Zip (Quadpay) Fee Calculators
Select your region to calculate exact merchant transaction cuts, Pay in 4 (5.90%), Zip Money financing, and net bank payouts.
Frequently Asked Questions
What are official Zip (Quadpay) merchant fees in 2026? ▼
In the United States and Australia, Zip charges merchants between 4.00% and 5.00% + $0.30 (or A$0.30) for Zip Pay everyday retail purchases up to $1,000.
What is the difference between Zip Pay and Zip Money in Australia? ▼
Zip Pay is designed for everyday shopping up to $1,000 with interest-free bi-weekly installments (4.0% + A$0.30 merchant fee). Zip Money is a licensed consumer line of credit for larger purchases ($1,000 to $5,000+) offering 3 to 36 months interest-free terms.
Does Zip refund merchant processing fees when a customer returns goods? ▼
No. When an order is cancelled or refunded, Zip adjusts the customer's installment schedule, but retains the non-refundable merchant transaction commission.
How does Zip integrate into in-store POS checkouts? ▼
Shoppers can generate a virtual Zip Card in their Apple Pay or Google Pay wallet to tap at any standard NFC POS terminal, or generate a 6-digit in-store checkout barcode.
How does Zip boost Average Order Value (AOV) for merchants? ▼
Retailers integrating Zip report an average 20% to 30% increase in checkout conversion rates and up to a 60% boost in basket sizes, especially for electronics, fashion, and home goods.
Does Zip perform hard credit checks on consumers? ▼
Zip Pay performs only a soft identity check with zero impact on consumer credit scores. Zip Money (high-ticket financing) performs a standard credit assessment in accordance with responsible lending laws.
What payout schedules apply to Zip merchant settlements? ▼
Zip settles approved merchant transactions directly into your nominated business checking account within 1 to 2 business days via automated direct deposit.
What e-commerce platforms offer direct Zip plugin integration? ▼
Zip provides verified integrations for Shopify, WooCommerce, Magento, BigCommerce, Salesforce Commerce Cloud, and Stripe with turnkey API setup.