Zip BNPL United States 2026 • 5.90% + $0.30
Zip (Quadpay) United States Fee Calculator
Calculate exact merchant fees for Zip Pay in 4 (5.90%) and net payout in USD.
$
Presets:
Zip Processing Rate
5.90% + $0.30 standard US merchant rate for 4 bi-weekly payments.
Total Zip Merchant Fee
0.00% Effective
$0.00
Merchant Processing Deduction
Gross Transaction Total: $0.00
Percentage Cut (0%): $0.00
Fixed Transaction Cut: $0.00
Net Merchant Payout
$0.00
Default Risk
0% (Covered by Zip)
In Plain English: Calculating payout breakdown...
Fee Wealth Leakage Radar & Profit Drag
Payment Volume: 20 / month
Your Net Profit Margin: 20% Margin
5% (Low Margin Ecom) 20% (Agency) 50% (SaaS/Digital)
Annual Fee Drain
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Direct processor cut/yr
3-Year Outflow
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Cumulative friction
5-Yr Future Wealth
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Lost @ 8% investment
Profit Drag %
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Of your net profit taken
Bottom-Line Net Profit Split:
85.3% Kept
14.7% Absorbed by Fee
Multi-Rail Arbitrage ("Switch & Save")
Zip (Current)
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Active Baseline
ACH Direct Debit
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Save +$0.00
In-Person Terminal
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2.6% + 10¢
Int'l Card (+1.5% FX)
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Cross-Border Markup
%
Pass Fee to Client (Legal Surcharge Engine) Calculate zero-shortfall compliant markup & legal surcharge limits
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Pass Fee to Client (Legal Surcharge Engine) Calculate zero-shortfall compliant markup & legal surcharge limits
Target Net Payout
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Compliant Surcharge
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Final Gross Invoice
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⚖️ 2026 Legal Surcharging Compliance Rules:
• United States: Visa & Mastercard cap credit card surcharges at 3.00% (effective April 2023). Surcharging debit or prepaid cards is strictly illegal under federal operating rules.
• UK & European Union: Surcharging consumer debit and credit cards is prohibited under PSD2. B2B / corporate card surcharges remain permitted.
• Australia: Governed by RBA; surcharging is legally restricted strictly to the merchant's actual cost of card acceptance.
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Frequently Asked Questions about Zip in United States
1. What are Zip (Quadpay) merchant fees in the US for 2026? ▼
In the United States, Zip charges merchants 5.90% + $0.30 per completed order for standard 'Pay in 4' installment checkouts.
2. How does Zip compare to Klarna and Afterpay in the US? ▼
While Klarna and Afterpay typically charge between 5.0% and 6.0%, Zip offers flexible integration through virtual card numbers (Anywhere Zip) and allows consumers to finance purchases across any online store.
3. Can US merchants pass Zip processing fees to customers? ▼
Zip merchant agreements prohibit adding a dedicated fee or surcharge specifically for customers who choose Zip payment methods.
4. How fast do Zip payouts deposit into US merchant bank accounts? ▼
Zip deposits funds into your commercial bank account within 1 to 2 business days after shipping confirmation.
5. Does Zip assume consumer non-payment risk in the US? ▼
Yes. Zip guarantees 100% upfront settlement to the merchant upon fulfillment, absorbing all credit default and consumer non-payment risk.
6. What happens when an order paid with Zip is refunded? ▼
When you issue a refund via your eCommerce dashboard, Zip credits the customer's payment plan. Merchant percentage fees are non-refundable.
7. How does Zip integrate with Shopify and WooCommerce? ▼
Zip provides native plugins and Stripe Checkout payment method toggles, displaying instant payment widget badges on product pages.
8. Are Zip merchant fees tax-deductible for US companies? ▼
Yes. All fees deducted by Zip are 100% tax-deductible operating expenses on IRS federal and state tax filings.