Zip

ZestMoney is a consumer lending fintech company founded in 2016 by Priya Sharma, Lizzie Chapman, and Ashish Anantharaman. The company offers a digital lending platform that enables retail consumers to access small loans through Equated Monthly Installments (EMIs) without the requirement of a credit card or credit score. By leveraging mobile technology, digital banking, and artificial intelligence, ZestMoney aims to democratize access to financing for millions of Indian consumers. The platform utilizes AI and machine learning for effective risk profiling, allowing clients to build their credit profiles and improve their credit scores. ZestMoney collaborates with various financial institutions and non-banking financial companies to facilitate these loans, thereby enhancing financial inclusion.

ZestMoney is a consumer lending fintech company founded in 2016 by Priya Sharma, Lizzie Chapman, and Ashish Anantharaman. The company offers a digital lending platform that enables retail consumers to access small loans through Equated Monthly Installments (EMIs) without the requirement of a credit card or credit score. By leveraging mobile technology, digital banking, and artificial intelligence, ZestMoney aims to democratize access to financing for millions of Indian consumers. The platform utilizes AI and machine learning for effective risk profiling, allowing clients to build their credit profiles and improve their credit scores. ZestMoney collaborates with various financial institutions and non-banking financial companies to facilitate these loans, thereby enhancing financial inclusion.

Payflex is an online payment product that enables shoppers to shop now and pay in 4 equal installments.

Twisto is a payment platform that enables flexible online purchases and bill management across Central and Eastern Europe. It provides deferred payments and pay-in-three options, with physical and virtual cards and mobile wallet integrations that support Mastercard and Apple Pay compatible transactions. Through the Twisto app, users can capture bills by photo, consolidate multiple payments, and settle them at the end of the month. The service aims to simplify spending by offering one-click online checkout alongside tools to track and manage expenses, while enabling broader use of the card and wearable payment options for everyday transactions. It also supports international payments with competitive exchange rates, helping users manage cross-border purchases without friction.

Founded in 2020, Spotii is a pioneering payments platform dedicated to Fashion, Beauty, and Lifestyle brands. It enables customers to shop now and pay later with no interest or additional costs.

Payflex is an online payment product that enables shoppers to shop now and pay in 4 equal installments.

Twisto is a payment platform that enables flexible online purchases and bill management across Central and Eastern Europe. It provides deferred payments and pay-in-three options, with physical and virtual cards and mobile wallet integrations that support Mastercard and Apple Pay compatible transactions. Through the Twisto app, users can capture bills by photo, consolidate multiple payments, and settle them at the end of the month. The service aims to simplify spending by offering one-click online checkout alongside tools to track and manage expenses, while enabling broader use of the card and wearable payment options for everyday transactions. It also supports international payments with competitive exchange rates, helping users manage cross-border purchases without friction.

Founded in 2020, Spotii is a pioneering payments platform dedicated to Fashion, Beauty, and Lifestyle brands. It enables customers to shop now and pay later with no interest or additional costs.

Quadpay is a prominent US-based installment payment platform that offers consumers an alternative to traditional credit through a straightforward and transparent payment method. The platform allows customers to divide their purchases into four interest-free installments, payable over six weeks, making it easier to manage expenses. By focusing on innovation and customer experience, Quadpay has attracted millions of users and integrates seamlessly with a wide range of merchants. This capability allows customers to shop both online and in-store with leading global retailers, enhancing the shopping experience while providing retailers with an opportunity to expand their business.

PartPay Limited, established in 2016 and based in Auckland, New Zealand, specializes in online payment processing solutions for merchants. The company offers a payment application that facilitates installment payments, allowing users to purchase goods online or in retail stores by paying in four installments without incurring additional interest charges. PartPay serves over 110,000 customers and has integrated its services into more than 1,000 retailers, managing over 250,000 installment plans. In November 2019, PartPay was acquired by Zip Co Limited, further enhancing its capabilities in the payment processing sector.

Pocketbook is an online platform that provides personal finance software aimed at simplifying money management for individuals and households. The tool automatically categorizes users' spending into various segments, such as clothing, groceries, and fuel, allowing users to gain insights into their financial habits. Upon signup, users receive immediate access to detailed information about their past and future spending, streamlining the budgeting process. By offering a clear overview of expenses, Pocketbook empowers users to track their finances effectively and make informed decisions about their money management.