Z1P - The Rise To $15.00, page-121

One of the many simple advantages of zip pay vs afterpay
Example: Pizza Hut
At a time when youve run out of cash, maxed out your credit card and had to feed the family for the night.
Having afterpay does not allow for you to buy that meal neither does a maxed out card.
Yet having zip pay and its genius option of "generate a single use card ; shop everywhere " virtual credit card - allows for freedom to purchase even with a non-linked merchant.
As a credit customer, you would look for flexibility and functionality at a low cost - zippay provides those key features.Rates, fees and charges stated on their website:
Zip Pay promotes itself as “interest-free”.
It instead charges a flat fee of $6 a month on whatever is owed, and an additional $5 if the minimum monthly payment of $40 is not made on time.
It also charges a 4% upfront fee to the retailer; that is, it pays the retailer A$960, then collects $1,000 from the customer.Rates , fees and charges all indicative per their website.

From a business point of view this is a winner for investors and the company.

This is factual information from their website and my opinion.