Actually, on second reading, I take it all back. This line is ambiguous and technically makes the user responsible for "all" fees, which presumably includes fees to the service provider. Even more shady is these fees aren't stated

"If charges cannot be processed through your debit or credit card, or if your bank draft or electronic funds transfer is returned for insufficient funds, you will be responsible for any fees incurred and Zip will have no liability with respect thereto."

As a reasonable human, I read this to mean no fees paid to the service provider.

As a proficient reader, this means the user is agreeing to paid undisclosed fees.

Is this an example of over broad TofS turning away customers, or TofS designed to screw over customers?