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Updated July 2026 · real, multi-region App Store reviews
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Is it worth paying for

Zip

65
Value score / 100 Worth paying? No Skip it

Zip is a highly-rated buy now, pay later (BNPL) app that offers significant convenience and flexibility for managing purchases and bills, but recent reviews highlight critical issues with payment processing, customer service, and account access.

Free to download seen up to $840 4.9★ lifetime (836,438) since 2019

Zip is a popular buy now, pay later app that many users find helpful for budgeting and making purchases in installments. However, recent negative reviews indicate serious problems with double charging, unhelpful customer service, and account suspensions, making it a risky option despite its high lifetime rating.

Free vs paid

The app is free to download and use, functioning as a buy now, pay later service where users split purchases into installments R5R28R33. There are no explicit paid tiers or subscriptions mentioned in the reviews. The in-app purchases listed (e.g., $1, $3.50, up to $840) likely refer to the initial down payments or installment charges for purchases made through the service, rather than a subscription for premium features. Some users mention perks like free Netflix or Apple Music for a month, which are tied to using Zip for payments .

Value complaints

  • Users are being double or triple charged for payments, and customer service is not issuing refunds or honoring overpayments.R26R102R63R212
  • The app charges initial down payments but then declines the transaction, leading to long refund waits or no refund at all.R35R244
  • The app sometimes processes a transaction as pending without warning, leading to issues with order fulfillment and no immediate resolution from support.R3

Where it delivers

  • Zip is widely praised for its convenience and ease of use, allowing users to split purchases into manageable payments.R5R28R29R33
  • Many users appreciate Zip's flexibility, including the ability to use a virtual card almost anywhere and adjust payment dates.R5R8R11R12
  • The app is considered a 'lifesaver' by many, helping them afford necessities like groceries, pay bills, and manage finances during difficult times.R9R13R21R22
  • Users report quick approval processes and transparent payment plans without hidden fees.R28R29R33R39
Worth paying if

It is not applicable to recommend paying for Zip, as there are no distinct paid tiers or features mentioned in the reviews. Users pay for their purchases in installments through the app.

Skip / stay free if

You should skip using Zip if you are concerned about potential double or triple charges for payments, as multiple recent reviews report this issue with no refunds R26R102. You should also avoid Zip if you require reliable customer service, as many users describe it as non-existent, unhelpful, or slow, especially for resolving critical issues like refunds or account suspensions R3R26R30R35. Furthermore, if you rely on consistent account access and functionality, you might want to skip Zip due to frequent reports of app glitches, login problems, and sudden account suspensions without clear reasons R30.

Evidence note: While the lifetime rating is exceptionally high, a significant number of recent negative reviews highlight critical issues that contradict the overall positive sentiment. The negative reviews focus on severe problems like fraudulent charges, poor customer service, and app malfunctions, which are not reflected in the high average rating.

Frequently asked

Is Zip a reliable buy now, pay later app?
While many users have found Zip to be reliable for years, recent reviews indicate significant issues with payment processing, including double charging, and extremely poor customer service, making its current reliability questionable R26R30R102R250.
Does Zip affect your credit score?
According to one user, Zip does not directly affect your credit score either positively or negatively R55.
Can you use Zip for all types of purchases and bills?
Many users praise Zip for its versatility, allowing them to use it for various online and in-store purchases, including groceries and bills R5R8R12R32. However, one user noted it cannot be used for child support, rent, utilities, or doctor's office visits R55.
What are the common complaints about Zip's customer service?
Common complaints about Zip's customer service include unresponsiveness, long wait times for replies, inability to resolve issues, and being directed to an 'internal team' that is difficult to reach R3R26R30R35.

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. [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
  2. [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
  3. [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.
  4. [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
  5. [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
  6. [R244] 1/5 · US Trash Customer Service: I tried purchasing a plane ticket via expedia with zip but the order with the zip card never went through. Zip still charged me the first payment and the order is still active even though i reported it as it never went through. I have tried multiple times to get help via customer support email and on the app chat as well (even on the chat they take hours to reply) but all i
  7. [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
  8. [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.
  9. [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.
  10. [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!
  11. [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
  12. [R8] 5/5 · US The most versatility: You can use your virtual card anywhere
  13. [R11] 5/5 · US Excellent: I enjoy the service and flexibility of payments.
  14. [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!
  15. [R9] 5/5 · US Bjs: I love ZIP it has helped me when I dodnt have money to pay the full amount
  16. [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!
  17. [R21] 5/5 · US Very Helpful: This app helps out when you really need it
  18. [R22] 5/5 · US Loooove: You all are awesome. I lost my job and you all kept me going thank you
  19. [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.
  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. [R250] 1/5 · US Worst customer service: They will take 10 minutes to reply to the simplest request, only to tell you they can’t help you. They just have the worst customer service set up imaginable. Starting with AI that can never help, then you wait 10-15 minutes for a person, who then takes another 10-15 minutes to reply, to tell you they cannot help, and then will ignore any further comments.
  22. [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
  23. [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

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