Supported countries and payment options
DocsLimited
Last updated: Oct 30th, 1:26am
Zip offers flexible payment options tailored to each market:
- Pay in 4: Split purchases into 4 interest-free installments over 6 weeks (US)
- Zip Pay: Credit limit up to AUD 1,000 for everyday spending (AU)
- Zip Plus: Credit limit from AUD 2,000 to AUD 4,000 (AU)
- Zip Money: Credit line up to AUD 50,000 for larger purchases (AU)
| Country | Code | Currency | Payment Products |
|---|---|---|---|
| United States | US | USD | Pay in 4 |
| Australia | AU | AUD | Zip Pay, Zip Plus, Zip Money |
Payment amount limits
United States
| Payment Product | Currency | Minimum Amount | Maximum Amount |
|---|---|---|---|
| Pay in 4 | USD | $35.00 | $1,500.00 |
Australia
| Payment Product | Currency | Minimum Amount | Credit Limit |
|---|---|---|---|
| Zip Pay | AUD | $0.01 | Up to $1,000.00 |
| Zip Plus | AUD | - | $2,000.00 - $4,000.00 |
| Zip Money | AUD | $0.01 | Up to $50,000.00 |
Note: Credit limits in Australia are assigned based on customer creditworthiness and may vary within the specified ranges.
Restricted merchant categories
Zip is available to most merchant categories across both the US and Australian markets, but cannot be used with the following high-risk and restricted Merchant Category Codes (MCCs):
| MCC | Description |
|---|---|
| 5122 | Drugs, Drug Proprietors and Druggists Sundries |
| 5299 | Warehouse Club Gas |
| 5723 | Firearm and Ammunition Stores |
| 5933 | Pawn Shops |
| 5960 | Direct Marketing Insurance Services |
| 5962 | Direct Marketing–Travel Related Arrangement Services |
| 5963 | Door-to-Door Sales |
| 5964 | Direct Marketing–Catalog Merchants |
| 5965 | Direct Marketing–Combination Catalog and Retail Merchant |
| 5966 | Direct Marketing–Outbound Telemarketing Merchants |
| 5967 | Direct Marketing–Inbound Telemarketing Merchants |
| 5968 | Direct Marketing–Continuity/Subscription Merchants |
| 5969 | Direct Marketing–Other Direct Marketers–Not Elsewhere Classified |
| 5993 | Cigar Stores and Stands |
| 6010 | Member Financial Institution–Manual Cash Disbursements |
| 6011 | Member Financial Institution–Automated Cash Disbursements |
| 6012 | Member Financial Institution–Merchandise And Services |
| 7800 | Government Owned Lottery |
| 7802 | Government-Licensed Horse/Dog Racing |
| 9311 | Tax Payments |
| 9950 | Intra-Company Purchases |
| 6050 | Quasi Cash–Member Financial Institution |
| 6051 | Quasi Cash–Merchant |
| 6211 | Securities–Brokers and Dealers |
| 6300 | Insurance Sales, Underwriting and Premiums |
| 6381 | Insurance–Premiums |
| 6529 | Remote Stored Value Load — Member Financial Institution |
| 6530 | Remove Stored Value Load — Merchant |
| 6535 | Value Purchase–Member Financial Institution |
| 6536 | MoneySend Intracountry |
| 6537 | MoneySend Intercountry |
| 6538 | MoneySend Funding |
| 6539 | Funding Transaction (Excluding MoneySend) |
| 6540 | POI Funding Transactions (Excluding MoneySend) |
| 6611 | Overpayments |
| 6760 | Savings Bonds |
| 7280 | Hospital Patient-Personal Funds Withdrawal |
| 7321 | Consumer Credit Reporting Agencies |
| 7801 | Government-Licensed Casinos (Online or Internet Gambling) |
| 9223 | Bail and Bond Payments |
| 9754 | Gambling-Horse, Dog Racing, State Lottery |
Additionally, the following verticals are not allowed:
- Unlicensed Financial Services
- Unregulated Forex
- Gaming
- Adult
- Cryptocurrency
Restricted merchant categories in Australia
| MCC | Category Description |
|---|---|
| 8398 | Charity |
| 7995 | Gambling |
| 6211 | Forex / CFD |
| 6540 | Stored Value Card |
| 5933 | Pawn shops |
Note: Additional merchant category restrictions may apply. Contact PayPal for complete MCC eligibility requirements.