When you use Zip’s buy now, pay now service, each order needs to get approved. So the time it takes to get your item with Zip really depends. First, a retailer needs to decide whether it will be able to deliver your order. It has up to 7 days to decide.  After your order has been accepted by the retailer, it can take up to a week to update and go through. In some cases, it could take up to 13 days.