Feel Better, Pay Later
Now you can shop all your favorite wellness products and pay over time, interest-free! You pay using your credit card or debit card and ZIP automatically splits the purchase amount into 4 interest-free payments, every two weeks. And you still earn PainBuster® loyalty points!
Why ZIP?
- SAFER THAN CREDIT
- INSTANT APPROVAL
- SIMPLE & TRANSPARENT
How to Use ZIP?
Select the In-Store tab
Enter your total purchase amount.
Review your payment plan
Confirm your amount and payment method to generate your virtual card.
Add to your wallet
Keep Zip in your Apple Wallet or Google Pay for easy access.
Tap to pay!
Pay with your wallet to complete your purchase.
Frequently Asked Questions
What is Zip?
How do I sign up for Zip?
Download the Zip App! Once you have, click here for steps on signing up. OR
Sign up during the checkout process on any of our Exclusive Partner's websites. Simply select Zip as your payment method and follow the prompts.
What stores accept the Zip app?
With the Zip App, you can take Zip with you and pay in four installments* anywhere that Visa is accepted both online and in-store.
Our app store directory lists some great places where you can start shopping with Zip or search for your favorite. If you don't see your favorite brand, use the search box to type in the name of the store. Once you're finished adding items to your order, simply tap Pay with Zip, enter an amount equal to order greater than your order total (including shipping and taxes), and create your Zip Virtual Card for your order! For more help on placing a Zip order, click here.
Note: There are a few categories of stores which sell restricted items that Zip chooses to block. Examples include vaping products, legal cannabis, guns & munitions, and others.
What is a Zip Virtual Card?
Every time you use Zip to split a purchase into 4 equal payments*, whether through the Zip App or a Zip Exclusive Partner's online store, you are provided the option to "Pay with Zip" at checkout.
When placing your order using Zip, you will be asked to enter how much you plan on spending for your order. The amount you enter here, called your "Purchase Request", determines the funds loaded onto your one-time Zip Virtual Visa Card and must be equal to or greater than your order total (including shipping and taxes).
How much can I spend using the Zip app?
Every time you use Zip to split a purchase into 4 equal payments*, whether through the Zip App or a Zip Exclusive Partner's online store, you are provided the option to "Pay with Zip" at checkout.
Your spending power is not an open line of credit. Each transaction is separately reviewed for approval. For additional details, please see the terms and conditions.
Does Zip approve every order?
Zip assesses every order at the time it is placed. Our automated system takes into account various factors to determine whether you are approved for an order, and each is assessed individually.
When you place an order using Zip, an authorization for 25% of your purchase amount is made at the time of your purchase to confirm your installment plan. If you don't have these funds available, your order will not be approved.
Any Zip app orders that exceed your spending power ("available balance") will also not be approved. Be sure to reduce your order value to be equal to or less than your Zip spending power.
How We Can Help
We’re here for you.
Our award-winning Customer Satisfaction Team will help you every step of the way! Feel free to contact us:
If you have any questions about ZIP or any of our other programs, please reach out! Your satisfaction is our top priority.
