Zip

Zip is a global BNPL (Buy Now Pay Later) and digital wallet platform that enables merchants to offer flexible payment plans to consumers at checkout. Zip provides REST APIs for checkout integration, order creation, payment capture, refunds, voids, merchant management, disputes, and consumer payment plan verification. The platform supports in-store, online, and ecommerce plugin integrations across Australia, New Zealand, the United States, Canada, and other markets.

Zip is listed with 3 APIs on the APIs.io network, including Global Merchant API, and 2 more. Tagged areas include Buy Now Pay Later, Digital Wallet, Payments, Fintech, and Checkout.

The Zip catalog on APIs.io includes 1 JSON-LD context.

Zip’s developer surface includes developer portal, engineering blog, status page, and 14 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

32.5/100 thin ▬ flat Agent 18/100 agent aware Front door AI 1/6 silent Heartbeat 97/100 alive saas Full breakdown ↓
scored 2026-11-06 · rubric v0.27.0 · Show this score on your site →

AccessFreemium

3 APIs

Buy Now Pay Later Digital Wallet Payments Fintech Checkout Merchant Services Australia

Kin Score

Kin Score How this is scored →
scored 2026-11-06 · rubric v0.27.0

Composite quality — 32.5/100 · thin

Contract Quality 6.5 / 21

Developer Ergonomics 8.9 / 17

Access Clarity 4.5 / 17

Operational Transparency 1.7 / 11

Contract Governance 0.0 / 10

Discoverability 5.6 / 9

Regulatory Posture 3.3 / 15

Agent readiness — 18/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 5 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Show this score on your site.

It updates itself when the score changes. Paste this where you link to your API docs:

<a href="https://apis.io/providers/zip-co/"><img src="https://apis.io/badge/zip-co/card.svg" alt="Zip on APIs.io — Kin Score by API Evangelist"></a>

Other styles, a README pill and a shields.io endpoint are on the badge page.

Raise your score.

Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship
Agentic Access Contract +10 pts — agentic_access artifact present (x-agentic-access), graded by author
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented)
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link

10 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Contract Quality scores 30.7 — up to +17.3 composite points
Access Clarity scores 26.3 — up to +14.7 composite points
Contract Governance scores 0.0 — up to +12.0 composite points

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/zip-co/apis.yml: open an issue on github.com/api-evangelist/zip-co to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Markets this provider is in provisional

The Kin Score Market layer reads a provider inside its market: its position, and how deep its integrations go. Depth is only comparable within a position. Provisional and unweighted: not part of the Kin Score or agent readiness.

Market	Position	Depth	Registered MCP server	Declares compatibility
MACH & Headless Commerce	core	21.6	-	-
Consumer Lending Licensing (UK, US, Canada credit licence registers)	core	21.6	-	-
E-commerce Extension Marketplaces (Adobe Commerce / Magento, Shopware)	core	21.6	-	-
Australia AFS, Credit and ADI Registers (ASIC + APRA licensing)	core	21.6	-	-
Official SDKs on Packagist, pub.dev and Hex	core	21.6	-	-

Registered MCP server and declares compatibility are report only — not weighted. Undeclared means we found nothing we can read, so there is no number: we never infer integrations.

Standards implemented 1

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

OpenAPI

measured — observed by APIs.io (published)

APIs 3

Individual APIs this provider publishes, each with its own machine-readable definition.

Zip Global Merchant API

The Zip Global Merchant API provides checkout, charge, capture, refund, and cancellation operations for merchants integrating Zip BNPL payments into their online storefront. It ...

Zip US Gateway API

The Zip US Gateway API enables North American merchants to authorize, capture, refund, void, and confirm orders. It uses HMAC-SHA256 signature authentication via the X-QP-Signat...

Zip NZ In-Store API

The Zip New Zealand In-Store API enables point-of-sale merchants to create, commit, cancel, rollback, and query orders in physical retail environments. It uses Bearer token auth...

Zip API pricing

Not yet checked against Zip's own pricing page. Compiled by API Evangelist; confirm before you rely on a figure. A free plan or tier is listed.

Plan	Price
Sandbox (Development)	Free
Production (Merchant Agreement)	—

Plan details, limits and sources →

Pricing Plans 1

Published pricing tiers and plan structures.

Plans

2 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

Rate Limits

0 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

Finops

FINOPS

Semantic Vocabularies 1

JSON-LD contexts and semantic vocabularies used across these APIs.

Apis Context

0 classes · 0 properties

JSON-LD

Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Zip Co Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 2

Portal, sign-up, and the first successful call

Portal

Portal

MerchantPortal

MerchantPortal

Build 2

SDKs, sample code, and the tooling you integrate with

GitHubOrg

GitHubOrg

SDKs

SDKs

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Security

Security

Operate 3

Status, limits, changes, and where to get help

RateLimits

RateLimits

Help

Help

Status

Status

Commercial 4

Pricing, plans, and the legal terms of use

Plans

FinOps

PrivacyPolicy

TermsOfService

Company 4

The organization behind the API

Website

Website

Blog

Blog

LinkedIn

Twitter

Twitter

Source (apis.yml)

name: Zip
description: 'Zip is a global BNPL (Buy Now Pay Later) and digital wallet platform that enables merchants to offer flexible
  payment plans to consumers at checkout. Zip provides REST APIs for checkout integration, order creation, payment capture,
  refunds, voids, merchant management, disputes, and consumer payment plan verification. The platform supports in-store, online,
  and ecommerce plugin integrations across Australia, New Zealand, the United States, Canada, and other markets.

  '
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: freemium
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Freemium
  confidence: low
  source:
  - plans
  - security
  generated: '2026-11-06'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/zip-co.png
x-docs-platform: readme
x-docs-platform-confidence: medium
x-docs-platform-checked: 2026-10-17
tags:
- Buy Now Pay Later
- Digital Wallet
- Payments
- Fintech
- Checkout
- Merchant Services
- Australia
tags_raw:
- BNPL
- Buy Now Pay Later
- Digital Wallet
- Payments
- Fintech
- Checkout
- Merchant Services
- Australia
created: '2026-06-13'
modified: '2026-06-13'
url: https://raw.githubusercontent.com/api-evangelist/zip-co/refs/heads/main/apis.yml
specificationVersion: '0.23'
apis:
- name: Zip Global Merchant API
  description: 'The Zip Global Merchant API provides checkout, charge, capture, refund, and cancellation operations for merchants
    integrating Zip BNPL payments into their online storefront. It uses Bearer token authentication and supports idempotent
    requests.

    '
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developers.zip.co/reference/api-docs
  baseURL: https://sand.merchant-api.com
  tags:
  - Checkout
  - Charges
  - Refunds
  - Buy Now Pay Later
  tags_raw:
  - Checkout
  - Charges
  - Refunds
  - BNPL
  properties:
  - type: Documentation
    url: https://developers.zip.co/reference/api-docs
  - type: GettingStarted
    url: https://developers.zip.co/v2/docs/getting-started
  - type: Sandbox
    url: https://developers.zip.co/v2/docs/sandbox
  - type: Authentication
    url: https://developers.zip.co/v2/reference/authentication
  - type: OpenAPI
    url: https://developers.zip.co/llms.txt
  contact:
  - FN: Zip Developer Support
    url: https://help.zip.co/hc/en-au
    email: ''
- name: Zip US Gateway API
  description: 'The Zip US Gateway API enables North American merchants to authorize, capture, refund, void, and confirm orders.
    It uses HMAC-SHA256 signature authentication via the X-QP-Signature header and supports both synchronous and asynchronous
    response modes with webhook callbacks.

    '
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://docs.us.zip.co/docs/api-implementation
  baseURL: https://gateway.us.zip.co
  tags:
  - Order
  - Payments
  - Refunds
  - Webhook
  - North America
  tags_raw:
  - Orders
  - Payments
  - Refunds
  - Webhooks
  - North America
  properties:
  - type: Documentation
    url: https://docs.us.zip.co/docs/api-implementation
  - type: GettingStarted
    url: https://docs.us.zip.co/docs/introduction
  - type: CustomIntegration
    url: https://docs.us.zip.co/docs/custom-integration-guide
  - type: Callbacks
    url: https://developers.zip.co/v9-US/docs/callbacks
  contact:
  - FN: Zip US Integrations Team
    url: https://docs.us.zip.co/docs/introduction
    email: ''
- name: Zip NZ In-Store API
  description: 'The Zip New Zealand In-Store API enables point-of-sale merchants to create, commit, cancel, rollback, and
    query orders in physical retail environments. It uses Bearer token authentication derived from OAuth client credentials
    and supports both merchant-level and store-level authentication scopes.

    '
  image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
  humanURL: https://developers.zip.co/v4/docs/instore-api-specification
  baseURL: https://zip.co/nz/api
  tags:
  - In-Store
  - Point-of-Sale
  - Order
  - New Zealand
  tags_raw:
  - In-Store
  - Point of Sale
  - Orders
  - New Zealand
  properties:
  - type: Documentation
    url: https://developers.zip.co/v4/docs/instore-api-specification
  - type: Sandbox
    url: https://sandbox.zip.co/nz/api
  contact:
  - FN: Zip NZ Partner Support
    url: https://zip.co/nz/business
    email: ''
common:
- type: DomainSecurity
  url: security/zip-co-domain-security.yml
- type: Portal
  url: https://developers.zip.co
- type: Website
  url: https://zip.co
- type: MerchantPortal
  url: https://merchant.us.zip.co
- type: GitHubOrg
  url: https://github.com/zipMoney
- type: SDKs
  url: https://github.com/zipMoney
- type: Plans
  url: https://raw.githubusercontent.com/api-evangelist/zip-co/refs/heads/main/plans/plans.yml
- type: RateLimits
  url: https://raw.githubusercontent.com/api-evangelist/zip-co/refs/heads/main/rate-limits/rate-limits.yml
- type: FinOps
  url: https://raw.githubusercontent.com/api-evangelist/zip-co/refs/heads/main/finops/finops.yml
- type: Security
  url: https://zip.co/security
- type: PrivacyPolicy
  url: https://zip.co/au/privacy
- type: TermsOfService
  url: https://zip.co/au/terms
- type: Help
  url: https://help.zip.co
- type: Blog
  url: https://zip.co/au/blog
- type: Status
  url: https://status.zip.co
- type: LinkedIn
  url: https://www.linkedin.com/company/zip-co
- type: Twitter
  url: https://twitter.com/zipmoney

Zip API — frequently asked questions

Does Zip have an API?

Yes. APIs.io lists 3 APIs from Zip, including Zip Global Merchant API, Zip US Gateway API and Zip NZ In-Store API.

Is there an OpenAPI specification for the Zip API?

Yes. APIs.io indexes 1 OpenAPI specification for Zip, each linked for download from this page.

How do I authenticate with the Zip API?

Zip uses bearer-token authentication.

How much does the Zip API cost?

APIs.io lists 2 pricing plans for Zip, with each plan's price, limits and inclusions under Pricing on this page.

Is the Zip API ready for AI agents?

Zip has a Kin Score of 32.5 out of 100 (thin) and an Agent Readiness score of 18.0 (agent-aware), scored by API Evangelist on 2026-11-06.

Work with this as data

Every provider here is available over the APIs.io API and to AI agents over MCP.

MCP server

One button, every client — Claude, Cursor, VS Code and the rest.

https://apis.io/mcp

Tools for providers

9 MCP tools reach this

find_providersBrowse and filter every provider in the catalog.
get_provider_artifactsEvery artifact this provider publishes, grouped by type.
get_provider_operationsEvery operation across all of their OpenAPIs — one call instead of parsing every spec.
get_provider_toolsEvery MCP tool they ship, with the operation each wraps.
get_provider_evidenceHow each part of their score was established. Free — the basis for a claim should not sit behind it.
get_provider_ratingPRO — composite, band, trend and facet scores.
apis_io_searchSTART HERE — APIs, providers and tags for one query, each with its total.
resolveTurn a domain, URL or GitHub org into the provider it belongs to.
find_cohortsEvery scored population of providers in the catalog.

All 92 tools →

Call it yourself

curl for this page

This provider

curl "https://apis.io/api/v1/providers/zip-co"

All providers

curl "https://apis.io/api/v1/providers?limit=25"

Every operation they expose

curl "https://apis.io/api/v1/providers/zip-co/operations?limit=25"

How their score was established

curl "https://apis.io/api/v1/providers/zip-co/evidence"

Calls without X-API-Key need no key. Calls with it need a paid plan — get a key.

Get an API key

Free tier, no form to fill in. Signing in shares your email address with us — we store it to create your key and to recognise you if you sign in with another provider. See our Privacy Policy and Terms.

GitHub Google LinkedIn

A second provider on the same verified email joins the account you already have.