Zip Co Limited (OTCMKTS: ZIZTF) is an Australian-based financial technology company that specializes in digital payment solutions and consumer credit services. Headquartered in Sydney, the firm provides customers with flexible instalment and revolving credit products designed for everyday purchases, travel bookings, and online retail transactions. Zip Co operates as a publicly traded entity on the Australian Securities Exchange (ASX: Z1P) and maintains an over-the-counter listing in the United States under the ticker ZIZTF.
The company’s core offerings include Zip Pay, a zero-interest instalment account, and Zip Money, a higher-value revolving credit line. These services are delivered through a seamless digital platform that integrates with merchant point-of-sale systems across both e-commerce and brick-and-mortar channels. In addition to consumer credit, Zip Co has expanded into small-business lending and merchant solutions, enabling retailers to offer “buy now, pay later” options while managing transaction risk and customer engagement.
Founded in 2013, Zip Co has grown steadily through strategic partnerships with leading retailers and technology platforms. The company serves customers in Australia, New Zealand, the United States and the United Kingdom, pursuing market expansion through targeted acquisitions and new product development. Its technology infrastructure emphasizes real-time credit assessments, mobile wallet capabilities, and an intuitive user interface for both merchants and consumers.
Zip Co’s executive leadership team brings together experience from banking, payments, and technology sectors, while its board provides governance oversight with a focus on risk management and sustainable growth. The company continues to invest in innovation, regulatory compliance and customer support to strengthen its position in the competitive global buy-now-pay-later market.
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