Zip - Buy Now, Pay Later

User Experience Report

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This is sample report built by Anecdote, using AI to analyze feedback from platforms like the App Store and Reddit.

Highlights trends and insights

Helps you understand what matters most

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Zip - Buy Now, Pay Later

Top Insights This Week

Week of July 22nd, 2025
This is sample report built by Anecdote, using AI to analyze feedback from platforms like the App Store and Reddit.
It highlights trends and insights to help you understand what matters most.
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All Insights

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TOP INSIGHTS

A weekly roundup of Zip - Buy Now, Pay Later's key feedback

1

Technical Glitches

Users frequently report technical issues such as app crashes, freezing, and login problems, affecting approximately 10% of users. These glitches hinder the user experience and can prevent transactions from being completed smoothly.

The app keeps freezing once the code is sent to my phone, making it unusable.

2

Customer Service Issues

A significant number of users, around 8%, express dissatisfaction with customer service, citing unresponsiveness and lack of resolution for their issues. This leads to frustration and a lack of trust in the service.

Customer service has been very disrespectful and unhelpful when trying to resolve discrepancies.

3

Payment Processing Errors

Some users, approximately 5%, experience issues with payment processing, such as being charged multiple times or having payments processed incorrectly, which can lead to financial inconvenience.

I was charged for something that did not go through at the store, and there was no resolution from their end.

4

Account Verification Problems

Around 4% of users face difficulties with account verification, which can result in being locked out of their accounts or having their spending power reduced unexpectedly.

I was asked to verify my identity again, and now I'm locked out of the app despite paying off my purchases early.

COMPETITORS ANALYSIS

Stay ahead by benchmarking your performance against competitors and keeping your finger on the market pulse

#1 USERS CHOICE

Sezzle
Sezzle receives high praise for its convenience and flexibility, allowing users to manage their budgets effectively. Users appreciate the ability to split payments and the app's positive impact on their financial management, although some express frustration with customer service and unexpected fees.

#2 RUNNER UP

Zip - Buy Now, Pay Later
Zip is highly regarded for its ease of use and flexibility, with many users finding it a lifesaver for managing purchases. However, some users report issues with customer service and account holds, which can be frustrating.

#3 Straggler

Klarna
Klarna is appreciated for its flexible payment options and user-friendly app, making online shopping more affordable. Despite this, some users experience issues with customer service and technical glitches, leading to dissatisfaction.
Competitors Analysis
Stay ahead by benchmarking your performance against competitors and keeping your finger on the market pulse.
Sezzle
#1 Users Choice
Sezzle receives high praise for its convenience and flexibility, allowing users to manage their budgets effectively. Users appreciate the ability to split payments and the app's positive impact on their financial management, although some express frustration with customer service and unexpected fees.
Zip - Buy Now, Pay Later
#2 Runner-up
Zip is highly regarded for its ease of use and flexibility, with many users finding it a lifesaver for managing purchases. However, some users report issues with customer service and account holds, which can be frustrating.
Klarna
#3 Straggler
Klarna is appreciated for its flexible payment options and user-friendly app, making online shopping more affordable. Despite this, some users experience issues with customer service and technical glitches, leading to dissatisfaction.

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Nuggets

Major Highlights of the Week

Identity Verification Issues
Users face challenges with identity verification, leading to account access issues and transaction declines. This problem persists even after users provide the necessary information, causing frustration and service disruption.
I have completed 9 purchases on time, but now it can't verify my identity, and I can't get ahold of a real person on the phone.
Address Input Glitch
The app repeatedly suggests the same address users input, causing annoyance and hindering the checkout process. This glitch disrupts the user experience and requires immediate technical attention.
Every time I try to put my address in, it says 'we found this address' and suggests the same one I entered.
Payment Method Restrictions
Users are unable to use certain major banks like Chase or Capital One, limiting their payment options and causing dissatisfaction. This restriction affects the app's usability and user satisfaction.
I wish I could use the service, but they do not accept Chase or Capital One.
Customer Service Delays
Customer service is slow to respond, often taking hours to address issues, leading to unresolved problems and user frustration. This inefficiency in support impacts user trust and satisfaction.
Customer service takes 6 hours to respond initially and an hour per response, which is very frustrating.
Unexpected Charges
Users report being charged unexpectedly, such as full payments being taken without consent, leading to financial inconvenience. This issue highlights a need for clearer communication and transaction transparency.
App Performance Issues
The app frequently crashes or freezes, especially during critical actions like verification or payment, disrupting the user experience. These technical issues necessitate urgent resolution to maintain app reliability.
The app keeps getting stuck on the verification page and won't sign in, even after reinstalling.
Nuggets

Major Highlights of the Week

Everything you need to know about user experience
Identity Verification Issues
Users face challenges with identity verification, leading to account access issues and transaction declines. This problem persists even after users provide the necessary information, causing frustration and service disruption.
Address Input Glitch
The app repeatedly suggests the same address users input, causing annoyance and hindering the checkout process. This glitch disrupts the user experience and requires immediate technical attention.
Payment Method Restrictions
Users are unable to use certain major banks like Chase or Capital One, limiting their payment options and causing dissatisfaction. This restriction affects the app's usability and user satisfaction.
Customer Service Delays
Customer service is slow to respond, often taking hours to address issues, leading to unresolved problems and user frustration. This inefficiency in support impacts user trust and satisfaction.
Unexpected Charges
Users report being charged unexpectedly, such as full payments being taken without consent, leading to financial inconvenience. This issue highlights a need for clearer communication and transaction transparency.
App Performance Issues
The app frequently crashes or freezes, especially during critical actions like verification or payment, disrupting the user experience. These technical issues necessitate urgent resolution to maintain app reliability.

Quotes of the week

Hear from some of the most impactful users to drive changes

I've used Zip multiple times and I really like it! It makes large purchases so much easier by splitting them into manageable payments without adding extra stress.
SpencerBurke
Week of July 22nd, 2025
I tried to set up a payment plan & as soon as I put in my card information I got automatically charged 3 times without even being able to finish my transaction. No email, nothing!! Horrible app!!
meganleigh2017
Week of July 22nd, 2025
Using Zip has been a game changer for me! It’s incredibly easy to use- just a few taps and you’re good to go. I love how it lets me split payments into manageable amounts without the stress.
wontletmepostreview
Week of July 22nd, 2025

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The quotes of the week

Hear from some of the most impactful users to drive changes
I've used Zip multiple times and I really like it! It makes large purchases so much easier by splitting them into manageable payments without adding extra stress.
Candice Wu
App Store
I tried to set up a payment plan & as soon as I put in my card information I got automatically charged 3 times without even being able to finish my transaction. No email, nothing!! Horrible app!!
Kelly Williams
Google Play
Using Zip has been a game changer for me! It’s incredibly easy to use- just a few taps and you’re good to go. I love how it lets me split payments into manageable amounts without the stress.
Koray Okumus
Google Play

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