News

NEW YORK, NY — November 2, 2026 — Zip (ASX: ZIP), the digital financial services company offering innovative, people-centered products, today released new research showing that payment preferences are shaping where consumers shop. Among surveyed U.S. buy now, pay later (BNPL) users, 83% say they would be likely to abandon a purchase if their preferred BNPL provider weren’t available at checkout.

Among those shoppers, 46% say they have already abandoned a purchase in the past 12 months because their preferred provider wasn’t available. Of those who abandoned a purchase, 39% went on to buy from a different retailer, and 75% of abandoned carts with a reported value were worth $100 or more.

“Payment choice isn’t just a checkout feature, it shapes where consumers choose to shop. These findings reinforce the importance of giving customers access to financial tools they know and trust. For retailers, offering the right payment options means creating better shopping experiences and reducing the risk of losing customers at checkout,” said Rory Herriman, President and Interim CEO, Zip US.

Additional findings highlight the role of BNPL throughout the shopping journey:

• 65% of shoppers with a preferred provider say it is extremely or very important that a retailer offers it.
• 59% of shoppers with a preferred provider say they have chosen one retailer over another because it offered their preferred BNPL, and 90% of those shoppers say they would likely abandon a purchase without it.
• 73% of all surveyed BNPL users say they consider BNPL before they reach checkout.
• 62% of all surveyed BNPL users say they have used BNPL for a purchase they otherwise would have postponed or skipped.

The findings reflect Zip’s commitment to putting customers first by offering flexible, transparent payment options that support greater control and confidence in their financial decisions, while helping merchants better serve the shoppers they want to keep.

What merchants can do with these findings:

With the holiday shopping season approaching, Zip encourages merchants to consider three steps to keep shoppers who plan on using BNPL:

1. Show BNPL options early, not just at checkout. 73% of surveyed BNPL users consider BNPL before reaching the cart.
2. Make preferred providers visible. 65% of shoppers with a preferred provider say it is extremely or very important that a retailer offers it.
3. Keep checkout simple. An easy-to-use app and an easy checkout experience are among the top reasons shoppers with a preferred provider choose their BNPL.

About the Research

Zip conducted a quantitative online survey through Ideally with 1,015 U.S. adults aged 18 and older who had used at least one Buy Now, Pay Later (BNPL) service in the past 12 months, across various providers, not limited to Zip customers. The survey included an equal split of male (50%) and female (50%) respondents. The survey was fielded between October 17th-19th 2026.

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 Australia and the United States, 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. Loans through Zip are originated by WebBank.

Zip Co (ASX: ZIP), the digital financial services company offering innovative, people-centred products, has today announced that its mobile product, ZMobile, is now available to all Australians via the Zip website.

ZMobile offers a seamless sign-up experience and exceptional value prepaid plans, with the features customers value most, including fast 4G and 5G network access via TPG Telecom’s network, generous data with rollover, global roaming and international calling capabilities.

ZMobile plans start from just $9 a month for the first six months for new customers, with options to suit different data needs, all with unlimited national talk and text, up to 500GB of data rollover, and no lock-in contracts.

ZMobile is designed to give Australians greater choice and control over their everyday mobile costs, with competitive pricing and a simple sign-up process. New customers can sign up directly via the Zip website, whether or not they are an existing Zip customer.

“With Australians continuing to look for ways to manage everyday expenses in a high cost of living environment, we’re pleased to make ZMobile available nationwide and give more people access to great value mobile plans,” said Peter Gray, Zip Co-founder and Head of Strategic Growth.

“Mobile connectivity is critical to how people manage life, work and money, and remains an essential cost that many households are looking to control. ZMobile gives Australians access to very competitive prepaid plans, generous features and a seamless digital experience, all backed by reliable network coverage.

“Making ZMobile available to all Australians marks an important next step in our strategy to offer choices to help people with their everyday lives, and to access what they need and what they want. We look forward to welcoming customers from across Australia who are looking for a better deal for their mobile plan.”

Plans and pricing
ZMobile’s launch plans for new customers are:

• 20GB for $9 a month for the first six months, then $24 a month. 4G network, unlimited national talk and text.
• 45GB for $15 a month for the first six months, then $38 a month. 4G/5G network, unlimited national talk and text, and international standard calls and SMS to 25 countries.
• 100GB for $29 a month for the first six months, then $66 a month. 4G/5G network, unlimited national talk and text, and international standard calls and SMS to 25 countries.

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 simply via the Zip website
• Activate an eSIM and manage everything via the Zip website

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 Australia and the United States, 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

NEW YORK — October 29, 2026 — Zip (ASX: ZIP), the digital financial services company offering innovative, people-centered products, today announced an expansion of its partnership with Alternative Airlines, a global flight booking platform offering flights from more than 600 airlines, to bring flexible payment options to its platform’s new car rental offering.

The expanded partnership extends the payment flexibility already available to Alternative Airlines customers booking flights with Zip to car rentals. Travelers can now search and compare rental options from a broad range of providers across thousands of US locations and, if eligible, choose Zip at checkout to pay over time.

“Travel is rarely just one purchase. From flights to transportation on the ground, each part of a trip has to fit within a customer’s plans and budget,” said Peter Volynsky, Chief Commercial Officer at Zip US. “Our partnership with Alternative Airlines brings the flexibility customers value with Zip to more of their travel journey, giving them greater choice and control over how they pay.”

Alternative Airlines’ new car rental offering brings its streamlined booking experience to ground transportation, allowing travelers to search and compare rental options in one place, with access to customer support by phone or WhatsApp. When choosing Zip at checkout, eligible customers make an initial payment at the time of booking and split the remaining balance into installments.

“Car Rentals is a significant milestone for the Alternative Airlines brand, bringing the seamless booking experience, expert customer support, and payment flexibility that our customers love about flights to car rentals for the first time,” said Sam Argyle, Managing Director at Alternative Airlines. “We’re thrilled to be launching with Zip as an integrated payment option. Zip is a long-standing partner, and its flexible instalment options are a perfect fit for car rentals.”

The launch builds on the companies’ existing relationship and gives travelers a more connected way to plan and pay for their journeys, from the flight to the road.

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 Australia and the United States, 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.

About Alternative Airlines

Alternative Airlines is on a mission to take the friction and frustration out of flight booking, making the experience effortless for travellers everywhere. By partnering with the world’s leading flexible payment brands, we give passengers the power to pay over time. And by combining next-gen tech with next-level support, we’re innovating the booking process and simplifying the customer experience to give everyone, everywhere, the freedom to fly.

NEW YORK — October 26, 2026 — Zip Co Limited (ASX: ZIP) the digital financial services company offering innovative, people-centered products, today announced the nationwide expansion of its partnership with Best Buy, bringing Zip's flexible payment options into physical Best Buy locations across the country. Eligible customers can now use Zip at the register by using tap to pay with the Zip app on their phone, bringing the same flexibility they enjoy online to the in-store experience.

The expansion reflects a measurable shift in consumer behavior. In Q1 FY27, Zip's U.S. in-store transaction volume grew 61% year over year, with in-store purchases climbing to 30% of total U.S. transaction volume.¹ More customers are using Zip to pay in stores, showing that the flexibility they value online matters in person, too.

"Technology purchases aren't always planned," said Peter Volynsky, Chief Commercial Officer at Zip US. "When an appliance stops working or a laptop dies mid-semester, people need to make that purchase right now. Zip gives them the flexibility to do that, whether they're buying online at midnight or walking into a store that afternoon."

The Best Buy expansion reflects where Zip is headed: flexible payments that work the same way wherever a customer shops, online or in person. With more than 32,600 U.S. merchant partners and 4.7 million active U.S. customers, Zip is committed to making flexible payments available across more moments of the customer journey.¹

¹Zip’s Q1 FY27 results released to the ASX

Loans through Zip are originated by WebBank.

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 Australia and the United States, 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.