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.