name: Zip API Access Plans
description: >
  Zip does not publish self-serve tiered API pricing plans. Access to the Zip
  merchant API requires a merchant account established through Zip's onboarding
  process. Merchants are provided separate sandbox and production credentials
  following account approval. Transaction fees and revenue-share terms are
  negotiated commercially and vary by region (AU/NZ/US/CA) and merchant
  volume. There is no free public API tier; all integration access is
  gated behind merchant agreement.
plans:
  - name: Sandbox (Development)
    description: >
      Free testing environment available to approved merchants and partners
      during the integration and certification phase. Provides full API
      functionality against simulated payment flows with no real money movement.
    price: 0.00
    currency: USD
    unit: month
    features:
      - Full API access to all endpoints in sandbox environment
      - Sandbox credentials provided upon merchant onboarding request
      - Test consumer accounts for checkout simulation
      - Webhook callback testing
      - No transaction fees in sandbox
    limits:
      - type: Access
        description: Available after contacting Zip integrations team at integrations@us.zip.co
    contact:
      url: https://docs.us.zip.co/docs/introduction
      email: ''

  - name: Production (Merchant Agreement)
    description: >
      Full production API access granted after successful sandbox certification.
      Transaction-based pricing with fees negotiated per merchant agreement.
      Merchants receive production credentials upon go-live approval.
    price: negotiated
    currency: USD
    unit: transaction
    features:
      - All API operations (authorize, capture, refund, void, confirm)
      - Webhook callbacks for all payment events
      - Merchant disputes API
      - Transaction reporting and payment list endpoints
      - Consumer payment plan management
      - Multi-region support (AU, NZ, US, CA)
      - Tokenisation for subscriptions (AU only)
      - Platform integrations (Shopify, Magento, WooCommerce, BigCommerce, Salesforce)
    limits:
      - type: Access
        description: Requires signed merchant agreement and successful certification
    contact:
      url: https://zip.co/au/business/payments
      email: ''