Our approval decisioning process is determined by a number of factors. To protect the integrity of the approval process and our customers’ privacy, we cannot disclose the specific data points we consider.
If you’ve received this message, you may have some questions—we hope the below information helps answer them!
I got an error: “Sorry you are not eligible for installments with this purchase."
All customers are assessed based on information supplied at checkout. We were either unable to verify your identity, or you did not meet our customer assessment guidelines.
But I've used Zip before!
Even previous Zip customers must pass this assessment again with each new Zip checkout order.
Does this mean I can't complete my purchase?
You can still complete your purchase, however you will need to check out with another payment method than Zip.
What can I do to be eligible for future orders?
Even if you are not eligible for a purchase now, we encourage you to try Zip again for future purchases! Responsible purchasing and payback behavior can have a positive impact on your future eligibility.
What are your assessment guidelines?
Unfortunately, we do not share information on our assessment process. The approval decision is not based solely on one aspect or purchase, but multiple data points.
It's unfair that I am not eligible. Override the assessment.
We use information from a number of third parties to determine eligibility. Agents do not have any input to this process and can not override the assessment. Our goal is to safely approve as many people as possible, and we're constantly updating our approval criteria and rolling out new features to allow for more approvals.
Will I be able to use Zip in the future?
Each order is assessed at the time it's placed, so we recommend you try Zip for future checkouts to see if we can approve your payment.