Charts ZIP, page-736

As Zip operates under the constraints of The Australian Credit Licence, and the National Consumer Credit Protection act (2009) Afterpay differs here, and doesn't have these credentials,( I call them) but long term, to have more credibility, I think, is a good thing, because ZIP insulates itself to a degree, from any Government investigation, or inquiry. So, then with Afterpay there is an instant verification process at the checkout, whereas with Zip customers must apply for Zip account. Also too, Zip has more flexible payment options, and is in the business of attracting customers who are after the big ticket purchases up to $ 30.000. That's where the gravy is, I think.