Zip Co. Ltd. provides integrated solutions to small, medium and enterprise merchants across numerous industries, both online and in-store. It offers point-of-sale credit and digital payment services to consumers and merchants. The firm operates through the following segments: ZIP AU, Zip Global, and SpotCap. The ZIP AU segment offers consumers a line of credit wallet including the consolidated entity's Pocketbook operations. The Zip Global segment provides BNPL instalment products to consumers outside of Australia. The SpotCap segment involves in providing unsecured loans to small and medium sized businesses. The company was founded on September 18, 2009 and is headquartered in Sydney, Australia.