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 publishes 1 API on the APIs.io network: Global Merchant API. Tagged areas include BNPL, Buy Now Pay Later, Digital Wallet, Payments, and Fintech.

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 📡 Source on GitHub

37.5/100 thin ▬ flat Agent 18/100 agent aware saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0

AccessFreemium

3 APIs

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

Kin Score

Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0

Composite quality — 37.5/100 · thin

Contract Quality 7.1 / 21

Developer Ergonomics 7.9 / 17

Access Clarity 8.5 / 17

Operational Transparency 1.7 / 11

Contract Governance 0.0 / 10

Discoverability 5.8 / 9

Regulatory Posture 5.9 / 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

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/.

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 github.com/api-evangelist/zip-co: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

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...

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: medium
  source:
  - plans
  generated: '2026-07-22'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/zip-co.png
tags:
- BNPL
- Buy Now Pay Later
- Digital Wallet
- Payments
- Fintech
- Checkout
- Merchant Services
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
  - 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

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