Awful! I’ve used Zip a couple of times and I’m shocked that Visa is allowing them to issue credit card numbers. This is a fraud company! They are taking a percentage of your money upfront, denying transactions and holding your money hostage for 13 days while they make interest on that money. I had two transactions that were declined by Macy’s and this company tried to tell me they didn’t decline it. Macy’s provided the transaction numbers and Zip held my money for 13 days so they could make interest on it. I also bought a credit card to use as I wanted too. The first transaction was declined so I didn’t use it again and they still held my money for almost a month.