# Zip

**Canonical:** https://apis.io/providers/zip-co/  
**Website:** https://zip.co  
**APIs profiled:** 3

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.

## Kin Score — 30.6 / 100 (thin)

Scored 2026-08-20 under rubric 0.12.0. Trend: flat (+0.0 from 30.6).

| Facet | Score |
|---|---|
| Discoverability | 68.5 |
| Contract Quality | 35.2 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 15.8 |
| Developer Ergonomics | 16.7 |
| Commercial Clarity | 50.0 |
| Access Clarity | 50.0 |

Regulatory layer — **Payments**: 29.7 (matched via tags).

## Agent readiness — 18.4 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | no |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | documented |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Access

Freemium — onboarding: unknown, pricing: freemium, trial: no (confidence: medium).

## APIs (3)

- **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...

## Security (1)

- **Zip Co Domain Security** — TLSv1.3 · HSTS · DMARC

## Plans (1)

- **Plans**

## Tags

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

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/zip-co/). Scores are computed from the provider's own public artifacts under a published rubric.