Zip catching Afterpay here we come!, page-69

I agree, coppergaz. The use of "pay anywhere" is such an expensive option for the consumer. Obviously, the merchant isn't paying, and quad/zip pay have to make money on the transaction, and the consumer is the only one left in the transaction to charge.
I can see people using this as a "last resort" option occasionally, but nor with any regularity in the long term.
APT has by far the most consumer friendly model, and that will be the basis of continued growth and expansion imho.