Zip
国家/地区: 新西兰 (NZ) | 底层清算轨道: bank_clearing
BNPL
市场普及率: 4%
Zip 是新西兰主流的本土先买后付（BNPL）金融服务商，以 4 期灵活免息分期和线上线下无缝打通为核心，广泛用于品牌独立站、家居数码及大型零售商超。
🔄 用户付款交互流 (User Flow)
- User selects Zip at checkout or generates in-store barcode in Zip app
- User authorizes first 25% payment from linked card or account
- Remaining 3 installments are debited fortnightly over 6 weeks
- Instant order confirmation is provided to both buyer and seller
⚙️ 支付与结算特征
| 即时清算 | YES |
| 扫码支付 (QR) | YES |
| 订阅自动代扣 | YES |
| 退款支持 | YES |
🛠️ 商户端标准集成步骤 (Merchant Integration)
- Merchant integrates Zip Checkout API or plugin
- Zip assesses buyer risk in real-time and captures transaction
- Zip disburses full transaction amount upfront to merchant bank account
- Merchant ships goods immediately
🚀 支持集成该渠道的主流收单服务商 (Supported PSPs)
🔌 Stripe🔌 Adyen