Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 5 companies across 2 categories.
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Zip started as a consumer BNPL credit provider in Australia, competing directly with Afterpay by targeting customers underserved by credit cards. It expanded internationally — most notably into the US — positioning itself as inclusive BNPL for 'everyday Americans' overlooked by traditional lenders and other BNPLs. Over time, Zip layered in a Visa card product, virtual single-use cards, and business lending (via Prospa partnership in Australia; WebBank partnership in the US), evolving from a pure checkout-financing tool toward a broader consumer credit and payments wallet. The company has also deepened merchant integrations via Stripe, Adyen, and Xero, embedding BNPL across both online and in-person commerce.
Other Lending providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.
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alt="Ranked #45 of 255 in Lending — Embedded Finance Index 2026">
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<img src="https://www.embeddedfinanceindex.com/api/badge/zip/install" width="1" height="1" alt="" style="display:none">5 companies are linked to Zip in the Embedded Finance Index 2026, through their own public disclosures or Zip's published customer list, including GameStop, WebBank, Bitpanda, Marine Layer and Chimi.
Zip is an embedded-finance provider in Lending and Spend / AP. It ranks #45 of 255 Lending providers by linked companies.
The most-named Lending alternatives to Zip are Affirm (65 buyers), Klarna (55 buyers), YouLend (46 buyers), Mambu (36 buyers), Stripe Capital (33 buyers) and Wisetack (27 buyers).
Zip is founded in 2013 and headquartered in Sydney, Australia.
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