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

37.3/100 thin ▬ flat Agent 24/100 agent aware Full breakdown ↓
scored 2026-07-27 · rubric v0.5

AccessFreemium

3 APIs

BNPLBuy Now Pay LaterDigital WalletPaymentsFintechCheckoutMerchant Services

Kin Score

Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5

Composite quality — 37.3/100 · thin

Contract Quality 11.8 / 25

Developer Ergonomics 3.5 / 20

Commercial Clarity 10.0 / 20

Operational Transparency 2.1 / 13

Governance 0.0 / 12

Discoverability 9.3 / 10

Agent readiness — 24/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 0 / 15

MCP Server 0 / 12

Machine-Readable Auth 0 / 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

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. 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. Want it done for you? Prioritized profiling — $2,500 →

APIs 3

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

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.

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.

  '
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: '0.19'
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:
  - 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
  - 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

Kin Score

APIs 3

Zip Global Merchant API

Zip US Gateway API

Zip NZ In-Store API

Pricing Plans 1

Plans

Rate Limits 1

Rate Limits

FinOps 1

Finops

Semantic Vocabularies 1

Apis Context

Security Posture 1

Zip Co Domain Security

Resources