Our Markets

Zip is a global BNPL leader with a
presence in 12 markets around the world

Zip’s global operations

Zip has operations in the US, Australia, New Zealand, the United Kingdom, Canada, and Mexico.

We give consumers, merchants and businesses around the world access to transparent, flexible and interest-free credit. With a strong focus on people-centred innovation, we provide value to customers and businesses alike through our proven and scalable installment payments platform.

Zip’s global investments


Zip has agreed to acquire Payflex, the first truly free payment plan provider in South Africa. Payflex provides an instalment based payment solution whereby customers checkout, pay 25% of the purchase price upfront, and pay the rest over 6-weeks at no additional cost with zero fees and zero interest.

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Zip has agreed to acquire Spotii, a leading tech-enabled payments platform which allows consumers to “pay in 4” instalments both online or in-store in KSA and UAE. Spotii is on a mission to empower a generation to enjoy more today what they will love forever through technology, trust and inclusion. This transaction is expected to be completed by the end of Q3, calendar year 2021.

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Zip has agreed to acquire Twisto, a fast-growing Czech-based payments company that is empowering users across Central Europe with the freedom to live and pay their way through a flexible wallet that allows Pay Now, Pay Later or Pay in Instalments. This transaction is expected to be completed by the end of 2021.

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Zip has a strategic investment in TendoPay, a Philippines based provider of digital or online installment plan solutions, with a special focus on promoting responsible lending. The TendoPay platform gives consumers the flexibility of making easy installment loans for online purchases and a choice of repayment terms (anywhere from 15 days to 24 months).

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