Zip
Zip Co Limited is a financial technology company that provides point-of-sale credit and digital payment services to consumers and merchants across several countries, including Australia, the United Kingdom, the United States, New Zealand, and South Africa. The company operates through various segments, including ZIP AU, Zip Global, and Spotcap, offering integrated retail finance solutions tailored to industries such as retail, education, health, and travel. Zip's services include digital wallets like Zip Pay and Zip Money, a personal finance application called Pocketbook, and unsecured loans for small and medium-sized businesses. Additionally, Zip offers a Buy Now Pay Later service, allowing consumers to split their repayments into manageable installments. Founded in 2009 and based in Sydney, Australia, the company was previously known as ZipMoney Limited before rebranding in December 2017. Through its offerings, Zip aims to provide flexible, interest-free credit options that enhance the shopping experience.
ZestMoney is a consumer lending FinTech company based in India that offers digital equated monthly installments (EMIs) without requiring a credit card or a credit score. Founded in 2016 by Priya Sharma, Lizzie Chapman, and Ashish Anantharaman, the company aims to make EMI payments accessible to a broader audience. By leveraging mobile technology, digital banking, and artificial intelligence, ZestMoney has reached millions of consumers across India. The company is supported by prominent global investors in digital financial services, including PayU, Ribbit Capital, and Omidyar Networks.
Spotii DMCC is a payment platform based in Dubai, United Arab Emirates, that facilitates online and in-person purchases by allowing customers to pay in four equal installments. Established in 2019, Spotii caters primarily to the Fashion, Beauty, and Lifestyle sectors, enabling consumers to shop immediately while deferring payment without incurring interest or additional costs. The platform also provides merchants with an API to integrate Spotii's payment solutions into their online and physical retail environments. This approach supports both consumers and retailers by enhancing shopping flexibility and accessibility.
Twisto Payments a.s., founded in 2013 and based in Prague, Czech Republic, operates a payment platform that caters to users in the Czech Republic and Poland. With over 600,000 users and 100,000 app and card clients, Twisto is recognized for its buy-now, pay-later capabilities and flexible installment financing. The company provides a user-friendly daily payments app that enhances the point-of-sale experience, allowing customers to make one-click bill and invoice payments, as well as access competitive foreign exchange rates and travel insurance. Twisto's platform supports convenient online purchasing through a virtual card and third-party payment tools, enabling customers to manage their payments efficiently and effectively. Additionally, Twisto serves as a primary Mastercard issuer and integrates seamlessly with Apple Pay, further streamlining the payment process for its users.
Developer of a financial platform intended to offer to buy now and pay later services to shoppers. The company's platform offers an interest-free, installment-based buy-now and pay-later for in-store payments as well as online platforms, enabling users to divide their payments at no additional costs over six weeks.
Twisto Payments a.s., founded in 2013 and based in Prague, Czech Republic, operates a payment platform that caters to users in the Czech Republic and Poland. With over 600,000 users and 100,000 app and card clients, Twisto is recognized for its buy-now, pay-later capabilities and flexible installment financing. The company provides a user-friendly daily payments app that enhances the point-of-sale experience, allowing customers to make one-click bill and invoice payments, as well as access competitive foreign exchange rates and travel insurance. Twisto's platform supports convenient online purchasing through a virtual card and third-party payment tools, enabling customers to manage their payments efficiently and effectively. Additionally, Twisto serves as a primary Mastercard issuer and integrates seamlessly with Apple Pay, further streamlining the payment process for its users.
Spotii DMCC is a payment platform based in Dubai, United Arab Emirates, that facilitates online and in-person purchases by allowing customers to pay in four equal installments. Established in 2019, Spotii caters primarily to the Fashion, Beauty, and Lifestyle sectors, enabling consumers to shop immediately while deferring payment without incurring interest or additional costs. The platform also provides merchants with an API to integrate Spotii's payment solutions into their online and physical retail environments. This approach supports both consumers and retailers by enhancing shopping flexibility and accessibility.
QuadPay is a prominent US-based installment payment platform that offers consumers a straightforward and responsible alternative to traditional credit. The service allows customers to make purchases by splitting the total amount into four interest-free payments over six weeks. This approach enables millions of users to shop online and in-store without incurring interest, enhancing their purchasing flexibility. QuadPay's innovative platform integrates seamlessly with a wide range of merchants, including many leading global retailers, thereby facilitating an enhanced shopping experience. By transforming the payment process, QuadPay not only supports consumer financial well-being but also aids retailers in expanding their business reach.
PartPay Limited, established in 2016 and based in Auckland, New Zealand, provides online payment processing solutions focused on installment payments. Acquired by Zip Co Limited in November 2019, PartPay serves over 110,000 customers through more than 250,000 installment plans, integrating its services with over 1,000 retailers. The company's payment application allows users to make purchases and pay for them in four installments without incurring additional interest charges. It offers a credit and spending limit while seamlessly integrating with users' bank accounts, facilitating a straightforward payment experience for both online and retail purchases.
Pocketbook Australia Pty Ltd. is a financial technology company that offers an online and mobile application designed to help users manage their personal finances. Founded in 2012 and based in Sydney, Australia, Pocketbook's application automatically categorizes spending into areas such as groceries, clothing, and fuel, providing users with insights into their financial habits. The platform allows users to set budgets, monitor account balances, and view transaction histories, while also integrating data from various financial institutions for a comprehensive overview of their spending. Additionally, Pocketbook enables users to incorporate invoices and bills, simplifying household budgeting. In 2016, Pocketbook became a subsidiary of zipMoney Limited.
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