Our approval decisioning process is determined by a number of factors. To protect the integrity of the approval process and our customers’ privacy, we cannot disclose the specific data points we consider.
If you’ve received this message, you may have some questions—we hope the below information helps answer them!
What does the "Sorry you are not eligible for instalments with this purchase" error mean?
All customers are assessed based on information supplied at checkout. We were either unable to verify your identity or you did not pass our customer assessment guidelines.
I've used Zip Canada before! Why has this changed?
Even previous Zip Canada customers must pass this assessment again with each new order.
Your profile will change over time and as it changes, so might your eligibility to use Zip and/or the total amount you would have access to. Because of this, we encourage you to try to use Zip again in the future.
Does this mean I can't complete my purchase?
You can still complete your purchase, however, you will need to checkout with another payment method.
What are your assessment guidelines?
We don't currently share information around our assessment process. The approval decision is not based solely on one aspect or purchase, but multiple data points.
Is it possible to override the assessment?
We use information from a number of third parties to determine eligibility. Agents do not have any input to this process and can not override the assessment. Our goal is to safely approve as many people as possible, and we're constantly updating our approval criteria and rolling out new features to allow for more approvals.
Will I be able to use Zip Canada in the future?
Each order is assessed at the time it's placed, so we recommend you try Zip Canada for future checkouts to see if we can approve your payment.