Zip Co Limited

Zip Co Limited (ASX: ZIP) provides buy now, pay later and point-of-sale credit products for consumers, integrated into online and in-store checkouts. It earns primarily from merchant fees, interchange, and consumer charges on longer-term credit; products include Zip Pay and Zip Money. Founded in 2013 and headquartered in Sydney, it operates in Australia, New Zealand, and the United States with a broad merchant acceptance network.