← Intelligence hub
Review Insights · App Store

Zip - Buy Now, Pay Later

Zip Co US, Inc. · 810,139 ratings · ★ 4.9

4.9
★★★★★
810,139 ratings
5 ★
778,090 (96%)
4 ★
19,623 (2%)
3 ★
4,253 (1%)
2 ★
1,648 (0%)
1 ★
6,581 (1%)
🎯 Build a better version

Top complaints - extracted from 9 negative reviews

Recurring phrases mined from 1-2★ reviews. The bigger the percentage, the more users have the same problem. Fix the top 2-3 in your version and you have product-market fit on day one.

1
"account"
4 negative reviews mention this · 44% of all complaints
★★★★★ "Not very graceful. The app is decent i guess, they've came in handy here and there but it's what comes right after that makes you lose interest. It's not "buy now, pay later" it's "here's a discount but pay us back almost immediately or we'll keep harrassing …" - cgjjmkuf
2
"order"
4 negative reviews mention this · 44% of all complaints
★★★★★ "THEY KEEP YOUR REFUND MONEY! ORDER TOTALS SRE INCORRECT! CUSTOMER SERVICE SUCKS!. THEY WONT UPDATE ORDER TOTALS! ORDER TOTALS ARE INCORRECT AND I AM NOR RECEIVING MY FULL REFUNDS! I TRIED TO SPEAK TO THEM AND GET NO ACTUAL HELP! I DUSPUTED AN ORDER AND NEVER HEARD ANYTHING BACK! TERRIBLE APP ONLY CONCERNED ABOUR MONEY!!!" - SneakerFeeeb
3
"customer"
4 negative reviews mention this · 44% of all complaints
★★★★★ "THEY KEEP YOUR REFUND MONEY! ORDER TOTALS SRE INCORRECT! CUSTOMER SERVICE SUCKS!. THEY WONT UPDATE ORDER TOTALS! ORDER TOTALS ARE INCORRECT AND I AM NOR RECEIVING MY FULL REFUNDS! I TRIED TO SPEAK TO THEM AND GET NO ACTUAL HELP! I DUSPUTED AN ORDER AND NEVER HEARD ANYTHING BACK! TERRIBLE APP ONLY CONCERNED ABOUR MONEY!!!" - SneakerFeeeb
4
"service"
4 negative reviews mention this · 44% of all complaints
★★★★★ "THEY KEEP YOUR REFUND MONEY! ORDER TOTALS SRE INCORRECT! CUSTOMER SERVICE SUCKS!. THEY WONT UPDATE ORDER TOTALS! ORDER TOTALS ARE INCORRECT AND I AM NOR RECEIVING MY FULL REFUNDS! I TRIED TO SPEAK TO THEM AND GET NO ACTUAL HELP! I DUSPUTED AN ORDER AND NEVER HEARD ANYTHING BACK! TERRIBLE APP ONLY CONCERNED ABOUR MONEY!!!" - SneakerFeeeb
5
"customer service"
4 negative reviews mention this · 44% of all complaints
★★★★★ "THEY KEEP YOUR REFUND MONEY! ORDER TOTALS SRE INCORRECT! CUSTOMER SERVICE SUCKS!. THEY WONT UPDATE ORDER TOTALS! ORDER TOTALS ARE INCORRECT AND I AM NOR RECEIVING MY FULL REFUNDS! I TRIED TO SPEAK TO THEM AND GET NO ACTUAL HELP! I DUSPUTED AN ORDER AND NEVER HEARD ANYTHING BACK! TERRIBLE APP ONLY CONCERNED ABOUR MONEY!!!" - SneakerFeeeb
6
"money"
3 negative reviews mention this · 33% of all complaints
★★★★★ "THEY KEEP YOUR REFUND MONEY! ORDER TOTALS SRE INCORRECT! CUSTOMER SERVICE SUCKS!. THEY WONT UPDATE ORDER TOTALS! ORDER TOTALS ARE INCORRECT AND I AM NOR RECEIVING MY FULL REFUNDS! I TRIED TO SPEAK TO THEM AND GET NO ACTUAL HELP! I DUSPUTED AN ORDER AND NEVER HEARD ANYTHING BACK! TERRIBLE APP ONLY CONCERNED ABOUR MONEY!!!" - SneakerFeeeb
7
"help"
3 negative reviews mention this · 33% of all complaints
★★★★★ "THEY KEEP YOUR REFUND MONEY! ORDER TOTALS SRE INCORRECT! CUSTOMER SERVICE SUCKS!. THEY WONT UPDATE ORDER TOTALS! ORDER TOTALS ARE INCORRECT AND I AM NOR RECEIVING MY FULL REFUNDS! I TRIED TO SPEAK TO THEM AND GET NO ACTUAL HELP! I DUSPUTED AN ORDER AND NEVER HEARD ANYTHING BACK! TERRIBLE APP ONLY CONCERNED ABOUR MONEY!!!" - SneakerFeeeb
8
"weeks"
3 negative reviews mention this · 33% of all complaints
★★★★ "Terrible customer service. I used to like Zip however for the last 4 weeks I can’t make any payments because it’s said I’m outside the US when I’m making payment in the US. Whenever I called customer services, they can’t help, all they say was the issue will be escal…" - Rmachiav

📋 All 9 negative reviews

Every 1-2★ review we fetched. Use the copy button to grab them all for your own analysis (paste into ChatGPT/Claude with a prompt like "summarize core user problems, group by theme, ignore bugs, focus on missing features").

★★★★ Rmachiav 5/3/2026 v1.246.2
Terrible customer service
I used to like Zip however for the last 4 weeks I can’t make any payments because it’s said I’m outside the US when I’m making payment in the US. Whenever I called customer services, they can’t help, all they say was the issue will be escalated but it’s been 4 weeks and still not response. I’m just waiting to make the few payment I have left to close this account. Terrible customer service
★★★★ XXXL44 4/28/2026 v1.245.4
Worst payment app out there by FAR
How are we doing? Your doing so great I made and order and couldn’t pick up my items and wasted my day off and waited 3 weeks to get my money back. Your doing so good I deleted this app because it’s the worst one ever
★★★★ Dont use this bs app 4/27/2026 v1.245.4
Zip
They took my money twice, and the order doesn’t even exist according to them, they charged my card twice and are making me wait 2 weeks to get my money back do not use this app they are a scam !
★★★★ Donde el queso 4/27/2026 v1.245.4
Horrible
Waste of time. AI ran, no customer service.
★★★★★ cgjjmkuf 5/7/2026 v1.246.2
Not very graceful
The app is decent i guess, they've came in handy here and there but it's what comes right after that makes you lose interest. It's not "buy now, pay later" it's "here's a discount but pay us back almost immediately or we'll keep harrassing you and forcing deductions out of your bank account literally every few hours until you pay us" not very graceful at all
★★★★★ SneakerFeeeb 5/5/2026 v1.246.2
THEY KEEP YOUR REFUND MONEY! ORDER TOTALS SRE INCORRECT! CUSTOMER SERVICE SUCKS!
THEY WONT UPDATE ORDER TOTALS! ORDER TOTALS ARE INCORRECT AND I AM NOR RECEIVING MY FULL REFUNDS! I TRIED TO SPEAK TO THEM AND GET NO ACTUAL HELP! I DUSPUTED AN ORDER AND NEVER HEARD ANYTHING BACK! TERRIBLE APP ONLY CONCERNED ABOUR MONEY!!!
★★★★★ Nsjdjrjdosmefndjwiej 5/1/2026 v1.246.2
Customer service
The customer service chat sucks. Like entirely. It took them from 230pm til about 7pm to even get me an agent that would even reply to me then ended the chat because I was too busy to reply.
★★★★★ TsAubrieTaylor 4/30/2026 v1.245.4
Was great
I liked using the app. Until they closed my account after I legally changed my name. Tried showing them my court order, copies of my old id, new id, etc nope they said we can’t verify you now. Wtf
★★★★★ RoxyRoxy$ 4/28/2026 v1.245.4
Ridiculous
I’ve been trying to get help from a representative for 3 days now. One just put me on hold for a hour and then hung up in my face. Why would you give me an account but then say I don’t qualify for access to the app. Why not just deny me?

Sentiment summary

98%
Positive (4-5★)
1%
Neutral (3★)
1%
Negative (1-2★)

✓ Strong positive sentiment - clone path is harder, users like the existing app.