News

Zip Co (ASX: ZIP), the digital financial services company offering innovative, people-centred products, has today announced the launch of ZMobile, a new mobile offering created in partnership with TPG Telecom, designed to make it easier for Australians to access great mobile plans, providing value without compromise.

ZMobile offers a seamless sign‑up experience and great value prepaid plans, packed with the features customers value most, including fast 4G/5G network access via TPG’s network reaching 98.5% of the Australian population, generous data with rollover, global roaming and international calling capabilities.

Zip currently serves approximately 10% of Australia’s adult population. ZMobile will be offered to existing Zip customers with great value introductory offers via the app in the coming weeks, before expanding to the broader market later in the year.

“With cost of living top of mind for every Australian, we are very excited to launch ZMobile, which delivers value without compromise,” said Peter Gray, Zip Co-founder and Head of Strategic Growth.

“Mobile is how people manage life, work and money, and unlocking financial potential starts with everyday bills you can actually control. ZMobile is designed to offer highly competitive pricing and a seamless customer experience, with a simple four-click sign-up process.

“ZMobile is the first of our capital light offerings and while initially available exclusively to Zip customers with exceptional introductory offers, in time it will also allow us to engage with millions of Australians looking for a better deal.”

Ankita Moses, Head of Mobile Wholesale at TPG Telecom, said, “We’re excited to bring ZMobile to market using TPG Telecom’s mobile network, which spans more than one million square kilometres across Australia. This partnership offers more Australians access to simple, great-value mobile plans backed by reliable mobile coverage.”

How it works

ZMobile customers can:

• Keep their existing number with simple number porting
• Choose a plan that suits their budget and mobile usage
• Sign up in four clicks via the Zip app
• Activate an eSIM and manage everything in the Zip app

Media Contact

For any media enquiries, please contact: Anjani Shyam | Communications Manager ANZ | anjani.shyam@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: www.zip.co

About TPG Telecom

TPG Telecom is an Australian telecommunications company which is home to some of Australia’s most-loved telecommunications brands including Vodafone, TPG, iiNet, Internode, Lebara and felix. As the second largest telecommunications company listed on the ASX, TPG Telecom has a strong challenger spirit and a commitment to delivering the best services and products to its customers. www.tpgtelecom.com.au

New York, NY – March 31, 2026 – Zip (ASX: ZIP), the digital financial services company offering innovative, people-centered products for everyday Americans, today announced an expansion of its merchant network, welcoming a diverse set of new partners to its platform.

The new partnerships span key verticals such as fashion, footwear, and specialty retail, including Finish Line*, GOAT, JD Sports*, and Shoe Palace*. These brands join more than 26,700 U.S. merchants available through Zip’s platform, which serves over 4.6 million active customers in the U.S.¹

"We are thrilled to welcome these new partners to our growing list of brands and retailers that trust us to provide a seamless payment experience,” said Joe Heck, US CEO at Zip. “Shoppers are demanding a better way to pay, one that offers transparency, flexibility and financial control. By continuously adding new merchant partnerships, we are meeting that demand head-on. We believe that access changes everything and we’re committed to building a future where access is available to all.”

The inclusion of these new partners underscores Zip’s continued commitment to building a valuable ecosystem that empowers its customers. By expanding payment options, Zip allows eligible consumers to manage their cash flow and make thoughtful purchasing decisions without compromise.

At the same time, merchants benefit from access to millions of high-intent shoppers seeking flexible ways to pay, along with increased visibility through Zip’s in-app shopping experience. The company’s growing merchant network is a direct reflection of Zip's commitment to provide flexible financial solutions that put control firmly in the hands of the shopper.

*in-store only

¹Zip’s 1H FY26 results released to the ASX

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. Loans through Zip are originated by WebBank.

Zip Co (ASX: ZIP), the digital financial services company offering innovative, people-centred products, has today released its ‘Inside the Wallet’ insights report*, unpacking the spending habits of Australian customers in the first half of FY26 (1 July 2025 to 31 December 2025).

Key insights include:

• Healthcare spend jumped 38%, with Dentistry leading the charge as customers turned to Zip to spread and manage essential health costs with greater flexibility and control.
• Strong growth in categories including Education, Utilities and Health
• All age cohorts increased spend, with customers aged 50+ leading growth and confidently blending digital convenience with in-store engagement.
• Hobby, Toy, and Game Shops spending climbed 37% YoY, highlighting consumer interest in collectible culture
• Used Merchandise and Secondhand Stores surged 137% YoY reflecting the rise of circular fashion and consumer focus on reuse and individuality

Soraya Alali, Zip ANZ CEO commented, “Australian consumers demonstrated resilience and adaptability in the first half of FY26, with spending patterns increasingly anchored in everyday essentials and services. Consumer behaviour reflected a gradual stabilisation in conditions with spending choices shaped by a focus on value and flexibility. This behaviour underscores the role of Zip’s flexible repayment model in helping customers align repayments with income cycles to maintain control over their budgets.

Notably, this shift has been supported by increased use of Zip’s digital payment propositions, particularly Zip Plus, enabling higher-frequency, everyday spending across both online and in-store channels.

Growth was led by everyday spend including groceries, healthcare, education and utilities. Demographically, spending increased across all age cohorts during the period, reflecting the broad relevance of Zip’s products in supporting both everyday needs and larger life events. Customers aged 50+ recorded the strongest year-on-year growth, reflecting increasing engagement from more mature consumers across categories including restaurants, travel and entertainment. Younger cohorts also contributed to growth, with spending more concentrated in categories like dentistry and travel.”

View the full report here.

*All figures referenced in this document are derived from Zip internal data for the period 1 July 2025 and 31 December 2025, unless otherwise stated.

Media Contact For any media enquiries, please contact: Anjani Shyam | Communications Manager ANZ | anjani.shyam@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: www.zip.co

Open, collaborative initiative to establish identity, preserve intent, and make trust measurable in AI-initiated commerce

Lehi, UT and New York, NY – March 24, 2026 — IXOPAY, the enterprise-grade global payment infrastructure platform built for the era of agentic commerce, and Zip, the digital financial services company offering innovative, people-centred products, today announced a joint initiative to define a Unified Trust Layer — an open industry framework designed to address emerging trust and liability challenges in agent-initiated commerce and payments.

Agentic commerce introduces a structural shift in payments. Traditional infrastructure was built around a four-party risk model — consumer, merchant, issuing bank, and acquiring bank — with the assumption that a human initiated the transaction. As AI agents begin acting autonomously, that model no longer holds. Payment systems were not designed to consistently preserve identity, intent, and context in a machine-verifiable way, leaving merchants to bear the burden of authentication without the benefit of fraud filters, security protocols, or shared liability with issuers.

With this risk shifting downstream, merchants will face increased chargebacks, elevated false declines due to fraud systems misclassifying legitimate agents, and reduced visibility into customer relationships as agents intermediate the experience. Industry leaders recognize the urgency: according to a recent Accenture study, 87% of financial institution chief technology officers and payments heads believe trust will be the most significant barrier to agentic payments adoption, and 78% expect fraud to increase significantly as agentic commerce scales.

The Unified Trust Layer Framework

Confronting this structural shift head-on, IXOPAY and Zip are developing a Unified Trust Layer framework, an open industry initiative that embeds transparency, auditability, and interoperability into agent-driven transactions, setting a new standard for trust in agentic commerce. The framework seeks to aggregate and orchestrate trust signals across providers, networks, and protocols while preserving merchant-owned, portable trust artifacts.

“Payments infrastructure wasn’t built for autonomous actors,” said Jill Willard, Chief Technology Officer at IXOPAY. “When AI agents initiate transactions, merchants still carry the liability, but the system doesn’t consistently preserve identity and intent in a defensible way. At IXOPAY, we view tokenization and orchestration as programmable trust infrastructure, giving merchants control, portability, and auditability across fragmented ecosystems. This initiative is about extending that integrated foundation to agentic commerce.”

“Traditional fraud models rely heavily on static credentials,” said Rory Herriman, Chief Technology and Operations Officer at Zip. “But agents aren’t people, and their risk doesn’t show up the same way. We’ve connected millions of consumers with tens of thousands of merchants through our ability to establish trust using behavioral and contextual signals. As machines begin transacting on behalf of humans, that same discipline needs to be applied to agent behavior. This framework is about making trust measurable and explainable in a system that was never built for it.”

From Payment Orchestration to Trust Orchestration

In an agentic environment, orchestration evolves from routing transactions to managing tokenized trust across protocols and providers. The proposed Unified Trust Layer centers on three capabilities:

• Agent Identity Validation: Normalizing identity verification and behavior patterns across fragmented agentic protocols.
• Intent Capture and Preservation: Binding explicit human consent and transaction context into an immutable, replayable record.
• Contextual Trust Signaling: Aggregating agent behavioral signals across providers, networks, and protocols to support informed authorization decisions and strengthen dispute defensibility.

Together, IXOPAY and Zip combine merchant-owned, provider-agnostic tokenization with real-time behavioral intelligence.

Open and Collaborative

The Unified Trust Layer is an open framework in development. IXOPAY and Zip invite merchants, networks, platforms, and ecosystem participants to help shape how identity, intent, and trust should function in agentic commerce.

Learn more about the framework, and how to participate at our upcoming webinar on April 8, 2026 here: https://www.ixopay.com/unified-trust

About IXOPay

IXOPAY is the enterprise-grade global payment infrastructure platform built for the era of agentic commerce, equipping merchants and businesses with AI-driven intelligence, orchestration, advanced tokenization, and the tools to power every step of their payments journey. From routing and compliance to customized modules and full-scale orchestration, IXOPAY delivers the infrastructure for faster integrations, higher approval rates, and seamless global expansion. Learn more at www.ixopay.com.

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