Retail
GameStop
More flexibility in how customers shop, with a more convenient way to pay over time, leading to a 196% increase in BNPL transaction volume.⁵
Winning holiday 2026 starts before the code freeze
Retail's biggest season rewards merchants who move first. We have the research, the framework, and the results to prove it.
Major shifts reshaping holiday retail
Retailers who move early will define who wins Q4. Here’s what’s different this year.
Consumer pressure
Financially conscious shoppers are still spending, just more deliberately. Data from Zip shows customers transact 11.3 times per year,³ spending with more intention than they used to.
AI discovery
AI is becoming the first stop in holiday shopping. Shoppers are asking AI assistants to compare retailers before they ever open a browser.
In-store resurgence
In-store traffic is back, and it raised the bar. Shoppers expect the same flexibility in-store that they get online.
Payments flexibility
Payments flexibility is a competitive advantage for holiday retail. Adding flexible payments lifted average order value (AOV) by 43.1% YoY.⁴
Key moments to win this holiday
Grab their attention and make it easier to convert.
Show up in AI search
Be visible with positive sentiment where shoppers begin their purchase journey.
Promote flexible payments
Providing flexible payments options across the buyer journey signals affordability long before checkout.
Offer omnichannel flexibility
Turn consideration into sales with a payments experience (PX) that works across every channel.
Explore the full Payments Experience
Explore further wherever your team needs to elevate your PX.
See the Payments Experience (PX) in under three minutes
Still deciding if this fits your stack? Watch how it works across your organization before you talk to a rep.
Still deciding if this fits your stack? Watch how it works across your organization before you talk to a rep.
Book a demoReal merchants, real results
Merchants across categories are already turning crucial payment experience moments into revenue.
Education, Retail
Apparel
Cato
Gives budget-conscious apparel shoppers another way to say yes at checkout, achieving +50% AOV. ⁵
Travel
Alternative Airlines
Connected with high-intent, in-app audiences with flexible payment options for a 75% YoY revenue growth.⁷
Find the resources built for your role
Every seat at the buying committee table has a different question. Find yours.
See the research behind these results
Free reading on the shifts and strategy behind the outcomes above.
From checkout button to full-funnel
Treating flexible payments as an omnichannel strategy.
Shoptalk Spring 2026 recap
Holiday planning questions, answered by Zip's research team.
How to choose a BNPL provider
A practical framework for vendor evaluation and procurement.
Expand your reach and improve your bottom line
Reach out today to learn what's possible when you diversify your flexible payments options.
Common questions before you commit
Straight answers to what buying committees usually ask before signing off.
How fast can a merchant get Zip live before the November code freeze?
Most new merchants go live within one month, and 70% are live within two.8 Starting the integration conversation now keeps both timelines in reach.
Does offering flexible payments for holiday retail increase risk or loss for merchants?
Do BNPL shoppers come back, or is this one-time holiday usage?
How satisfied are Zip customers with the experience?
Can Zip work alongside our existing loyalty program or private label credit card?
Do flexible payments reduce cart abandonment during the holidays?
Merchant results referenced on this page reflect individual outcomes and are not guarantees of future performance. Video content produced in partnership with Visa. All statistics cited are sourced from Zip's 3Q FY26 results released to the ASX, Zip internal transaction data, or Zip customer survey data as noted, and are subject to confirmation by Legal and Compliance before publication.
3 1H FY26 results released to the ASX
4 3Q FY26 results released to the ASX
5 Based on Zip's internal data. Results are not representative, or guaranteed and may vary based on industry, company size, and other criteria
6 Between August 2024 to August 2025 at select campuses that Zip was deployed for in store and ecommerce payments
7 Data based on Zip app transactions. Based on analysis of Expedia Group data and Zip app data (Jan 2025– Dec 2026)
8 Internal data analysis of transactions from July 2024 - June 2025, Source: first order vs contract signed date
9 Internal data analysis of transactions from July 2025 - June 2026
10 Based on Zip Net Promoter Score (NPS) survey data, US customers, as of Jan-March 2026