Zip provides digital wallets that allow users to split purchase costs into manageable installments. There are three primary tiers:

: Through a virtual Visa card, Zip can be used online and in-store anywhere Visa is accepted, even if the merchant does not officially partner with Zip.

: Interest-free if the end-of-month balance is under $1,000; a rate (approx. 13.70% p.a.) applies if the balance exceeds this threshold.

: Geared toward larger purchases (up to $5,000 or more via specific merchants) with reusable credit up to $30,000.