Your physical Zip Card works in-store*, not online, nearly anywhere Visa** is accepted! Your physical card is ready to use as soon as you receive it. There is no need to activate it! The physical Zip Card allows you to use your Estimated Spending Power*** (subject to approval of your purchase request), making it even easier to checkout in-store. Simply make a purchase request of $35 or more in the app, and use the physical card to pay.
- Select “in-store” on the Zip app home screen or scan the QR code on your Zip Card.
- Enter your order total in the app, don’t forget to include tax!
- A new virtual card will be created and automatically loaded onto your physical Zip card.
- Don’t worry if the card numbers don’t match - a new virtual card number has been created and added to your physical Zip card.
- Tap, dip, or swipe your physical Zip card to complete the payment
If you've been notified your physical Zip Card has been delivered, but cannot locate it, check to make sure your residential address on your Zip account is correct, then follow the steps below in the Zip app:
- Go to the "Account" tab
- Select "Zip Card"
- Tap "Report as lost or stolen"
*Zip can only be used for US purchases. Certain merchant, product, goods, and service restrictions apply.
**VISA is a trademark owned by Visa International Service Association and used under license.
***Your Estimated Spending Power is a point-in-time estimate of how much you may be able to spend, is not guaranteed, and is impacted by a number of factors. Zip or WebBank may decrease your estimated spending power within its reasonable discretion, including where you have previously had an unpaid balance or have an amount past due. 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.