ZipPay Glitches Cost Us Both As Merchant + Customer
I’ve dealt with Zip both as a high-volume merchant (>$6M annual turnover; thousands of monthly transactions) and as a customer. Both experiences were poor.
Merchant side: Repeated cases where customers paid successfully, yet Zip’s API returned “payment not processed.” Each incident came with a different excuse from support. I’m a web developer and provided technical detail and logs—no durable fix, just deflection.
Customer side: I tested Zip myself. A $15 installment failed even though my credit card had >$1,000 available. Zip charged a late fee and marked the attempt as “insufficient funds.” Within 30 minutes of that attempt, multiple other card transactions cleared without issue. My bank explained—technically—why Zip’s reasoning didn’t hold. The late fee stood.
From what I’ve seen (and from the number of our own customers who complained about Zip), these aren’t edge cases. They feel systemic. I’m closing the account and won’t recommend Zip.
Reply from Zip AU