Zip pay

Pay with Zip

Zip creates simple, secure, fair and transparent credit and payment solutions that give shoppers
more freedom. Zip allows you to own the things you want now, and pay for them in 4 simple instalments.
All interest-free on purchases, which could be up to £1000.
Zip pay

Credit Broker Disclosure:

HHGL Limited trading as Homebase and Bathstore is authorised and regulated by the Financial Conduct Authority (FRN 917811). HHGL Limited is a credit broker not a lender and only offers credit products from Clydesdale Financial Services Limited trading as Barclays Partner Finance a member of the Barclays Group, authorised and regulated by the Financial Conduct Authority (FRN 311753). Registered in England. Registered No 2901725. Registered office: 1 Churchill Place, London, E14 5HP and Zip Co Finance UK Limited who are unregulated by the Financial Conduct Authority. HHGL trading as Homebase and Bathstore do not receive commission from Barclays Partner Finance or Zip Co Finance UK Limited (i.e. the lenders) in acting as a credit broker. All finance applications are subject to application, financial circumstances and borrowing history. Terms and conditions and eligibility criteria apply. HHGL Limited Registered Office: Witan Gate House, 500-600 Witan Gate, Milton Keynes, MK9 1BA. Registration No. 0533033.

Frequently Asked Questions

To shop using Zip, you need:

  • To be over the age of 18
  • To have a UK issued debit card
  • To be living in the UK
  • To have a good credit history
Zip performs a soft credit check with credit reference agencies to determine if you are eligible.
This does not impact your credit score.

When you get to the payment page, select Zip as a payment method.

If it’s your first time shopping with Zip, you’ll need to enter some personal details such as name, date of birth, mobile phone number and home address. Take care when entering your personal details as errors may prevent Zip from being able to verify your account or send you payment notifications.

Once approved, and you are happy with the instalment schedule, Zip will take the first instalment from the UK card you supplied when signing up.

Once accepted, your goods will be sent to you as they would with any other payment method. 

Payment information is processed securely by our payment gateway provider. All transactions
take place via secured connections that adhere to the latest industry standards and security protocols.

Once the merchant has notified us of the cancellation/return and we’ve accepted it, Zip will cancel any future scheduled payments as well as refund any amounts due.

As soon as we have registered your cancellation or return, Zip will process your refund within 10-15 business days.

Any partial refunds will be applied to outstanding instalments first.

Zip will automatically attempt to collect payment for your Pay In 4 purchase from the card you entered when you signed up to Zip.
If you miss a scheduled payment, Zip will give you 2 full days to process the payment yourself. On the third day after the payment was missed we will retry this payment again, if this retry is unsuccessful we will apply a £6 late fee to the instalment. A payment can be made by you at any time by logging into your Zip customer portal. Please make sure you have money in your account in advance of your payments coming out.
Zip will contact you directly by email and SMS in advance every time as a reminder. 

Refunds from Zip will be issued back to the card supplied to Zip.
Nope, Zip are not like some traditional finance companies. As long as you pay
your scheduled payments on time you will only pay the price advertised.

Payments are automatically scheduled to be taken every 2 weeks. 
You’ll pay 25% of your full purchase upfront, then 25% every 2 weeks for the next 6 weeks. 
Zip will try to take payment during the day and try again if unsuccessful. If this fails, or if you'd like to make a payment earlier, you can log into your Zip customer portal and manually make a payment. 
For more information, visit our Help pages at

Zip is the finance provider and will not have information regarding your order status. Please always contact the retailer directly about your purchases. 

You will be told on the Zip flow (screen) that your application was not successful and the system will take you back to the checkout page. You will be presented with a message to say payment was not authorised, please select a different payment method.

If you wish to know more about the reason for the unsuccessful application you can contact Zip directly.

We endeavour to provide you with an excellent customer service however we acknowledge that, at times, we may fail to meet your expectations. Should you be dissatisfied with the provision or our failure to provide a suitable service to you, you can make a complaint through any of the below channels:

  • Phone - 0333 241 2701
  • Web form -
  • Email: -
  • Post - FAO Customer Services, Bathstore, Witan Gate House, 500-600 Witan Gate, Milton Keynes, MK9 1BA

  • What to expect from us?

    We try to resolve complaints as soon as possible. Should we resolve your complaint by the close of the third business day following the day on which we receive your complaint, we will issue you with a written communication called a summary resolution communication acknowledging that you made a complaint and setting out that the complaint has been resolved and making you aware of your right to refer the complaint to the Financial Ombudsman Service should you be dissatisfied with the resolution.

    Should we consider that we are not able to resolve the complaint by the close of the third business day, we will issue you with a written complaint acknowledgement within five business days. Thereafter, we will investigate your complaint in order to reach a fair resolution. Please note that investigating your complaint may require us to contact you in order to obtain further information about your complaint and the allegations raised.

    We endeavour to issue you with a written final response within eight weeks.

    What options do you have should you be dissatisfied with our final response?

    Should you be dissatisfied with our final response, you have the right to refer your complaint to the Financial Ombudsman Service (‘FOS’). The FOS is an independent body established to settle disputes between UK-based financial companies and consumers. You are able to refer your complaint to the FOS on any of the below contact details:

    It is to be noted that complaints must be referred to the FOS within 6 months of receiving a final response or a summary resolution communication.

    You can find out more about the FOS by visiting:

    Pay in 4 interest-free instalments with Zip is a form of credit and is subject to Terms & Conditions. Warning: Failure to keep up with payments will impact your credit file and potentially your ability to access credit in the future. For help, go to