
The Zip virtual card is only designed to be open for 14 days. This means that when you create a virtual card online or in the app, the card will remain available for a merchant to charge and process your payment for 14 days. When shopping for goods at most merchants, they will typically charge your card within a few days of placing your order. However, when making reservations such as at a hotel, they may not charge your card until the end of your stay. If the time between when you make your reservation and the end of your stay exceeds 14 days, your virtual card will no longer be active and your purchase may fail. Understanding when a merchant will be charging your card is the key to a successful purchase!
Hotels have varying policies on when they'll charge a card during a stay, but in most cases they will charge your card at the end of a stay. If a hotel requests a payment method to have on file when booking a reservation, then it is best to provide a personal card. This is because your virtual card may become inactive before the hotel attempts to charge it at the end of your stay. When you've completed your stay at the hotel, you can then create a purchase request for the invoice total and pay for the hotel with your Zip virtual card.
Airline and Train purchase(s)
Airlines and train operators typically charge you the day you purchase the tickets, so you should be able to use the traditional in-store or online flow. It should be noted, however, that merchants may have their own restrictions in place regarding payment methods accepted that can prevent a successful transaction.
Third-Party Travel Booking Sites
We support the use of third-party travel booking sites, such as Expedia, Priceline, Booking.com and Hotels.com. Similar to hotels, it is best to check when these sites will be charging your card and plan accordingly. If you're paying the full price up-front, then you can use your Zip virtual card at the time of the reservation. If they'll be charging your card at the end of the stay or travel, then it's best to use a personal card and pay the final invoice with the virtual card. While third-party travel booking sites accept Zip as payment method, individual airlines, hotels and rental companies can have restrictions that can prevent a successful transaction through these sites.
1 Zip can only be used for US purchases. Certain merchant, product, goods, and service restrictions apply. For example, for a $335 purchase, you’d make four $85.25 payments every two weeks starting today for a 31.11% annual percentage rate and a total of payments of $341. A $6 installment fee is charged at commencement - you pay $1.50 of this fee as a prepaid finance charge when you make your initial payment today. The remaining $4.50 is included in your future payments. Actual installment fees vary and can range from $0 to $7.50 depending on the purchase price and Zip product used. Actual amount of fee for your purchase will be reflected in checkout. Estimation of installment payment and annual percentage rate excludes potential tax and shipping costs. Zip Pay Anywhere and Zip Checkout financing through Zip issued by WebBank, except for Zip-originated loans in CO, NV, MA, and MD. All loans are subject to credit approval.