- ZIP Pay Later is a special small credit offering by MobiKwik. ZIP pay later option enables users to get up to Rs 60,000 which can be used to pay bills, shop for clothes, groceries, electronics, order foods, medicines and much more. With ZIP, users can essentially shop at 1 Lakh+ brands simply from the comfort of their home using MobiKwik and just pay later. ZIP is applicable on brands across the country like Swiggy, Zomato, Flipkart, Myntra, Pharmeasy and others.
- ZIP Pay Later loan equips users with up to Rs 60,000 at 0% interest* which can be used at their favourite brands to shop, order groceries, medicines, food, pay bills and much more. The ZIP balance can be checked by simply clicking on ZIP icon. The ZIP bill is generated twice a month, every 15 days. ZIP is one of the special Pay later options in which the credit allowance increases as the usage increases. So for example, a user might be disbursed just Rs 5000, but if they keep repaying the ZIP bill on time, their credit limit increases and can go up till anywhere up to Rs 60,000.
- One time, non refundable activation fee ranging between Rs.99 to Rs.399 exclusive of applicable taxes, if any, shall be applicable after Zip has been used to pay for the first time, and the first bill has been generated.
- Invoice for the used amount will be generated on every 16th of same month & 1st. of next month in that order. User to repay the same within 5 days from the date of generation of invoice.
How to activate mobikwik Zip:-

- Do not have Mobikwik app. Click here
- Existing user, Update your Mobikwik app.
- Signup/Login with your mobile number.
- A popup menu appear to activate zip.
- Or You will find below image to activate zip.

- Now click on Get Started and follow required process for successful activation of zip credit up to Rs.60000.
Details on Zip:-
- Invoice for the amount used will be generated on every 16th of the same month & 1st of the next month. User to repay the same within 5 days from the date of generation of the invoice. If the invoice amount is not paid by the user till the due date, delay penalties will be applicable based on the amount due & the number of unpaid days as below (With effect from May 11, 2022).

- Please note that the penalty amount is calculated at the time of bill generation & based on that penalty the slab is decided.
- After on-time repayment of the invoice the utilized amount will become available for re-use in the next invoice cycle.
- MobiKwik retains the right to change this penalty matrix and the same shall be updated on the MobiKwik application, without any further notice to the users
- Zip credit is provided as a credit line via one of MobiKwik’s lending partners. You consent to MobiKwik sharing your basic details with its lending partners who reserve the right to use such information without notice or without any consent, to approach, make enquiries, obtain information, from any person including other banks/finance entities/credit bureaus, to assess your track record, credit risk, or for establishing contact with the borrower.
- MobiKwik has the right to settle off the dues of the user through any authorized and available payment instrument.
- MobiKwik has the right to nullify the entire SuperCash balance from the user if the customer fails to make payment by the due date.
- MobiKwik and/or its loan partner will share the repayment schedule of the line with the User and the User agrees to abide/agree to it.
- Zip credit is provided as a credit line, and your identity, may be reported to bureaus such as CIBIL.
- In case a user delays the repayment by more than a month, it will be reported to the bureaus for non-payment. This will adversely impact the user’s credit score, thus reducing the user’s chances of credit and loan approvals in future.
- The validity of the Zip by Mobikwik account is 1 year and is subject to auto renewal after one year.
- Limit of this facility will be frozen if customer fails to make payment by the due date and no further transaction will be allowed using this facility.
- MobiKwik has the right to settle of the dues of User against the MobiKwik.
- For details on terms & conditions follow mobikwik app.
How to pay
Pay through Debit cards or UPI.
How to use zip money
After activation of zip, you can pay through zip money within mobikwik app for limited service & on limited merchants that accept mobikwik as a payment option.
ZIP activation free mention kiya hai toh 149 ka charge kyu laga rahe ho
Yes, Now they are charging Rs.149 as activation fee
Activation charge rs 149 for how long day’s
Activation charges of Rs.149 is only for first time!(i.e one time per user)
जिप से emi पर सामान कैसे ले
Update Mobikwik app. You will find shopping loan option under loan tab.
Suppose Maine 15 ko loan liya toh payment kab karna hoga ya Kon se date ko banega
You have 20 days time to repay loan amount.
Repayment kab Karne hogi 15 ko liye hue loan ki
you have 20 days time for repayment
I mistakenly paid a bill through zip..uska repayment maine kar diya..but 149 rs due dikha raha hai..I don’t want to use this app..kya kare??
Plz suggest
Clear all the dues and one time activation fee of Rs.149. For permanent closing of zip options please contact mobikwik at https://www.mobikwik.com/contact
Why should i pay the Activation Charges??
I paid it mistakenly and don’t wish to use it further
As you have already used the zip option ,you have to pay one time activation fee of Rs.149. For further details please contact mobikwik.
What if i don’t pay??
Please check mobikwik’s terms and conditions page available under zip option…
मैने mobikwik का उपयोग एक बार गलती से हो गया है जिससे 149 का रिचार्ज हो गया था।
उसका भुगतान 248 मेने कर दिया है इसके बाद मुझे उसका उपयोग नही करना है मुझे क्या करना चाहिए
For permanent closing of zip options please contact mobikwik at https://www.mobikwik.com/contact
Hello., mujhe mere mobikwik wallet se zip ka payment karna hai… Kaise kar sakte hai.. Plz help
Pay through Debit cards or UPI.
Amazon se maine kuch purchase kiya tha.. Some how reasons maine wo item Amazon pe return kar diya… Then mera refund american express ke credit card main credit nahi hua.. Wallet mai Aa Gaya… Soo ab kaise transfer karna hoga wallet to credit card…?????
please contact mobikwik at https://www.mobikwik.com/contact
Hi I am Nikhil Puranik , i was used pay zip wallet from last six month .Regular payment made from my side every time. Problem is Pay zip provide us INR 5000 used for selective portal only and not transfer this into our bank account.
So i use some of amount for Recharge , earlier i took all of INR 5000 from Pay zip later to Zip wallet and used INR 1300 Remain INR 3700 still in Zip wallet .
As every time unused amount i pay return back to Pay zip Later main a/c for closed generated bill but i want happen this time bcos they change the system and nowINR 3700 stuck in zip wallet.
please contact mobikwik at https://www.mobikwik.com/contact
can i paid credit card bill through zip wallet???
No
Suppose Maine 04 tariko loan liya toh payment kab karna hoga ya Kon se date ko …
Invoice for the used amount will be generated on every 16th of same month & 1st. of next month in that order. User to repay the same within 5 days from the date of generation of invoice.
Dear sir,
My Zip account due clear 15/04/21, and re use 15/05/21, zip account clear 21/04/21.but my zip account block why.
Please contact mobikwik at https://www.mobikwik.com/contact
I have a doubt that if I order something from Amazon/flipkart and paid through zip. And then if I want to cancel the order will my due that got generated will be cleared automatically??
No
Don’t say no. Clarify me. Where the returned money will get credited..??
The loan should get automatically cancelled na..
Returned money will get credited in your Mobikwik as wallet balance not in your zip paylater.
So can i pay the bill from my mobikwick wallet to zip pay later.??
yes may be but try at your own risk!
Why try at your own risk.. We can’t pay zip pay bill through our mobikwick wallet??
yes you can..but mobikwik may change it’s terms and conditions anytime..
Zip billpayment settle karne par kuch tho cupon code hai enter karne ke liye
what???
when i used zip its says your request in a que we will let you know once your account is activated. how much time it will take for this process.
Please contact mobikwik at https://www.mobikwik.com/contact
How to make payment of my loan plz do guide me
Pay through Debit cards or UPI. for detail explanation please join our telegram group.