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The low-risk BNPL model built for Finance teams
Connect with millions of active Zip shoppers who are ready to buy, repay responsibly, and become your most valuable customers.
BNPL built for how Finance & Payments leaders think
Flexible payment solutions that reach a wide-ranging customer segment without cannibalizing sales.
Convert customers you're currently missing
Millions of Americans are excluded by traditional credit and other BNPL vendors, but Zip’s unique approach is built to include underestimated consumers.
Grow AOV across every channel
When customers control their cash flow, they spend more confidently. Drive up to 32% increase in average spend across online and in-store.3
Protect margin with a merchant-first risk model
Merchants receive full payment upfront, and Zip carries the repayment risk with a 1.67% loss rate.4
Meet shoppers on their terms
Emerging shoppers are choosing flexible payments like Pay in 2, 4, and 8 over traditional credit. Make things easy, convenient, and manageable at the moment they're ready to buy.
The numbers that support your business case
Up to
39%
YoY TTV growth4
Up to
45%
45% of purchases repaid early5
13.1x
customer transactions annually4
1.67%
loss rate4
When Finance is confident, every team can move forward
Here's how Zip fits with the rest of your team.
Strategic BNPL resources for Finance & Payments leaders
Case study
How net new customers fueled GameStop's 196% BNPL growth with Zip
Guide
The ultimate guide to buy now, pay later for merchants
Ebook
Mastering the Payment Experience: How to convert customers and build loyalty
Learn what Zip can deliver for your bottom line
Our team is here to walk you through the model: upfront merchant payment, repayment risk ownership, and the proof points you need to make the BNPL business case.
Our team is here to walk you through the model: upfront merchant payment, repayment risk ownership, and the proof points you need to make the BNPL business case.
Talk to an expert33Q FY26 results released to the ASX
4FY26 results released to the ASX
5Zip transaction data for 12 months ending in June 2026