News

Zip Empowers Customers With Flexibility and Control This Holiday Season

Zip Co (ASX: ZIP), the digital financial services company offering innovative, people-centred products, safely processed approximately 1.6m transactions at over 280,000 locations across the Group over the 2025 Black Friday and Cyber Monday (BFCM) weekend.

United States

Customers continue to primarily use Zip for non-discretionary purchases, providing them with the confidence to manage their holiday spend flexibly.

• What customers are spending on: The most popular categories for Zip customers were groceries, online marketplaces, tech and electronics, and fashion. The fastest growing categories were service stations and convenience stores, automotive, beauty, restaurants and groceries.
• Who’s using Zip: Millennials accounted for 51% of transactions, followed by Gen Z, Gen X, and Boomers with growth exhibited across all customer cohorts.
• Where customers are spending: In-store payments accounted for 28% of total US orders, up from 22% over the 2024 BFCM weekend, demonstrating that brick-and-mortar retail continues to remain popular with customers.
• Peak shopping moments: The peak shopping day was Black Friday with the peak hour of activity between 2pm - 3pm and the peak minute of activity between 2.23pm - 2.24pm. The afternoon (between 1pm - 5pm) saw the greatest activity across the 2025 BFCM weekend. Zip saw the strongest year-on-year growth across daytime users (from 11am - 8pm), with growth across all time periods.

Australia and New Zealand

Customers are increasingly using Zip’s digital Visa card proposition for both online and in-store purchases, particularly for everyday spend. This resulted in our customers transacting at more locations this BFCM weekend than ever.

• What customers are spending on: The most popular categories for Zip customers were everyday spend categories (such as groceries, service stations and bills), as well as more traditional BFCM spend categories online marketplaces, electronics and department stores. The fastest growing categories were digital goods such as games and applications.
• Who’s using Zip: Millennials accounted for 44% of transactions, followed by Gen Z, Gen X and Boomers with growth exhibited across all customer cohorts.
• Where customers are spending: In-store purchases accounted for almost half of transactions, reinforcing customers’ continued demand for omnichannel products and experiences.
• Peak shopping moments: The peak minute of transacting was recorded on Black Friday between 9.40pm - 9.41pm, with the peak shopping day being Black Friday. The afternoon (between 1pm - 5pm) saw the greatest activity across the 2025 BFCM weekend, with year-on-year growth exhibited across all time periods but particularly across early morning users (pre 7am).

ENDS

Media Contact

For any media enquiries, please contact:

• US enquiries: press@zip.co
• ANZ enquiries: media.relations@zip.co

About Zip

Zip Co Limited (ACN 139 546 428) (ASX: ZIP) is a digital financial services company, offering innovative and people-centred products. Operating in two core markets - Australia and New Zealand (ANZ) and the United States (US), Zip offers access to point-of-sale credit and digital payment services, connecting millions of customers with its global network of tens of thousands of merchants.

Founded in Australia in 2013, Zip provides fair, flexible and transparent payment options, helping customers to take control of their financial future and helping merchants to grow their businesses.

For more information, visit: http://www.zip.co. US loans through the Zip app and Zip Checkout are originated by WebBank.

Disclaimer All data presented are unaudited and subject to adjustment. In the US, data reflects Friday, November 28 2025, 12.00am ET to Monday, December 1 2025, 11.59pm ET. In ANZ, data reflects Friday, November 28 2025, 12.00am AEDT to Monday, December 1 2025, 11.59pm AEDT.

Zip Co Limited (“Zip”) provides the following statement in response to an inquiry from State Attorneys General offices dated December 1, 2025:

Attributable to a Zip spokesperson:

"The BNPL industry in the US, including Zip, received an inquiry from State Attorneys General offices. We are assessing the voluntary request. Zip continues to operate in the US consistent with the CFPB's interpretive rule on BNPL despite the rule's rescission, and supports fit-for-purpose regulation that protects consumers and fosters innovation."

Integration strengthens Zip’s reach and enhances its position as a flexible and accessible option within one of the world’s largest payment networks

New York, NY - Zip (ASX: ZIP), the digital financial services company offering innovative, people-centered products for everyday Americans, today announced the next evolution of its partnership with Stripe, the programmable financial services business. Zip is now available through Stripe’s optimized checkout interfaces, including Elements, Checkout, and Payment Links, empowering US merchants to drive incremental sales while engaging with a broader, financially underestimated customer segment. With a no-code setup, merchants can easily enable Zip directly from their Stripe Dashboard, streamlining integration and enabling Zip’s pay in installments payment method in their Stripe checkout experience.

Merchants can support BNPL with confidence

Zip designs innovative financial solutions with everyday people in mind, and as a result, offers a best-in-class decisioning engine and Payment Experience. The non-payment risk associated with shopper installments is assumed through Zip, so its merchant partners receive full payment upfront. It’s a model that unlocks new revenue while safeguarding margins, empowering merchants to serve confidently.

Key benefits for merchants include:

• Seamless activation – Enable Zip in seconds directly through the Stripe Dashboard.
• Expanded reach – Connect with high-intent shoppers who may have been overlooked by traditional financial services and other BNPL providers
• Conversion uplift – Offer a trusted BNPL option that boosts order values and reduces cart abandonment.
• Full payment upfront – Receive full payment while Zip manages customer repayments.

“Through our expanded partnership with Stripe, we are accelerating Zip’s US growth by making flexible payments available to more merchants and customers than ever before,” said Joe Heck, U.S. CEO of Zip. “This integration showcases the strength of Zip’s offering and reinforces our commitment to building solutions that scale.” The Zip integration is now available to Stripe merchants in the US, supporting transactions in USD. Compliance, branding, and fraud protections are aligned with both Stripe and Zip standards to ensure a safe and seamless experience.

See more here: https://stripe.com/payment-method/zip.

About Zip:

Zip Co Limited (ACN 139 546 428) (ASX: ZIP) is a digital financial services company, offering innovative and people-centered products. Operating in two core markets - Australia and New Zealand (ANZ) and the United States (US), Zip offers access to point-of-sale credit and digital payment services, connecting millions of customers with its global network of tens of thousands of merchants.

Founded in Australia in 2013, Zip provides fair, flexible and transparent payment options, helping customers to take control of their financial future and helping merchants to grow their businesses.

For more information, visit: www.zip.co

Eligibility criteria apply. See payment terms: [Zip Loan Terms of Service | Zip](https://zip.co/us/quadpay-terms-of-service). Loans through in the United States Zip are originated by WebBank.

Premier Partnership Enables Zip to Thank Customers with Personally Tailored Gift Offers After Checkout.

New York, NY - Zip.co (ASX: ZIP), the digital financial services company offering innovative, people-centered products, today announced its partnership with Nift, the technology company connecting commerce platforms to advertisers and brands to new customers. The partnership allows Zip to thank its users with personally tailored gift offers after they complete a purchase, enhancing the value of their shopping experience and building deeper customer connections.

“We’re focused on giving our customers more than just flexible payments,” said Joe Heck, US CEO at Zip. “Adding Nift to our checkout experience helps our customers discover brands that matter to them while getting extra value from every purchase. It’s another way we’re making their money work harder.”

The new integration seamlessly weaves Nift’s offerings into the Zip user experience, enabling the platform to show appreciation to customers in a way that feels fully consistent with the brand. When a Zip customer completes a transaction, Nift’s AI-powered platform matches them with relevant gift options based on their personal preferences and interests. Each thank-you gift allows the Zip customer to discover and redeem a personalized offer from one of the thousands of leading brands in Nift’s merchant ecosystem.

“Nift was built to help consumer-facing commerce platforms create moments of customer appreciation that feel completely native rather than intrusive,” said Elery Pfeffer, founder and CEO of Nift. “Through this integration, we’re giving Zip’s customers a meaningful thank-you powered by AI that matches them with brands they’ll love and enabling Zip to tap new ad inventory and revenue without disrupting the customer journey.”

For consumers, Nift creates opportunities to discover new brands in a rewarding way, fostering positive experiences that drive engagement, loyalty, and lasting connections.

About Zip

Zip Co Limited (ACN 139 546 428) (ASX: ZIP) is a digital financial services company, offering innovative and people-centered products. Operating in two core markets - Australia and New Zealand (ANZ) and the United States (US), Zip offers access to point-of-sale credit and digital payment services, connecting millions of customers with its global network of tens of thousands of merchants.

Founded in Australia in 2013, Zip provides fair, flexible and transparent payment options, helping customers to take control of their financial future and helping merchants to grow their businesses.

For more information, visit: www.zip.co. US loans through the Zip app and Zip Checkout are originated by WebBank, except for Zip-originated loans in CO, NV, MA, and MD.

About Nift

Nift is a technology company enabling consumer platforms and publishers to increase revenue, brand sentiment and loyalty by offering high-value thank-you gifts to their customers at any moment in the digital journey. Cash App Afterpay, Gopuff, iHeartMedia, Klarna, Match, ParkMobile and Zip are among the hundreds of leading companies partnering with Nift to surprise and delight their customers with exclusive gifts that let them discover and try new products and services from thousands of leading brands, retailers and subscription companies. Each month, Nift delivers more than 50 million thank-yous for its partners in the US, the UK and Canada. In 2024, Nift ranked #109 on the Deloitte Technology Fast 500 list of the 500 fastest-growing technology companies in North America, based on its revenue growth of 1,111% over the previous three years. To learn more, visit GoNift.com.

Media Contacts

For Zip: zip@moxeigrouppr.com

For Nift: Michael McMullan Berns Communications Group mmcmullan@bcg-pr.com