name: Zip API FinOps
description: >
  Zip operates as a BNPL payment network where merchant costs are primarily
  driven by transaction fees rather than API subscription fees. The API itself
  has no separate licensing or usage-based cost; however, every payment
  transaction processed through Zip's merchant API incurs a commercial fee
  agreed upon in the merchant contract. Zip absorbs consumer credit risk;
  merchants receive full payment minus the agreed merchant service fee (MSF).
  Detailed fee structures are region-specific and negotiated privately.
costs:
  - name: API Access Cost
    type: included
    description: >
      No direct cost for API access. Access is bundled with the merchant
      agreement. Sandbox/testing access is free during integration.
    price: 0.00
    currency: USD

  - name: Merchant Service Fee (MSF)
    type: per-transaction
    description: >
      A percentage of each transaction value charged to the merchant as a
      processing fee. Zip bears the consumer credit risk in exchange for this
      fee. Rates vary by region, merchant category, transaction volume, and
      commercial negotiation. Publicly disclosed rates are not available.
    price: negotiated
    currency: varies
    regions:
      - AU
      - NZ
      - US
      - CA
      - GB

  - name: Transaction Reporting
    type: included
    description: >
      Transaction and payment reporting endpoints are included at no extra
      cost. Merchants can retrieve transaction history in JSON or CSV format
      via the reporting endpoints.
    endpoints:
      - GET /transactions/{merchantId}/v3
      - GET /transactions/{merchantId}/v3/csv
      - GET /payments/{merchantId}/json
      - GET /payments/{merchantId}/csv

  - name: Dispute Management
    type: included
    description: >
      Merchant dispute search, retrieval, evidence submission, and closure
      are included as part of the merchant API access at no additional charge.
    endpoints:
      - POST /merchant-disputes/search
      - GET /merchant-disputes
      - POST /merchant-disputes/submit-evidence
      - POST /merchant-disputes/file
      - POST /merchant-disputes/close

visibility:
  pricePublished: false
  rateLimitsPublished: false
  contactRequired: true
  onboardingURL: https://zip.co/au/business/payments
  developerPortal: https://developers.zip.co
  helpCenter: https://help.zip.co/hc/en-au

notes: >
  Zip's payment economics are structured as a merchant service fee model
  similar to credit card processing. Merchants should request a commercial
  proposal from their regional Zip sales team to obtain applicable MSF rates.
  Sandbox access can be requested by emailing the integrations team referenced
  in the developer documentation.