Zip launches new feature "Pay Now" taking the fight up to PayPal, page-31

it’s quite simple mate, zip just has within its wallet every kind of payment method the the user may want to employ for a transaction; be it pay now, pay later, instalments etc. The idea is that the zip wallet/app is the choice of a payment method every time, trusted, functional and for every situation payment/repayment. Why would you use it instead of your bank card? Saves you opening another app, finding plastic, remembering physical wallet, keeps spending record in one place (data, data) you might want to pay now, when you have cash, so you save pay later for off-pay week for example.