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Updated July 2026 · real, multi-region App Store reviews
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The verdict on

Zip

60
User verdict / 100 High confidence Divided

Zip is a popular buy now, pay later (BNPL) app that many users find helpful for managing expenses and making purchases, but recent reviews highlight significant issues with payment processing, customer service, and app functionality.

4.9★ lifetime (836,438) Free to download since 2019 by Zip Co US, Inc. updated 0.4 mo ago recent negative 8% 120 reviews across 1 regions
Customer Service Payment Issues Convenience & Accessibility App Functionality & Bugs
5★220
4★6
3★3
2★4
1★17
recent reviews across 1 regions, vs the 4.9★ lifetime average

Zip is a buy now, pay later (BNPL) application that allows users to split purchases into manageable payments, often praised for its convenience and widespread acceptance. However, recent user feedback indicates a concerning trend of issues including double charging, transaction failures, account suspensions, and unresponsive customer support, despite the app's high lifetime rating.

What users like

  • Convenient for splitting payments and managing budgetsR11R15R28R33
  • Widely accepted at various online and in-store merchantsR5R8R12R32
  • Easy to use and quick approval processR5R29R33R39
  • Helpful in emergencies and for essential purchases like groceriesR9R13R21R22

What users complain about

  • Frequent issues with double or incorrect payments and chargesR26R63R102R212
  • Poor and unresponsive customer service, often leading to unresolved issuesR3R30R35R44
  • Transactions failing or declining despite approval and initial payments takenR3R14R35R44
  • Account suspensions or inability to use the app without clear reasonsR30R44R64R147
  • App glitches and login problems are common, hindering usabilityR83R102R118R147
  • Lack of flexibility in payment day selection and limited monthly payment optionsR66R185

Latest update · v1.250.4

What the developer says changed (the verdict above weighs this against what reviewers report):

Bug fixes, performance improvements, and new features

Recurring themes

Payment Issues negative
Many users report being double-charged, overpaid, or having payments processed incorrectly. Some transactions fail at checkout even after initial payments are taken, leading to confusion and financial strain. The app sometimes combines multiple payments without clear explanation.R14R26R35R63
Customer Service negative
A significant number of reviews criticize Zip's customer service as unresponsive, unhelpful, and difficult to reach. Users report long wait times, being given the 'runaround,' and issues being escalated to an 'internal team' that never follows up. This is a direct contradiction to the developer's notes claiming 'performance improvements'.R3R30R35R64
App Functionality & Bugs negative
Users experience various app glitches, including login problems, identity verification failures, and error messages preventing purchases. Some accounts are suspended without clear reasons, and the app can be difficult to navigate for new users. This contradicts the developer's notes about 'bug fixes and performance improvements'.R83R102R118R147
Convenience & Accessibility positive
Many users praise Zip for its convenience in splitting payments, helping with budgeting, and being a 'lifesaver' for essential purchases like groceries or bills. It's noted for being widely accepted and having a straightforward approval process.R5R8R12R15

Who it's for

Zip is for individuals who need flexibility in paying for purchases, especially those on a budget or facing unexpected expenses, who are comfortable with potential customer service challenges. It is not for users who require flawless transaction processing or immediate, effective customer support for issues.

Evidence note: The recent reviews skew heavily negative, contrasting sharply with the high lifetime rating. Many positive reviews are very brief and generic, while negative reviews provide detailed accounts of issues. The developer's notes about bug fixes and performance improvements are directly contradicted by numerous recent user reports of ongoing bugs and poor performance.

Frequently asked

Can I choose my payment days with Zip?
Based on recent reviews, users wish they had the option to update or pick their payment days to align with their pay schedule, suggesting this feature is currently not available R66.
Does Zip help build credit?
One user noted that Zip does not directly help build or hurt credit, which could be a factor for those looking to improve their credit score R55.
What happens if a transaction is pending or declined?
Users report that pending transactions may not be clearly warned about, leading to unplaced orders, and declined transactions can still result in initial payments being taken with long refund processes R3R35.

What reviewers actually said

Built only from these 120 real reviews (foreign ones translated). Superscripts jump to the quote here. Apple has no per-review links, so [ref] opens that app's reviews on the App Store.

  1. [R11] 5/5 · US Excellent: I enjoy the service and flexibility of payments.
  2. [R15] 5/5 · US I love ZIPPPP!: Thank God for the creators of ZIP. After raising 5 children and battling tons of debt for college and my medical bills. I feel as if I ZIP didn’t judge me, they took one for the TEAM.They gave me a chance, now I can purchase things for my Grandchildren and myself now, the people at zip allow me the luxuries. Just make certain you pay them on the dates you specify. They give you op
  3. [R28] 5/5 · US Perfect: This app makes it so easy to purchase items that I need and want to take care of. I never have worry about how to payment plans as it’s transparent and simple to understand.
  4. [R33] 5/5 · US Perfect!: I've had a great experience using the Zip app. It's easy to navigate, the approval process is quick, and splitting purchases into manageable payments has been very convenient. The app is user-friendly, payments are easy to track, and I appreciate the reminders before each payment is due. Overall, Zip has made budgeting for larger purchases much easier. I would definitely recommend it to
  5. [R5] 5/5 · US Number 1: This is by far the best “buy now, pay later” app. Never hassled me about lack of credit and so easy to use. Can use everywhere on anything.
  6. [R8] 5/5 · US The most versatility: You can use your virtual card anywhere
  7. [R12] 5/5 · US Accepted at most places: There are sometimes when things are tight and it is such a relief when I can use Zip!
  8. [R32] 5/5 · US Will forever use Zip !: Love this app especially the fact that you can search using Google/url and shop from any store . Easy user interface very straight forward and always an amazing experience
  9. [R29] 5/5 · US Fast, easy, and secure!: The zip app is very easy and straight forward. You know, how much up front and payments are easily drafted. It is very helpful especially for people whom may not get paid in the summer. Have never had a problem. Recommend them to anyone!
  10. [R39] 5/5 · US Great app: So far things have been great on Zip. I’ve used Zip twice already for payment. It’s been no problems whatsoever. I love how fast is it excepting me and I love how fast the set up process is on Zip highly recommend using Zip.
  11. [R9] 5/5 · US Bjs: I love ZIP it has helped me when I dodnt have money to pay the full amount
  12. [R13] 5/5 · US Amazing: ZIP is an incredible card that you absolutely need to have! It has been a tremendous help during my toughest moments. I highly recommend it to everyone - you won't regret it!
  13. [R21] 5/5 · US Very Helpful: This app helps out when you really need it
  14. [R22] 5/5 · US Loooove: You all are awesome. I lost my job and you all kept me going thank you
  15. [R26] 2/5 · US OVERPAYMENTS: I used zip religiously for YEARS, now they’re taking 2-3 payments out, I have 4 active orders and they took out 6 payments yesterday(2 of them were charged twice) even customer service agreed when I showed them my bank statement compared to my zip app. Did I get refunded? NOPE. Did they honor the overpayment? ALSO NO. I will never ever use zip again and I will NOT be paying the rest
  16. [R63] 5/5 · US Walmart order: I really hope I wasn’t charged twice for a 180.00 order that was duplicated. My checking was charged and so was my zip.
  17. [R102] 1/5 · US Terrible, Glitch filled app, even worse customer service, avoid at all cost: UPDATE: APP IS STILL JUNK Take a look at recent reviews, fraud, bad service, unethical practices, these reviews are everywhere recently. ZIP has become nothing more than an app designed to steal. ZIP may have been good once, but those days are long over, all that’s left is a scam filled hums. Their payment system is
  18. [R212] 1/5 · US Dispute Resolved by My Bank, But Zip Refuses to Correct Its Records. Lack of Accountability: My experience with Zip's customer service has been extremely disappointing. I discovered a charge that I did not recognize and, believing it might be fraudulent, filed a dispute with my bank. Later, I learned that the charge was from Zip and was informed that Zip sometimes combines multiple payments into a
  19. [R3] 1/5 · US NO WARNING ABOUT PENDING TRANSACTIONS: Who orders fast food to pick up on 24 hours? Must be the staff at Zip… I ordered and got my pickup time only to arrive at a restaurant with no confirmation and no order placed . Reopening the app said transaction is pending BUT Zip gave a pickup and no warning about pending payments. ALSO there nobody on the help lines (no supervisor) who can escalate help
  20. [R30] 1/5 · US Worst app ever: I had been using zip for years paid every payment on time I one day logged into my account and it says my account is suspended when I look at my history Every time I called customer service multiple times about this situation they give me the run stop every time my issue is never resolved
  21. [R35] 1/5 · US Scam!: Warning! I was approved at check out at Best Buy. Com. Zip approved it, took my $100 down payment and then their card declined at check out even though ZIP popped up as a partner with Best Buy. Contacted support who had no answers besides, it was declined and you’ll get a refund in 13 DAYS. Insane! Completely ripped off
  22. [R44] 1/5 · US One Internal Problem After Another.: I’ve had my account for over 5 years now. Recently, since June of last month, I have been getting all sorts of interface issues. One issue is where I attempted to make a purchase, I received the message “Pay with Zip temporarily on hold.” The app instructed me to pay the installments that were preventing me from continuing to use Zip. I immediately paid both
  23. [R14] 1/5 · US I need my refund: Printing fake payments to pay merchant.. running leave there Calculating due amount without transaction they don’t complete
  24. [R64] 1/5 · US Internal team: Why is the internal team the only one to fix your issue, I’ve been trying to get a hold of them for the past couple of days… no response I got my zip back I can’t even use it. Can somebody please fix this issue
  25. [R147] 1/5 · US 🤷🏽‍♂️: This app is ridiculous. It wants to check my identity and I took a picture of my identification over six times and then it kicked me out saying that it will not allow me to use the app no longer, and that I still have to pay my balance. Which of course I’m going to pay for. Why am I not allowed to use the app? Even after I’ve been trying to raise my limits and using app more
  26. [R83] 3/5 · US Recent update: Can’t open app. Is it my political stance or just a bug again?
  27. [R118] 1/5 · US F: It’s my first time installing this app and when I try to sign up it kept saying they did t recognize my decide and send a code to a gmail that doesn’t even exist
  28. [R66] 3/5 · US Option to pick your payment days: I just wish I gave you the option to update or pick the days to make the payment based on your pay
  29. [R185] 3/5 · US Shopping: Don’t never do monthly which would help out a lot
  30. [R55] 5/5 · US is for toys, not for survival.: -1 star - in my experince I cant use to help pay child support, cant use it on rent, cant use it on utilities, not accepted at doctors offices, cant use it to make split payments, no incentive to use for gas when its gonna add $5 to the price, does NOT help build credit or hurt credit DIRECTLY. +1 star - because it doesnt effect your credit score negatively. (or po

Synthesized from 120 recent App Store reviews · updated July 2026 · View on the App Store