Best Zip Payments Apps

224+ iOS apps curated and reviewed

4.7 avg rating
19 free apps
Updated June 2026

From beginner-friendly picks to power-user tools, our zip payments list covers 224+ iPhone apps updated through June 2026. Compare ratings, prices, and screenshots in one place.

Compare top Zip Payments Apps (June 2026)

#AppPriceRatingAdsIn-App PurchasesUpdated
1Zip - Buy Now, Pay LaterZip - Buy Now, Pay LaterFree4.9โ˜… (831K)YesNoJul 2026
2Afterpay: Pay over timeAfterpay: Pay over timeFree4.9โ˜… (752K)YesNoJul 2026
3Sezzle: Buy Now, Pay LaterSezzle: Buy Now, Pay LaterFree4.9โ˜… (292K)YesNoJul 2026
4Four | Buy Now, Pay LaterFour | Buy Now, Pay LaterFree4.8โ˜… (109K)NoNoJul 2026
5Klarna: Smarter everyday moneyKlarna: Smarter everyday moneyFree4.9โ˜… (2.3M)YesNoJul 2026
6Affirm: Buy now, pay over timeAffirm: Buy now, pay over timeFree4.9โ˜… (1.7M)YesNoJul 2026
7PayLater - Split in 4 paymentsPayLater - Split in 4 paymentsFree3.5โ˜… (266)NoNoJul 2026
8PayPal - Pay, Send, SavePayPal - Pay, Send, SaveFree4.8โ˜… (6.3M)YesNoJul 2026

Top Picks for Zip Payments

Zip - Buy Now, Pay Later#1

Zip - Buy Now, Pay Later by Zip Co US, Inc.

Shop & Pay in 4ยน
Editor's Choice
๐Ÿ›๏ธ Shopping
4.9๐Ÿ˜Š(831K ratings)
FreeAds
#64in Shopping
Zip - Buy Now, Pay Later screenshot 1
Zip - Buy Now, Pay Later screenshot 2
Zip - Buy Now, Pay Later screenshot 3
Zip - Buy Now, Pay Later screenshot 4
Zip - Buy Now, Pay Later screenshot 5
Zip - Buy Now, Pay Later screenshot 6

Split purchases into 4 or 8 interest-free installments, paid bi-weekly. Use online or in-store with a virtual or physical card. Earn cashback and potentially increase spending power with on-time payments.

What We Love

  • ๐Ÿ’ณ Convenient payment option
  • ๐Ÿค‘ Affordable payment plans
  • โฐ Flexible payment schedules
  • ๐Ÿค Helpful customer service

Room to Improve

  • ๐Ÿ› Unreliable app performance
  • ๐Ÿค” Unclear refund/return policies
  • ๐Ÿคทโ€โ™€๏ธ Inconsistent customer support
Afterpay: Pay over time#2

Afterpay: Pay over time by Afterpay Holdings Ltd

Shop Now. Split your payments.
Strong Contender
๐Ÿ›๏ธ Shopping
4.9๐Ÿ˜(752K ratings)
FreeAds
#35in Shopping
Afterpay: Pay over time screenshot 1
Afterpay: Pay over time screenshot 2
Afterpay: Pay over time screenshot 3
Afterpay: Pay over time screenshot 4
Afterpay: Pay over time screenshot 5
Afterpay: Pay over time screenshot 6

Shop your favorite brands online or in-store and split your purchases into manageable payments. Get what you want now and pay over time with flexible installment plans, including options to pay in 4 installments or monthly.

What We Love

  • ๐Ÿš€ Convenient payment plan
  • ๐Ÿ’ณ No interest or hidden fees
  • ๐Ÿค Good customer service (initially)
  • ๐Ÿ“ˆ Increasing credit limit with usage

Room to Improve

  • ๐Ÿ› App/website technical issues
  • ๐Ÿ”’ Security and privacy concerns
  • ๐Ÿค– Lack of human customer support
Sezzle: Buy Now, Pay Later#3

Sezzle: Buy Now, Pay Later by Sezzle Inc.

Shop & Pay in 4ยน
Worth Considering
๐Ÿ›๏ธ Shopping
4.9๐Ÿ˜ž(292K ratings)
FreeAds
Sezzle: Buy Now, Pay Later screenshot 1
Sezzle: Buy Now, Pay Later screenshot 2
Sezzle: Buy Now, Pay Later screenshot 3
Sezzle: Buy Now, Pay Later screenshot 4
Sezzle: Buy Now, Pay Later screenshot 5

This app allows you to buy now and pay later with interest-free installments over six weeks. Easily split purchases into four payments, manage your budget, and discover exclusive deals from thousands of retailers. Enjoy a seamless shopping experience with flexible rescheduling options and instant approval.

What We Love

  • ๐Ÿš€ Convenient payment option
  • ๐Ÿ’ณ Flexible payment plans
  • ๐Ÿช Wide range of partner stores
  • ๐Ÿ†™ Increased spending limit with on-time payments

Room to Improve

  • ๐Ÿค– Poor customer service
  • ๐Ÿ”’ Concerns about security and fraud
  • ๐Ÿ”„ Issues with rescheduling payments

More Zip Payments apps to explore

4
Four | Buy Now, Pay Later
Four | Buy Now, Pay Later
Four | Buy Now, Pay Later
Flexible Shopping & Payments
Free

Shop your favorite online stores and split purchases into four interest-free payments. Manage all your orders and payment schedules in one convenient app, with optional upgrades for exclusive benefits.

Split purchases into 4 paymentsPay every two weeksManage orders in one app
๐Ÿ›๏ธ Shopping
(109K)
freemium
5
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Klarna: Smarter everyday money
Cashback, payments, savings
Free

Shop anywhere with flexible payment options, including interest-free installments and pay-in-30-days. Earn cashback, compare prices, track deliveries, and manage returns easily. Also offers mobile phone service.

Flexible payment optionsInterest-free installmentsUp to 10% cashback
๐Ÿ’ฐ Finance
(2.3M)
free with in-app purchases
6
Affirm: Buy now, pay over time
Affirm: Buy now, pay over time
Affirm: Buy now, pay over time
Flexible payments, big savings
Free

This app allows users to pay for purchases over time with flexible payment options. It offers clear payment plans, deals, and the ability to set up automatic payments. Users can also apply for a card to use anywhere Visa is accepted for convenient installment payments.

Pay over time online and in-storeFlexible payment optionsDiscover 0% APR deals
๐Ÿ›๏ธ Shopping
(1.7M)
free with in-app purchases
7
PayLater - Split in 4 payments
PayLater - Split in 4 payments
PayLater - Split in 4 payments
The Only Way to Split Pay
Free

Split your purchases into four easy installments with this buy now, pay later service. Enjoy flexible payment options and secure transactions with no hidden fees. Shop at a wide network of top retailers.

Split payments into 4 installmentsFast and easy onboardingSecure PCI DSS-compliant transactions
๐Ÿ’ฐ Finance
(266)
free
8
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
PayPal - Pay, Send, Save
Savings, cash back, pay later
Free

Manage your finances with a secure app for online and in-store shopping, sending money globally, and earning cash back. It also offers savings accounts, cryptocurrency trading, and package tracking.

Send and receive money globallyEarn cash back offersRequest a debit card
๐Ÿ’ฐ Finance
(6.3M)
free with in-app purchases
9
ZOOD: Buy Now, Pay Later
ZOOD: Buy Now, Pay Later
ZOOD: Buy Now, Pay Later
Shop in up to 12 installments
Free

Shop now and pay over time with flexible installment plans. Access a vast selection of products from trusted sellers and use a virtual card for seamless online purchases. Stay within your budget while getting what you need.

Buy now, pay laterUp to 12 installmentsFlexible payment plans
๐Ÿ›๏ธ Shopping
(1.3K)
free
10
Deferit: Pay bills in 4
Deferit: Pay bills in 4
Deferit: Pay bills in 4
Save & build credit history
Free

Manage your bills and budget with flexibility. This app allows you to pay almost any service bill in four smaller installments with no interest. It also helps you save money by negotiating better deals with providers and builds your credit history by reporting on-time payments.

Pay bills in 4 installmentsNegotiate lower bill ratesBuild credit history
๐Ÿ’ฐ Finance
(30K)
free with in-app purchases
11
Zapperโ„ข QR Payments & Rewards
Zapperโ„ข QR Payments & Rewards
Zapperโ„ข QR Payments & Rewards
The rewarding way to pay.
Free

This app offers a fast, easy, and secure way to make payments for various services, from dining out to online shopping and bill settlement. Discover exclusive deals, earn loyalty points, and enjoy insider benefits by joining merchant tribes. It also simplifies splitting bills and provides a history of your transactions.

Fast, easy, and secure paymentsJoin merchant tribes for insider benefitsGet and spend free vouchers
๐Ÿ’ฐ Finance
(3.9K)
free with in-app purchases
12
Perpay - Shop and Build Credit
Perpay - Shop and Build Credit
Perpay - Shop and Build Credit
Shop, pay later, build credit
Free

Access up to $1,000 to shop for various goods and pay over time with no interest or fees. Build your credit history by reporting your payment activity to credit bureaus. Apply for a credit card with rewards and no annual fee.

Access up to $1,000 to spendShop top brands on marketplacePay over time with no interest/fees
๐Ÿ’ฐ Finance
(11K)
free with in-app purchases
13
Relay Payments
Relay Payments
Relay Payments
Digital payments for truckers
Free

This app offers instant digital payments for truck drivers to cover expenses like fuel, lumper fees, scales, and parking. It eliminates the need for cash or checks, providing pricing transparency and discounts at participating merchants.

Instant digital paymentsDiscounted fuel purchasesLumper fee payments
๐Ÿ’ฐ Finance
(30K)
free with in-app purchases
14
Katapult | Shop & Lease to Own
Katapult | Shop & Lease to Own
Katapult | Shop & Lease to Own
Browse, shop, lease, and own.
Free

Shop now and pay over time with a lease-to-own option that doesn't require credit. Browse over 100 retailers, manage your leases, and make payments easily through the app. Take home essential items without paying upfront.

Lease-to-own purchasesNo credit requiredFlexible payment options
๐Ÿ’ฐ Finance
(27K)
free with in-app purchases
15
iZip โ€“  Zip Unzip Unrar
iZip โ€“  Zip Unzip Unrar
iZip โ€“ Zip Unzip Unrar
The Best Zip File Manager
Free

This app is a powerful file management tool for handling compressed archives on iPhone and iPad. It allows you to unzip various archive formats, including password-protected ones, and compress files into ZIP archives. You can also view many document types and integrate with cloud storage services.

Unzip ZIP, RAR, 7Z, and more formatsCompress files into ZIP archivesPassword and AES encryption
๐Ÿ”ง Utilities
(62K)
free with in-app purchases
16
Melio Business Payments
Melio Business Payments
Melio Business Payments
A simpler way to pay vendors
Free

This platform simplifies business payments and collections, offering flexibility in how you pay vendors and get paid by clients. Manage bills, send invoices, and track payments all from your mobile device.

Automate bill paymentsFlexible payment optionsGlobal vendor payments
๐Ÿ’ฐ Finance
(1.4K)
free
17
iZip Pro -Zip Unzip Unrar Tool
iZip Pro -Zip Unzip Unrar Tool
iZip Pro -Zip Unzip Unrar Tool
The Best Zip File Manager
$9.99

This app is a powerful utility for managing compressed files on your iPhone and iPad. It allows you to unzip various archive formats, including password-protected ones, and compress files into ZIP archives. You can also open and view numerous document types directly from cloud storage services.

Unzip ZIP, RAR, 7Z, and more formatsCompress files into ZIP archivesPassword and AES encryption
๐Ÿ”ง Utilities
(4.9K)
paid
18
1app โ€“ Global Payments
1app โ€“ Global Payments
1app โ€“ Global Payments
US Account, Card & USDT Wallet
Free

This app provides a global payment solution for freelancers and businesses, offering dedicated foreign currency accounts and a virtual dollar card. Easily receive international payments, convert earnings at competitive rates, and access instant withdrawals to your local bank account.

Dedicated global accounts (US, UK, EU)Virtual dollar card for online paymentsBest exchange rates for currency conversion
๐Ÿ’ฐ Finance
(80)
free
19
FacilePay for Stripe Payments
FacilePay for Stripe Payments
FacilePay for Stripe Payments
Accept Credit Card Payments
Free

Accept credit and debit card payments on the go using your smartphone. This app simplifies on-the-spot transactions for small businesses, eliminating late payments and offering a user-friendly interface for managing finances.

Accept major credit/debit cardsSupport for 135+ currenciesCapture card details via photo or manual entry
๐Ÿ’ผ Business
(216)
free with in-app purchases
20
PaymentWiser - Stripe Payments
PaymentWiser - Stripe Payments
PaymentWiser - Stripe Payments
POS and payments for business
Free

Accept credit card payments on the go and online with a simple, intuitive app. It replaces traditional terminals and card readers, offering a low additional fee on top of standard processing charges. Securely process transactions, generate payment links, and manage tips and receipts.

Accept credit card paymentsReplaces credit card terminalsLow additional fee (0.1%)
๐Ÿ’ผ Business
(43)
free

FAQ about Zip Payments

What are the best zip payments apps for iPhone?
Zip - Buy Now, Pay Later tops our zip payments apps ranking as of June 2026, with a 4.9-star average from 831K App Store ratings, and it's free to download.
Yes โ€” 19 of the top zip payments apps we rank are free to download, including Zip - Buy Now, Pay Later and Afterpay: Pay over time.
Zip - Buy Now, Pay Later shows ads and has no in-app purchases, according to its App Store listing as of June 2026.
We track 224+ zip payments apps on the iOS App Store as of June 2026, ranked by rating, recency, and analysis of real user reviews.
Zip is a service that allows you to split your purchases into multiple installments, typically 4 or 8, with payments due every two weeks. It aims to provide a flexible way to manage your spending both online and in physical stores.
You can use Zip to pay over time by splitting your order into installments. You can create a virtual card within the app for easy checkout or get a physical Zip Card. Payments are automatically scheduled every two weeks.