Strategic partnerships Zalopay has active and recent partnerships with major players (Tencent, Alipay Plus, Shinhan Finance, Savills Vietnam, Singapore Tourism Board) indicating openness to co-op FinTech initiatives. This suggests potential for collaboration on co-branded services, cross-border payments, BNPL integrations, and ecosystem partnerships to expand merchant networks and geographic reach.

BNPL expansion Zalopay launched BNPL with Lotte Finance in 2025, signaling a strategic push into consumer credit solutions. This creates opportunities to upsell merchant financing, inventory financing, and SMB lending services to merchants seeking increased conversion and higher average order value.

Scale and reach With over 16 million users and a 100+ service ecosystem, Zalopay demonstrates strong market penetration and data signals. Targeted enterprise solutions, such as merchant onboarding platforms, analytics dashboards, and scalable payment infrastructure for large merchants, could drive higher adoption among mid-to-large clients.

Global connectivity Recent collaborations with Tencent and integration ecosystems like Alipay Plus indicate a path toward broader cross-border payment capabilities. Prospects include multi-wallet settlement services, regional payment routing, and tourism-focused payment experiences for merchants serving travelers.

Vertical growth Partnerships spanning hospitality, real estate, and travel (Savills, Shinhan Finance, STB) point to sector-specific demand. Sales opportunities exist in verticalized solutions for property management, travel/tourism commerce, and consumer finance promotions, leveraging Zalopay’s ecosystem to increase merchant conversion and loyalty programs.