Expansion opportunities Zip Co operates in ANZ and the US with a growing suite of BNPL and installment offerings including Pay-in-2 and Unified Trust Layer initiatives. This presents sales opportunities to expand partnerships with merchants across retail, telecom, and gift card ecosystems seeking flexible payment options and trusted transaction infrastructures.

Merchant network leverage With tens of thousands of merchants in Zip's network and partnerships forming with retailers like Rally House and InComm Payments, there is a clear path to cross-sell integrated payment solutions, loyalty programs, and data-driven consumer insights to existing and prospective merchant partners.

Trust and compliance The launch of Unified Trust Layer signals a focus on trust, liability and agent-initiated payments. This creates opportunities to position Zip as a compliant, security-forward payments partner for merchants and financial services firms seeking robust risk controls and透明 customer experiences.

Mobile and B2B enablement Zip’s ZMobile initiative in collaboration with telecom partner TPG and ongoing digital payment capabilities indicate a strong channel to sell mobile-first financing and payment products to telecoms, device retailers, and service providers looking to boost conversions and average order value.

Strategic financing scale With substantial revenue and funding levels, Zip can support large merchant deployments and co-branded financing programs in the US and ANZ. This opens selling opportunities around enterprise-grade installment solutions, white-label capabilities, and multi-market rollout packages for medium-to-large merchants.