Zip - Is there a limit to how much I can spend on Zip?

Zip (formerly Quadpay) does not approve every order. Zip's automated system takes into account various factors to determine whether customers are approved and what spend limit we can provide customers with.

Zip will charge the customer 25% of the purchase amount at the time of the transaction. If the customer doesn't have this amount available, the order will not go through.

If a customer is a repeat purchaser and has made all prior repayments on time, there is a good chance they will receive a higher limit than somebody who is a new customer.

If a customer has multiple orders that are not fully paid off with Zip, it can help to pay off orders in advance. This can sometimes increase the amount the customer can spend.

Zip also looks at the total value of orders and can deny transactions if they exceed certain limits.