Zip launches new feature "Pay Now" taking the fight up to PayPal, page-33

For online payments it will provide security once customers are educated about the feature, customers are not charged for Pay Pal nor Zip so it is indifferent for them but when they make the app their habit other payment forms will be avoided, it’s human psychology. For Instore customers will use the credit limits but when limits are exceeded then the debit card will be used which again will provide security features and keep the customers free from pulling out their card from the wallet. Mobile phones are normally in the hands of every customer…it’s just get them addicted to using Zip