Financial connectivity

What happens when your bank reports new accounts on an existing connection

Managing accounts

adding newly available accounts what happens when your bank reports new accounts on an existing connection zypper detects new accounts automatically when you open a new account at a bank you've already connected — a new savings account, a new card — zypper detects that it's available on your existing connection and notifies you. you choose whether to add it; nothing is added without you. adding them open settings › connections , find the institution, and add the newly available accounts. they start syncing like any other connected account. if you'd rather not track a new account, dismiss it — you can always add it later from the same place.

Adding newly available accounts

Product help & how-to

How auto balance funds your budget categories for you

Budgeting & categories

auto balance how auto balance funds your budget categories for you auto balance funds your categories for you instead of assigning every category by hand, auto balance does it in one step from your budget page. it analyzes up to 24 months of transaction history to find recurring income and expenses, combines that with your budget amounts and recent spending, and adjusts your category balances to cover projected spending between now and your next major income or the end of the month, based on your budget settings . your available to budget money is rebalanced with your spending and savings category balances. set budget amounts first auto balance works from the budget amounts you've set for your categories. if you haven't set any yet, go to budget settings and set spending targets for your categories first. fine-tune afterward auto balance is a starting point, not a lock-in. after it runs, adjust any category by hand — see creating your budget for how assigning works.

Auto balance

What to do when you cannot find your bank or institution in the search

Troubleshooting

bank not listed what to do when you cannot find your bank or institution in the search search variations first institution names in the connection search come from plaid, and they don't always match the name on your card or statements. try the full legal name, the abbreviated name, and the name of the parent company many credit unions and regional banks are listed under a parent brand . if it's genuinely not available some institutions don't support connections yet. in the meantime: - track it as a manual account so its balance still counts toward your net worth — and toward your budget, if you choose to include it there - contact support and tell us which institution you're missing — coverage expands over time, and we can confirm whether yours is on the way

Bank not listed

Seeing income versus spending over time, broken down by category or merchant

Cash flow & net worth

cash flow seeing income versus spending over time, broken down by category or merchant what cash flow shows the cash flow page charts your income versus spending over time , so you can see whether you're ahead or behind for any period. pick the time range you care about — this month, last quarter, the year. three ways to break it down cash flow can be grouped by category , by category group , or by merchant — each row drills into its own detail view with a chart and the underlying transactions. category answers "what am i spending on?"; merchant answers "who am i giving money to?". controlling what counts by default, movements between your own accounts don't count as income or spending. cash flow settings let you choose how transfers are treated — including which transfer categories to show — so the picture matches how you think about your money. amounts always come from your categorized transactions, so accurate categorization helped by rules keeps cash flow accurate.

Cash flow

Where to see the health of your bank connections and how to refresh them

Connecting your accounts

checking connection status and refreshing where to see the health of your bank connections and how to refresh them where to check your connections go to settings and open the connections tab. each institution shows its current status, the accounts it provides, and when it last updated. connections sync daily connected accounts sync automatically every day — you don't need to do anything to keep data flowing. if you want the very latest data right now, use the refresh action on a connection or refresh all connections at once and zypper will pull fresh balances and transactions. when a connection needs attention if a connection shows as expired or needing attention, your bank has ended the login session and zypper can no longer sync it. this is routine — banks expire connections periodically for security. see fixing an expired or broken connection to reconnect in a few clicks.

Checking connection status and refreshing

How to link your financial accounts to Zypper, and how syncing works

connecting your bank accounts how to link your financial accounts to zypper, and how syncing works zypper connects through plaid zypper links to your financial institutions through plaid , the same connectivity service used by major financial apps. when you connect an account, you sign in on your bank's own screen inside the secure plaid window — your bank credentials are never seen or stored by zypper . connecting an account 1. go to settings and open the connections tab 2. choose your bank or search for it by name 3. sign in through the secure plaid window and pick which accounts to share once connected, your transactions and balances sync automatically every day , and you can trigger a manual refresh anytime from the connections tab. what happens after you connect your accounts appear in your dashboard, recent transactions import and are categorized automatically, and your balances start feeding your net worth. checking, savings, and credit card accounts also feed your budget and cash flow. historical data fills in gradually over the first minutes after connecting. if your bank doesn't appear in the search, see bank not listed. you can also track anything by hand with manual accounts.

Connecting your bank accounts

How Zypper's envelope budgeting works and how to set up your budget

creating your budget how zypper's envelope budgeting works and how to set up your budget zypper uses envelope budgeting zypper budgets with the envelope method also called zero-based budgeting : money you receive lands in an unassigned pool, and you assign it to categories — the envelopes — until every dollar has a job. a category's budget is money you've actually assigned, so the plan always matches reality. setting up 1. go to your budget page 2. assign money from unassigned to your categories — rent, groceries, savings, debt payments 3. as transactions arrive and are categorized, each category shows what you've spent against what you assigned categories come in types — income, spending, savings, debt, and transfer — and you can customize them fully. keeping it effortless zypper can fund your categories for you — see auto balance. when a category overspends, move money into it from another category rather than abandoning the plan; the point of envelopes is that trade-offs are explicit.

Creating your budget

How Zypper's automatic credit report insights and score improvement recommendations work

Credit reports

credit report insights and score recommendations how zypper's automatic credit report insights and score improvement recommendations work every report comes with personalized insights each time zypper retrieves your credit report, we automatically analyze it and generate personalized insights alongside the report itself. insights highlight the facts and patterns that matter in your report — things like your credit usage, payment history, account mix, inquiries, and negative marks — and each one shows whether it's helping or hurting your credit, so you know exactly where you stand at a glance. if you just received a new report, give it a minute or two — insights can take a moment to finish generating. where insights come from insights are built from your own report data combined with the score factors the credit bureaus supply — the bureaus' own indication of what's affecting your score the most. that grounding is what makes the insights specific to your report rather than generic credit advice. score improvement recommendations alongside insights, zypper generates score improvement recommendations : concrete, actionable steps you can take to improve your credit health, based on what your report shows is actually holding your score back. recommendations focus on the moves likely to matter most for you — not a one-size-fits-all checklist. they update with every refresh you get fresh insights and recommendations with every new credit report — your first report, and every refresh after that. reports refresh every 30 days see credit report refresh schedule , so your insights keep up with your report. view your latest insights and recommendations from your dashboard.

Credit report insights and score recommendations

Report refresh schedule and why you can't refresh early

credit report refresh schedule report refresh schedule and why you can't refresh early you can refresh your report every 30 days zypper gives you a full refresh of your credit report and scores every 30 days . depending on your credit plan, each report covers all three bureaus transunion, experian, and equifax or a single bureau equifax — the essentials plan covers money tools and doesn't include credit reports. when your next refresh becomes available — 30 days after your last report — you can request it from your dashboard, and we'll also email you to let you know a refresh is ready. you can turn these emails on or off in your notification settings. you can't refresh earlier than 30 days after your previous report, so if the refresh option isn't available yet, that's why — check the refresh date shown in your dashboard. why a recent change may not appear yet two common reasons: - the next refresh hasn't been pulled yet. the change will appear when you refresh after your 30-day availability date. - the lender hasn't reported it yet. lenders typically report to the bureaus once a month, so a payment made this week may take several weeks to appear at the bureaus at all — on zypper or anywhere else. if your report differs from what you see directly at a bureau's own site, it's usually a timing difference between when each service pulled the data. if your report won't load at all, see troubleshooting credit report loading and identity verification.

Credit report refresh schedule

Creating, editing, and organizing categories to match how you spend

customizing categories and groups creating, editing, and organizing categories to match how you spend categories are fully yours zypper starts you with a sensible default set, but every category can be changed and new ones created. a category has a name, an emoji, a color, and a type — income, spending, savings, debt, or transfer — and lives inside a category group that organizes your budget and reports. managing categories everything happens in settings › categories : - create a category in any group, with its own emoji and color - edit any category — rename it, restyle it, or move it - archive a category you no longer use — it disappears from pickers, while its transaction history stays intact; unarchive anytime - reorganize groups — create groups and arrange categories to match how you actually think about your money category changes flow through everywhere: your budget, cash flow breakdowns, filters, and rules.

Customizing categories and groups

Renaming accounts, controlling budget inclusion, and the difference between removing an account and a connection

editing and removing accounts renaming accounts, controlling budget inclusion, and the difference between removing an account and a connection editing an account from your accounts list you can: - rename an account so it reads the way you think of it - include or exclude it from your budget — excluded accounts still count toward net worth, but their transactions don't affect budgeting - mark a credit card as long-term debt — for cards carrying a balance you're paying down over time, so day-to-day budgeting isn't distorted by the existing balance removing an account vs. removing a connection these are different actions with different consequences: - removing a single account deletes that account and its data from zypper, while the rest of the accounts from the same bank stay connected. - removing a connection disconnects the entire institution — every account it provides stops syncing. if an account merely isn't useful for budgeting, prefer excluding it from your budget over deleting it — you keep the history and the net worth contribution.

Editing and removing accounts

Budget impact settings, transfers, and long-term credit card debt

excluding transactions from your budget budget impact settings, transfers, and long-term credit card debt not every transaction should hit your budget reimbursed work expenses, balance transfers, one-off oddities — some transactions shouldn't count against your envelopes. zypper gives you control at three levels: - per transaction — every transaction has a budget impact setting: it can count normally, be excluded from the budget entirely, or be treated as a long-term credit card debt payment - per account — an account can be excluded from budgeting while still counting toward net worth - transfers — linked transfers between your own accounts are movements, not income or spending, and don't distort your budget or cash flow long-term credit card debt if a card carries a balance you're paying down over time, payments against that old balance aren't new spending. marking the card as long-term debt and payments with the matching budget impact keeps your day-to-day budget about this month's money, while the debt itself stays visible in your net worth.

Excluding transactions from your budget

Reconnecting a bank whose login expired or stopped syncing

fixing an expired or broken connection reconnecting a bank whose login expired or stopped syncing why connections expire banks periodically end app connections for security — after a password change, enabled two-factor authentication, or simply a security policy at the bank. when that happens the connection shows as expired and stops syncing. your data in zypper is untouched; only the live feed is paused. we'll also email you when a connection expires you can manage that in notification settings . reconnecting 1. go to settings › connections 2. find the connection marked as needing attention and choose to reconnect 3. sign in to your bank through the secure plaid window reconnecting resumes syncing on the same accounts — history and categorization are preserved, and missed transactions backfill. if reconnecting keeps failing try again after a few minutes — banks sometimes have temporary outages. if it still fails, remove the connection and connect the institution fresh, or contact support and we'll dig in.

Fixing an expired or broken connection

Getting started

What Zypper is, how signup works, and your first steps

About Zypper

getting started with zypper what zypper is, how signup works, and your first steps what zypper is zypper is a personal finance platform that brings your entire financial life into one place . every plan includes the full money toolkit — bank syncing, budgeting, spend tracking, net worth, recurring-bill tracking, and more — and our premium plans add your credit reports and scores. see plans, pricing, and billing for the complete list of what each plan includes. signing up you create an account with just your email address — there are no passwords. during signup we ask for your name, address, and date of birth , which are used to verify your identity for features that require it, like loading your credit report. then you pick a plan and you're in. your first steps the dashboard's getting-started checklist walks you through the essentials: 1. connect your bank accounts — transactions and balances start syncing daily 2. set up your budget — assign your money to categories 3. review your recurring bills — zypper detects them from your transactions 4. some of our premium plans require you to verify your identity to load your credit report and scores from there, everything updates as you live your financial life — and this help center covers each feature in depth.

Getting started with Zypper

News & announcements

Our product has a new name — same account, same features, Zypper

Announcements

introducing zypper our product has a new name — same account, same features, zypper a new name, same product our product is now called zypper . everything else is unchanged: your account, your login, your subscription, your price, and your data are all exactly as they were — only the name and the website address are new. what you'll notice - the website is now zypper.com , and the product says zypper everywhere it used to show our previous name - charges on your bank or card statement now appear as zypper.com — same subscription, same amount. if you see a zypper.com charge you don't recognize, it's most likely your existing subscription under the new name. - emails from us now come from zypper nothing you need to do you sign in the same way as always with the same email address. if anything about the transition looks off, contact support and we'll sort it out.

Introducing Zypper

How couple plans and billing work, and how to add someone to your household

Households & couples

inviting your partner or family member how couple plans and billing work, and how to add someone to your household how couple plans work a couple plan covers two people under one subscription . the person who owns the plan the household owner is the only one billed — the person you invite is never charged and doesn't need a subscription of their own. both of you get full access to everything in the plan , each through your own separate login: your own credit reports and scores, plus the money tools you share as a household. for plan options and pricing, see plans, pricing, and billing. sending an invitation invitations are sent by the household owner from the dashboard: 1. go to settings lower left corner 2. open the members tab 3. enter the email address of the person you'd like to invite 4. they'll receive an invitation by email — they need to open that email and accept the invitation what the other person gets once they accept, they sign in with their own email address and get their own private login under your plan — you don't share a password or an inbox. - credit is individual. each person verifies their own identity with the credit bureaus and gets their own credit reports and scores. you can't view or pull someone else's credit report for them, since credit reports are tied to each individual's verified identity. - money tools are shared. connected financial accounts, transactions, and budgets belong to your household, so you both work from the same picture. common questions does the other person pay anything? no. billing stays with the household owner — one subscription, one charge, covering both of you. the couple plan is paid for, but the partner's info isn't visible. that's expected: each member sees their own credit report under their own login. if your partner hasn't joined yet, send them an invite from settings › members. the person i invited already has their own zypper subscription. they'll need to cancel their own subscription and let it run out first. even then, if they've used the money tools on their own account, they'll hit an error when accepting — contact support and we'll help move them over. i'm on an individual plan and want to add someone. switch to a couple plan from your dashboard settings first, then send your invite from the members tab.

Inviting your partner or family member

Editing, categorizing, searching, and bulk-updating your transactions

Transactions

managing and reviewing transactions editing, categorizing, searching, and bulk-updating your transactions everything is editable every synced transaction can be edited from the transactions page: change its category , rename the merchant , add tags and notes , or adjust how it counts toward your budget. zypper categorizes transactions automatically as they arrive; your edits always win over the automatic choice. the one exception is pending transactions: until a transaction posts, its date, review status, and budget settings are locked. finding transactions search by keyword, or filter by account, amount, category, date range, merchant, tag, review status, or recurring group — filters combine, so you can answer questions like "uncategorized transactions over $100 this month" in a few clicks. bulk editing select multiple transactions to change their category, tags, or other fields in one action. bulk changes can be undone immediately after applying if the result isn't what you expected. the review workflow transactions can be flagged as needing review — useful when you want to confirm categorization on new activity. mark them reviewed as you go, and use the review-status filter to see what's still waiting. to make your categorization automatic going forward, set up transaction rules.

Managing and reviewing transactions

Controlling which email notifications Zypper sends you

Your account

managing your notifications controlling which email notifications zypper sends you where notification settings live go to settings › notifications . each notification type has its own email toggle, so you control exactly what lands in your inbox. you'll also see the same events in the in-app notification center. what zypper can notify you about - credit report refresh available — your next 30-day refresh is ready - credit score changes — your scores moved in a new report - new accounts available — your bank reports accounts you haven't added yet - connection expired — a bank connection needs reconnecting - recurring payments identified — zypper detected new subscriptions or bills - upcoming payment expected — a recurring bill is due soon turning a toggle off stops those emails immediately; turning it back on resumes them. an active subscription is required to receive notifications.

Managing your notifications

Billing & subscriptions

Updating your payment method, finding receipts, and managing billing

Payments

managing your subscription, payment methods, and receipts updating your payment method, finding receipts, and managing billing your billing home everything billing-related lives in settings › billing : your current plan, renewal date, payment method, and access to the secure billing portal. payment methods zypper accepts credit and debit cards, us bank accounts, and cash app . update your payment method anytime from the billing portal — the next charge uses the new method. if a payment won't go through, see troubleshooting declined or failed payments. receipts and invoices every successful charge sends a receipt to your email automatically, and your full invoice history is available in the billing portal — useful for expense reports or just confirming what you've paid. changing or pausing your plan switch plans or billing intervals anytime — see plans, pricing, and billing. if you're stepping away, you may also be offered the option to pause your subscription instead of canceling, which stops billing while keeping your account ready to resume.

Managing your subscription, payment methods, and receipts

Tracking accounts and assets by hand when a live connection is not available

manual accounts tracking accounts and assets by hand when a live connection is not available what a manual account is a manual account is one you create and update yourself instead of syncing through a bank connection. use one for anything without a live connection — property, a vehicle, cash, a private loan, or an account at an institution zypper can't connect to yet. creating a manual account from your accounts page, add a new account, give it a name, and choose whether it should count toward your budget. its balance is whatever you set — update it whenever the real value changes. how manual accounts behave manual accounts appear alongside connected ones and count toward your net worth. because there's no live feed, transactions and balances only change when you change them. if your institution later becomes connectable, you can connect it and remove the manual account.

Manual accounts

Who Rook is, what he can help with over chat and email, and how to reach a human teammate

meet rook, zypper's ai support agent who rook is, what he can help with over chat and email, and how to reach a human teammate rook is zypper's ai support agent rook is the ai agent behind zypper support — the teal bird in the byline at the top of every help article. he writes and maintains the articles in this help center, and he's the first to reply when you contact us by chat or email . rook can do nearly everything a human support agent can do . he doesn't just point you to articles — he can dig into the specifics of your situation, troubleshoot with you step by step, and resolve requests directly. what rook can help with - account problems — trouble signing in, connection issues, questions about your data, and anything covered in this help center - billing questions and requests — charges on your statement, receipts, plans and pricing, subscription changes, and refunds - how zypper works — any question about budgets, transactions, cash flow, or the rest of the product reaching rook the fastest way to get help is the in-app chat : sign in at zypper.com and open the chat from your dashboard. you can also email support@zypper.com . rook replies on both channels at any time of day. a human is always available rook works alongside our human support team, not instead of it. he brings a teammate into the conversation whenever a request needs one — and if you'd rather talk to a person at any point, just say so and he'll hand the conversation over. common questions is rook a real person? no. rook is an ai agent, and we're upfront about that. our human support team oversees his work and steps in whenever needed. can rook actually fix things, or only answer questions? rook can resolve most requests himself, including account troubleshooting and billing requests. when something requires a human, he routes it to one instead of guessing. did rook write this article? yes — rook writes and updates every article in this help center, which is why his name appears in the byline.

Meet Rook, Zypper's AI support agent

Why a transaction may not have appeared yet and how to get current data

missing or delayed transactions why a transaction may not have appeared yet and how to get current data the usual cause: normal posting delays a new purchase starts as pending at your bank and typically takes 1–3 business days to post. some banks share pending transactions right away — those show up in zypper marked as pending — while others report a transaction only once it posts. either way, a transaction made today often appears in zypper a day or two later. this is bank-side timing, not data loss. what to check 1. refresh the connection from settings › connections to pull the latest data — accounts also sync automatically every day. 2. check the connection status. an expired connection stops new transactions entirely until you reconnect. 3. check the account is added. if the transaction is in an account you never added to zypper — say, a newly opened account — add the account itself. if transactions are still missing days after posting at your bank, contact support with the account and date and we'll investigate.

Missing or delayed transactions

How Zypper computes and charts your net worth over time

net worth tracking how zypper computes and charts your net worth over time one number for your whole financial picture net worth is everything you own minus everything you owe. zypper computes it from all your accounts — bank balances, investments, property, and vehicles on the asset side; credit cards and loans on the liability side — and charts it over time so you can see the trend, not just today's number. what's included every account in zypper counts: connected accounts update automatically every day, and manual accounts contribute whatever balance you've set. that's why it's worth adding manual accounts for assets you can't connect — without them, your net worth reads low. keeping it accurate if the number looks off, check for accounts you haven't added yet, manual balances that need updating, or a connection that's expired and stopped syncing.

Net worth tracking

Using tags to label transactions across categories

organizing transactions with tags using tags to label transactions across categories tags cut across categories categories answer "what kind of spending was this?" — tags answer everything else: a vacation, a reimbursable work expense, a home renovation project. a transaction has exactly one category but can carry any number of tags , so tags are how you track things that span many categories. using tags create a tag with its own color the first time you need it, right from the transaction editor. then: - add one or more tags to any transaction - filter the transactions page by tag to see everything with that label and its total - apply tags in bulk to many transactions at once - add tags automatically with transaction rules rename, recolor, or delete tags anytime — deleting a tag removes the label, never the transactions.

Organizing transactions with tags

Current plans, what's included in each, monthly vs annual billing, and how to change or cancel your plan

Plans & pricing

plans, pricing, and billing current plans, what's included in each, monthly vs annual billing, and how to change or cancel your plan current plans - essentials individual — $12.99/month or $94.99/year - essentials couple — $14.99/month or $99.99/year - premium credit individual — $24.99/month or $239.88/year - premium credit couple — $44.99/month or $467.88/year couple plans cover two people in one household under a single subscription — see inviting your partner or family member. what every plan includes all plans include zypper's full set of money tools, as listed on the pricing page: - daily bank sync — connect your bank accounts to automatically sync and categorize transactions and balances daily - auto categorization — transactions are categorized automatically for accurate budgeting and spend tracking - envelope budgeting — assign every dollar of income and expenses zero-based budgeting - spend tracking — see your spending habits by category over time - net worth tracking — bank accounts, real estate, investments, credit cards, and loans combined into a single balance over time - subscription & bill tracking — recurring bills and subscriptions identified automatically, with due dates - savings goals — set and track savings for large purchases or emergencies - cash flow reports — income versus expenses over time - customizable categories — create your own categories to match your spending - customizable reports — advanced charts, reports, and tables of your full financial picture - email & chat support — reach our support team anytime what premium credit adds premium credit includes everything above, plus credit reports & scores from all three bureaus transunion, experian, and equifax , refreshed every 30 days — see credit report refresh schedule. each report also comes with automatic insights and score recommendations. premium credit also includes the ai assistant — personalized guidance and insights for financial decisions. free trials the essentials plan comes with a 7-day free trial for new customers, but the premium credit plan does not include a free trial and requires payment at the time of activation. when a trial is available for the plan you choose, the trial length is shown at checkout before you pay, and it's applied automatically. monthly vs annual billing annual plans bill once per year , upfront. a single larger charge for example, $239.88 is an annual plan covering 12 months — not an error. monthly plans bill every month on the date you first subscribed. changing or canceling your plan you can change plans, switch between monthly and annual, or cancel from your dashboard settings at any time. when you cancel, your subscription remains active until the end of the period you've already paid for, and you won't be billed again. switching to a different plan if you accidentally subscribed to a different plan than you intended, contact support and we'll get you switched to the right one.

Plans, pricing, and billing

How Zypper protects your data, what we access, and how to control your information

privacy and security at zypper how zypper protects your data, what we access, and how to control your information how your data is protected - no passwords to steal. zypper uses email sign-in links and google sign-in — there's no zypper password that can be phished or reused from another site's breach. - bank credentials never touch zypper. account connections run through plaid; you sign in on your bank's own screen, and zypper receives read-only financial data, never your login. - payment details are handled by our payment processor. your card number is stored by a dedicated third-party payment processor, not on zypper's servers. what we do with your data we use your data to run the product — syncing your accounts, building your budget and reports, retrieving your credit reports. we don't sell your personal information. the details, including everything we collect and why, are in our privacy policy. your controls - each household member has their own private login ; credit data is individual to each verified person - to delete your account and personal data , contact support and we'll take care of it, as described in the privacy policy

Privacy and security at Zypper

How Zypper identifies subscriptions and bills and predicts upcoming payments

Recurring & subscriptions

recurring transactions and bill tracking how zypper identifies subscriptions and bills and predicts upcoming payments zypper finds your recurring payments automatically as transactions sync, zypper identifies recurring groups — subscriptions, bills and utilities, recurring income, and credit card payments — from the pattern of your actual transactions. you don't enter bills by hand; they surface on the recurring page as they're detected, and we'll notify you when new ones are identified. what you see per recurring group - the frequency — weekly, every 2 weeks, monthly, every 2, 3, or 6 months, yearly, and more - the next expected payment and amount, predicted from the pattern - the status — active, inactive, or overdue expected but not seen - the spending history for that subscription or bill over time we can also notify you before an expected payment arrives — manage that in notification settings. keeping the list accurate rename a group if the merchant name is cryptic, and delete a group that isn't really recurring. if a subscription you canceled stops charging you, its group goes quiet — a useful confirmation that the cancellation stuck.

Recurring transactions and bill tracking

When refunds are available on Essentials and credit plans

refund policy when refunds are available on essentials and credit plans essentials plan if you're on the essentials plan, we'll refund your most recent charge on request — just contact support from the email on your account. refunds apply to the most recent charge only, and canceling stops any future billing see plans, pricing, and billing . plans with credit report access for plans that include credit reports like premium credit , refunds are reviewed case by case . when zypper retrieves your credit report, the credit bureaus charge us for that report at the moment it's delivered — that cost is incurred on your behalf and can't be recovered. because of it, charges on credit plans generally can't be refunded once a report has been delivered for the billing period. that said, if something went wrong — you were charged in error, or you paid and never received your report — contact support and we'll make it right. stopping future charges a refund and a cancellation are separate things: canceling your plan stops future billing at the end of the paid period, whether or not a refund applies. you can cancel anytime from your dashboard settings.

Refund policy

Signing in with an email link or Google, changing your email address, and fixing common sign-in issues

signing in to zypper signing in with an email link or google, changing your email address, and fixing common sign-in issues zypper doesn't use passwords there is no password to set, remember, or reset. instead, there are two ways to sign in: a secure link we email you, or your google account. signing in with an email link 1. go to zypper.com and click log in 2. enter the email address you signed up with 3. open the email we send you and click the sign-in link — it signs you right in sign-in links are single-use and expire after 1 hour . if yours expired, just request a fresh one from the login page. signing in with google if your zypper account uses a google email address like gmail or a google workspace address , you can click continue with google on the login page instead of waiting for an email. this works even if you've always signed in by email link before — as long as the google account's email matches your zypper email, it connects to your existing account automatically. changing your email address you can change your own email address anytime: 1. go to settings lower left corner 2. on the profile tab, click edit next to your email address 3. enter your new email address — we'll send a 6-character code to that new inbox 4. enter the code to confirm, and your account switches to the new address the code expires after 1 hour, and the new address can't already belong to another zypper account. your subscription, credit history, and data all stay with your account — only the sign-in email changes. common issues the link expired. sign-in links are single-use and expire after 1 hour for security. request a fresh one from the login page. the email never arrived. check your spam or junk folder, and make sure you entered the exact email address you signed up with. the app keeps asking you to subscribe. if you can sign in but the app asks you to pay again, you may be signed in with a different email address than the one holding your subscription. try logging in with any other email addresses you use — including with continue with google , which may point at a different address than the one you typed. signed up with a mistyped email and can't sign in at all. changing your email requires being signed in first, so if the sign-in emails are going to an address you can't access, contact support and we'll help you recover the account.

Signing in to Zypper

Dividing one transaction across categories, and linking transfers between accounts

splitting and linking transactions dividing one transaction across categories, and linking transfers between accounts splitting a transaction one charge often covers more than one thing — a superstore run that's part groceries, part household. splitting divides a transaction into parts, each with its own amount and category , so your budget and reports reflect what the money actually went to. the parts always add up to the original amount, and you can un-split later. linking transfers when money moves between your own accounts — a credit card payment, a savings transfer — both sides show up as transactions. linking them tells zypper they're one transfer, not income and spending , so they don't distort your cash flow. zypper links these pairs automatically; if two transactions were linked in error, you can unlink them from the transaction's details.

Splitting and linking transactions

The kinds of financial accounts you can connect or track in Zypper

supported account types the kinds of financial accounts you can connect or track in zypper what you can connect through bank connections, zypper supports the major account types: - checking and savings accounts — including money market and cds - credit cards - investment and brokerage accounts — including 401 k , ira and roth ira, hsa, 529 plans, and crypto exchange accounts - loans — including mortgages, auto loans, student loans, and personal loans checking, savings, and credit card accounts feed your transactions, budget, and cash flow automatically. investment, brokerage, and loan accounts contribute their balances to your net worth. everything else: manual accounts anything you can't connect — property, vehicles, a private loan, an account at an unsupported institution — can still be part of your financial picture as a manual account, so your net worth stays complete.

Supported account types

Automatically categorizing and editing transactions as they arrive

transaction rules automatically categorizing and editing transactions as they arrive rules edit new transactions for you a rule watches transactions as they sync and applies your changes automatically. if you keep making the same fix by hand — recategorizing a merchant, tagging a bill — a rule does it for you from then on. what a rule can match on any combination of merchant, category, account, amount, and keyword . for example: merchant contains "netflix", or amount is exactly $9.99 in a specific checking account. what a rule can do set the category , rename the merchant , add tags , set the budget impact , mark the review status , or assign to a savings goal. managing rules rules live in settings › rules . they run in order from top to bottom — drag to reorder when two rules could match the same transaction and you want one to win. edit or delete a rule anytime; rules apply to transactions that arrive after the rule exists.

Transaction rules

Troubleshooting report loading errors and bureau identity verification

troubleshooting credit report loading and identity verification troubleshooting report loading errors and bureau identity verification why this happens to show your credit report, the credit bureaus must first verify your identity. if your report won't load, it's almost always one of these: - identity verification didn't complete — the bureaus couldn't match your details - a detail doesn't match bureau records — name, address, date of birth, phone number, or ssn entered differently than what the bureaus have on file - a temporary error at the bureau — occasionally their systems have hiccups what to try 1. refresh your browser and try again — temporary errors often clear on retry. 2. re-verify your identity from your dashboard, making sure every detail is 100% accurate and matches your official records: full legal name, current address as it appears on file with lenders, and correct date of birth and ssn. 3. use your own phone number. verification can involve your phone — a number that isn't yours or a work/voip line can cause failures. fixing details entered during signup if you mistyped your phone number or another detail during signup and verification now fails, contact support — we can reset your verification so you can go through it again with the correct information. verification attempts are limited for security, the bureaus limit how many verification attempts you can make in a period. if you've used all attempts, you'll be able to try again after a waiting period — contact support if you're stuck.

Troubleshooting credit report loading and identity verification

Declined payments, pending charges that disappear, and cards that won't go through

troubleshooting declined or failed payments declined payments, pending charges that disappear, and cards that won't go through the most common cause: your bank declined the payment if you tried to pay or reactivate your subscription from your billing settings and the app still says you need to subscribe, the payment almost always didn't go through — most often because your bank declined the transaction, even if your banking app shows a pending charge. about that "pending" charge: when a card is declined after authorization, the pending transaction in your banking app disappears on its own, usually within 24 hours. the money was never actually taken. what to do - try a different card. this resolves the vast majority of cases. - try paying through cash app. if your credit or debit card won't go through directly — or through apple pay or google pay — add the same card to cash app and choose cash app as your payment method at checkout instead. payments made this way sometimes succeed where the direct card payment was declined. - call your bank. ask them to allow the transaction — declines for online subscriptions are often the bank's fraud filter, and they can approve it on their end. - check your email address. if your payment succeeded but you still see a subscribe screen, you may be logged in with a different email than the one you paid under — see signing in to zypper. confirming what happened if a payment truly succeeded, you'll receive a receipt by email from zypper. no receipt usually means no successful charge. if you have a receipt and still don't have access, contact support and we'll fix it.

Troubleshooting declined or failed payments

Financial professionals

The Zypper partner program for advisors, professionals, and creators

Partners and professionals program

zypper for advisors and financial professionals the zypper partner program for advisors, professionals, and creators the zypper partner program advisors, financial professionals, and creators who recommend zypper can join our partner program and earn for the clients they bring. partners earn a 20% recurring commission on referred customers, paid for the lifetime of the subscription — as long as your referral stays a customer, you keep earning. how it works 1. sign up at partners.zypper.com/signup 2. get your personal referral link 3. share it with clients and your audience — anyone who subscribes through your link is credited to you automatically managing your partnership track your referrals, commissions, and payouts anytime in the partner portal at partners.zypper.com. for details about the program, see zypper.com/partners, or reach us through the contact page with any questions.

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