# Where to Pay Later with Zip (zip.co)

Is zip.co legit and trustworthy? Truth score 82 out of 100, high truth signals: 6 of 10 public checks clear, 1 to be cautious about, 1 not found, 2 for information. Legitimacy confidence: high. Customer satisfaction: mostly satisfied.

- Truth score: 82 out of 100
- Legitimacy confidence: high
- Customer satisfaction: mostly satisfied, from Trustpilot 4.0 · 40,093 reviews; Reviews.io 1.3 · 81 reviews; Average 4.0 · 40,174 reviews on Trustpilot and Reviews.io
- Claimed: no
- Assessed: 2026-10-18

## Summary

We read 3 of its pages: about, terms and privacy. The Internet Archive first saved a copy of its website 14 years ago. It is among the 10,000 most-visited sites on the internet (Cloudflare Radar). Customers have left 40,093 reviews on Trustpilot, averaging 4.0 stars out of 5. Google Safe Browsing shows no malware or phishing warnings for its website. Be cautious: its 81 reviews on Reviews.io average only 1.3 stars out of 5. We could not find when its domain was registered, an address or a phone number.

Important context: Truth Signal weighs public evidence about this business. A high score means strong evidence that the business is established and legitimate, not a promise that it is safe to buy from or that every purchase will go well. A low score means the evidence is thin or raises concerns, not that the business is unsafe or a scam.

Final check: policy contact read in a second reading of the site's own pages, each with a quote from the page, where our code found nothing.

## Positives

- We read 3 of its pages: about, terms and privacy (source: website)
- The Internet Archive first saved a copy of its website 14 years ago (source: wayback)
- It is among the 10,000 most-visited sites on the internet (Cloudflare Radar) (source: radar)
- Excellent independent reputation: 40,093 reviews on Trustpilot, rated 4.0 stars out of 5 (source: reviews)
- Google Safe Browsing shows no malware or phishing warnings for its website (source: safe_browsing)

## Be cautious

- A low number of independent reviews (81 on Reviews.io), but it falls short with only 1.3 stars out of 5 (source: reviews)

## Not found

- Domain registration information was not found from our checks. (source: rdap)
- Domain age information was not found from our checks. (source: rdap)
- Address information was not found from our checks. (source: registry)
- Phone number information was not found from our checks. (source: website)

## How to check if zip.co is legit

To check if zip.co is legit yourself, look at the same public records we did: the company register, who owns the web address and since when, customer reviews, visitor numbers, how long the site has existed, social profiles, malware lists, data breaches and email security. Each row below shows what that record says about zip.co; open a row to see the facts and the source to check them yourself. Step by step: [how to know if a shopping site is legit](/guides/how-to-know-if-a-shopping-site-is-legit).

- Who they are: Company details: Founded in 2013 (Wikipedia) (For information)
- Who they are: Domain registration: We were unable to find out when its domain was registered. (Not found)
- Who they are: Website details: We read 3 of its pages: about, terms and privacy (Clear). Pages found: about (https://zip.co/about-zip), terms (https://zip.co/terms-of-use), privacy (https://zip.co/privacy-policy)
- Reputation and track record: Customer reviews: 40,174 reviews across 2 platforms, rated 1.3 to 4.0 out of 5 (Be cautious)
- Reputation and track record: Visitor traffic: It is among the 10,000 most-visited sites on the internet (Cloudflare Radar) (For information)
- Reputation and track record: Web history and authority: The Internet Archive first saved a copy of its website 14 years ago (Clear)
- Reputation and track record: Social presence: It is on 1 social media platforms (YouTube); the largest audience is 337 subscribers on YouTube (Clear)
- Safety: Malware and phishing: Google Safe Browsing shows no malware or phishing warnings for its website (Clear)
- Safety: Data breach history: No known data breach involving the company (Clear)
- Safety: Domain and email security: Its email is protected: mail forged in its name is blocked (Clear)

## What its pages say

Quoted word for word from zip.co's own pages.

- In their own words: “We’re a digital financial services company helping millions of customers in the United States, Australia and New Zealand to manage their money with flexible credit and cashflow solutions. Since 2013, when Larry Diamond and Peter Gray founded Zip, we’ve been challenging the traditional credit model and changing the game for customers and merchants. Innovation is at the heart of our business.” (https://zip.co/about-zip)

## Cite

Truth Signal, Where to Pay Later with Zip: truth score 82 out of 100, legitimacy confidence High, assessed 2026-10-18, https://truthsignal.com/business/zip.co. Licence CC BY 4.0 (https://creativecommons.org/licenses/by/4.0/). The same report as JSON: send Accept: application/json to https://truthsignal.com/business/zip.co