Ann: Half Yearly Report and Accounts, page-20

End of the day, do your own research. As an example, went to the Chiro today, can pay by Zip, I asked the staff how many use that option, she said it's really increasing rather than using credit / bank cards. Then next door my optometrist is doing the same. Note these are independent stand alone businesses. I'm seeing the Z1P logo likely 6-8 times more often than the AfterPay one, in fact some buisness have removed the APT logos / option. I was starting to notice this over 18 - 24 months ago, which is why I bought in more and my cost average went up to $1.38. Observation and asking questions on the coal face is often the best way, seeing how it works for customers & the providing businesses. DYOR