Have you ever been out of cash and needed to buy something urgently? Several programs allow you to buy something now and pay later. Zip is one of those programs, and you don’t have to wait to get your salary to be able to get stuff when you need them urgently.

Some people wonder if Zip works with Chime, and in this article, we will show you whether or not zip accepts Chime in addition to any helpful information.

What is Zip, and How does it Work?

Zip is an online platform launched in 2017 that allows customers to buy goods and pay later. Formerly known as Quadpay, Zip isn’t a loan app that requires you to pay interest while you use it. It works with your budget, and you can buy an item when your direct deposits come up soon. You can make payments to Zip through a payment method linked to your Zip account. To start using the app, you need to download it from your phone’s store. You can use Zip by:

  • Shopping on your computer through a Chrome extension.
  • Shopping in stores through the app on your phone.
  • Shopping directly on your phone.

Note that you need to create an account, a username, and a password once you download the app. After this, load your shopping cart and complete your payment. Zip divides your payments into four batches spread over six weeks.

Does Zip Accept with Chime?

Chime, a finance app, works well with Zip. Zip generally accepts cards like American Express, Mastercard, Visa, Discover, etc., but most times, it doesn’t work with prepaid cards because they aren’t linked to a bank account. Zip accepts Chime’s debit cards, so you can go ahead to use them on the platform.

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How do you Link your Chime Card to your Zip Account?

As earlier seen, you can link your Chime debit card or credit card to your Zip account. But how do you do this? Follow the steps below to link your Chime card to your Zip account.

1. Open the Zip app.

2. Click on account at the lower right of the app.

3. Select your payment method.

4. Click the add payment card option.

5. Input card details, including the card number, expiry date, etc.

6. Click on add card.

You have successfully linked your Chime card to your Zip account.

What other Payment Methods Work with Zip?

Generally, Zip accepts cards linked to your bank account, so if you have a prepaid or virtual card that is not linked to your account, it may not work on Zip. So, any card that is a Visa, Mastercard, Discover card, etc., works with Zip. On the other hand, payment methods that do not work with Zip include:

  • Prepaid Cards
  • Cards that are reloaded, e.g., NetSpend
  • Capital One
  • PayPal
  • ACH Banks Transfer
  • Money Order, Cash, etc


Zip is a buy now and pay later platform that helps customers get goods as soon as they need them, even without having enough money. Some payment methods work with Zip, while others do not. Zip only accepts cards linked to a bank account; since Chime can be linked to your account, you can use it seamlessly on Zip. As noted in this piece, prepaid cards do not work with Zip, and if you try to use them, they may be rejected.

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