Zip

Overview

Zip (formerly Quadpay) is a buy-now-pay-later (BNPL) service that lets shoppers split purchases into four interest-free installments. When integrated into an e-commerce store, Zip's scripts display installment pricing previews on product pages (e.g., "4 payments of $25.00") and provide the checkout modal where customers apply for and complete Zip-financed purchases. Zip competes with Afterpay, Klarna, and Affirm in the BNPL space.

Zip is available primarily in the United States, Australia, and select other markets. For merchants, it serves as an additional payment method that can increase conversion rates and average order values by reducing the perceived cost barrier for shoppers.

What This Script Does

When Zip is integrated on an e-commerce website, the following occurs:

• Installment widget rendering: Zip's JavaScript renders pricing widgets on product pages and cart pages showing the per-installment cost (typically the total divided by four). These widgets update dynamically as the product price or cart total changes.
• Checkout modal: When a customer selects Zip as their payment method, the script launches a modal or redirects to Zip's hosted checkout flow where the customer authenticates, undergoes a soft credit check, and confirms the installment agreement.
• Order communication: The script transmits order details (items, prices, shipping information) to Zip's servers to initiate the payment agreement. Zip pays the merchant upfront and collects installments from the customer directly.
• Fraud and identity verification: During the checkout flow, Zip collects device fingerprint data and personal information for identity verification and fraud prevention as part of its underwriting process.
• Session cookies: Zip may set cookies to maintain the checkout session state and recognize returning Zip customers for a streamlined experience.

The scripts are exclusively focused on the payment function — displaying installment pricing and facilitating the BNPL checkout. No marketing tracking or behavioral profiling is performed.

Consent & Compliance

Zip's scripts serve an essential e-commerce function — they are a payment method that customers actively select during checkout. Like other payment processing services, BNPL widgets fall into the "strictly necessary" category under the ePrivacy Directive when the customer initiates the payment flow.

The installment pricing widgets on product pages are informational and directly tied to the payment service offered by the store. They do not track visitor behavior or set marketing cookies. The fraud detection and identity verification during checkout are integral to the financial service being provided and are required by financial regulations.

Zip's data collection during the checkout flow (personal information, device fingerprint) is governed by Zip's own terms of service, which the customer agrees to when they apply for the installment plan. This creates a direct contractual relationship between the customer and Zip.

Should You Block This Without Consent?

No. Zip is a payment processing service that customers actively choose during checkout. Its scripts display installment pricing information and facilitate the payment flow, both of which are essential to the service the customer has requested. Blocking Zip would prevent customers from using an offered payment method.