Zip: UK 2026 Pricing & Fee Calculator
Zip (formerly Quadpay) splits purchases into instalments and pays the retailer up front. Like other BNPL providers, its merchant fee is set by agreement, so the figure here is typical.
What Zip charges
| Fee | Rate |
|---|---|
| Who pays the fee | The merchant (you), not the shopper |
| Merchant fee | Typically around 2% to 8% + fixed fee |
| Shopper cost | None (late fees may apply) |
| You get paid | Up front, in full |
How the fees work
Zip is an Australian-origin BNPL provider operating in the UK, paying retailers up front and collecting instalments from the customer. Its merchant commission is negotiated per business and is not published, so the 5% + 30p used here is a representative industry estimate.
As with all BNPL, the appeal is higher conversion and basket size in exchange for a fee well above standard card processing. Confirm your exact rate with Zip before pricing it in.
Check the official pricing
Fees change. Confirm the current rate at Zip for merchants.