Zip Pay is a digital wallet that allows customers to purchase immediately and pay later, both in-store and online. It is a "buy now pay later" financial technology company that operates in Australia, New Zealand, and the USA. Zip Pay has two types of interest-free accounts, Zip Pay and Zip Money. Zip Pay in 4 allows customers to split their purchase into four easy installments, where they shop. Customers pay the first installment upfront, and the rest over six weeks. Zip Money provides a reusable amount of up to $30,000 and offers six months of interest-free service. Zip Business Capital is an unsecured lending product that offers up to $500,000 to small and medium businesses. Zip is accepted at millions of stores online and in-store, and it can be used almost anywhere Visa is accepted. Zip does not impact the customers credit score, and there are no surprises as clear terms are provided.