NEW YORK and ATLANTA — May 19, 2026
Executive Summary
Zip (ASX: ZIP) and InComm Payments have announced a new partnership that introduces installment payment functionality to the gift card category through the Zip app.
Under the integration:
- Eligible shoppers can purchase gift cards directly within the Zip app
- Consumers can split purchases into installments over time
- Gift cards include retail, dining, entertainment, and travel brands
- Transactions can be completed without leaving the app
The companies stated that the partnership supports growing consumer demand for flexible payment options and expanded digital purchasing convenience.
Announcement Overview
The integration enables eligible Zip users in the United States to browse and purchase gift cards using installment payment options directly through the Zip platform.
According to the companies, the partnership combines:
- Zip’s Buy Now, Pay Later platform
- InComm Payments’ gift card distribution network
- Flexible installment payment capabilities
- Digital in-app checkout functionality
The companies stated that the collaboration is designed to simplify gift card purchases while giving consumers more flexibility in managing spending and cash flow.
Key Announcement Details
- Announcement Type: Strategic payments and BNPL integration partnership
- Companies Involved: Zip US and InComm Payments
- Industry: Financial technology, digital payments, Buy Now Pay Later (BNPL)
- Integration Focus: Installment payment functionality for gift card purchases
- Platform: Zip mobile application
- Consumer Access: Eligible U.S. shoppers using the Zip app
- Payment Functionality: Consumers can split gift card purchases into installments over time
- Gift Card Categories: Retail, entertainment, dining, and travel brands
- Checkout Experience: Entire transaction completed directly within the Zip app
- Primary Consumer Benefit: Greater spending flexibility and cash flow management
- Strategic Objective: Expand flexible payment options into the gift card category
- Zip U.S. Customer Base: 4.6 million active customers
- Zip Merchant Network: More than 29,000 merchant partners
- Consumer Trend Referenced: Growing adoption of Buy Now, Pay Later services
- Federal Reserve Data Cited: 15% of surveyed consumers used BNPL in 2024
- Previous BNPL Adoption Rates: 14% in 2023 and 10% in 2021
- InComm Payments Role: Gift card distribution and payments infrastructure provider
- Column Integration Type: Direct in-app gift card purchasing experience
- Zip Executive Quoted: Jinal Shah, Chief Marketing and Customer Officer
- InComm Executive Quoted: Adam Brault, SVP of Financial Services
- Zip Headquarters Markets: United States, Australia, and New Zealand
- Zip Founded: 2013
- InComm Payments Global Presence: Operations in more than 40 countries
- InComm Payments Distribution Reach: More than 525,000 retail and online distribution points
- InComm Payments Patent Portfolio: 412 global patents
- Loan Origination Disclosure: Loans through Zip are originated by WebBank
- Availability: Eligible users can browse and purchase gift cards through the Zip app immediately following launch
Zip Introduces Installment Payments for Gift Card Purchases
Zip stated that the partnership expands the company’s flexible payment ecosystem by bringing installment purchasing capabilities to digital gift card transactions.
Through the integration:
- Consumers can browse gift card brands directly in the Zip app
- Eligible users can select denominations during checkout
- Purchases can be divided into installment payments
- Transactions remain entirely within the app environment
According to the announcement, the rollout reflects broader shifts in consumer payment behavior and increasing demand for spending flexibility across everyday purchases.
The companies noted that gift cards available within the Zip app include brands across multiple consumer categories, including:
- Retail
- Entertainment
- Dining
- Travel
The integration is designed to simplify checkout experiences while giving consumers additional flexibility in managing purchases and short-term cash flow needs.
Consumer Demand Continues Driving BNPL Adoption
The companies referenced growing adoption of Buy Now, Pay Later services among consumers in the United States.
According to Federal Reserve data cited in the announcement:
- 15% of surveyed consumers used BNPL services in 2024
- Usage increased from 14% in 2023
- BNPL adoption stood at 10% in 2021
Zip stated that the continued growth in installment-based purchasing reflects increasing consumer interest in flexible financial tools and payment management options.
The company also highlighted its current U.S. operating scale, including:
- 4.6 million active U.S. customers
- 29,000 merchant partners
According to Zip, the partnership extends the same installment flexibility consumers already use across retail purchases into the gift card category.
Zip Expands Flexible Spending Capabilities
Zip stated that the integration aligns with its broader strategy of expanding payment flexibility across multiple consumer purchasing categories.
The company said consumers increasingly expect installment payment options across a wider range of spending activities, including:
- Everyday shopping
- Gift purchases
- Travel-related spending
- Dining transactions
- Entertainment purchases
According to Zip, the integration with InComm Payments allows consumers to access recognized gift card brands while managing spending through installment-based payment structures.
Jinal Shah, Chief Marketing and Customer Officer at Zip, said flexible installment payments have become increasingly mainstream among consumers managing everyday expenses.
“Short-term installment payments have become a mainstream behavior, and our customers tell us they value this flexibility across all areas of their cashflow. Shoppers deserve more say over how they manage their money, and we’re committed to expanding flexible options to more consumers.”
Shah also noted the importance of InComm Payments’ distribution network within the partnership.
“We are excited to partner with an industry leader like InComm Payments. Their network puts the most in-demand brands in front of our customers, right when it matters.”
InComm Payments Strengthens Digital Gift Card Capabilities
InComm Payments stated that the partnership further expands payment flexibility within the digital gift card ecosystem while supporting simplified purchasing experiences for consumers.
The company operates a global payments technology platform supporting payment systems, alternative payment options, and digital commerce infrastructure across multiple industries.
According to the announcement, the integration focuses on improving convenience and flexibility during the gift card purchasing process.
Adam Brault, Senior Vice President of Financial Services at InComm Payments, said the company remains focused on reducing friction within digital gift card transactions.
“Our priority is to make shopping for gift cards quick and simple, whether consumers need a gift for a special occasion or simply want to treat themselves.”
Brault added that installment payment flexibility can further improve consumer purchasing experiences.
“Partnering with Zip to bring more flexible payment options is an effective way to further take the stress out of the gift card shopping process.”
Integration Supports In-App Purchasing Experience
The companies stated that eligible consumers can complete the full purchasing process directly within the Zip app.
The process includes:
- Browsing available gift card brands
- Selecting preferred denominations
- Choosing installment payment structures
- Completing transactions within the application
According to the announcement, the integration is designed to streamline purchasing while reducing checkout friction for digital consumers.
The companies also emphasized the importance of maintaining a seamless mobile-first user experience as digital payment adoption continues expanding across retail and financial services environments.
InComm Payments Expands Global Payments Infrastructure
InComm Payments operates as a global payments technology provider supporting digital commerce infrastructure, alternative payment systems, and financial technology integrations.
According to the company, its operational footprint includes:
- More than 525,000 retail and online distribution points
- Operations across more than 40 countries
- 412 global patents
- Three decades of industry experience
The company provides payment and commerce solutions across multiple sectors, including:
- Retail
- Healthcare
- Transit and tolling
- Incentives
- Mobile payments
- Digital currencies
- Financial services
InComm Payments stated that its technology infrastructure supports omnichannel payment experiences and alternative payment capabilities across increasingly digital commerce ecosystems.
Zip Continues Expanding U.S. Financial Services Presence
Zip operates as a digital financial services company focused on installment-based payment products and point-of-sale credit solutions.
The company currently operates across:
- The United States
- Australia
- New Zealand
Founded in Australia in 2013, Zip connects consumers with merchant partners through digital payment and financing solutions designed to provide flexible spending options and transparent repayment structures.
According to the company, its platform supports:
- Point-of-sale credit
- Installment payment services
- Merchant payment integrations
- Consumer financing options
Zip stated that its services are intended to help consumers manage spending while supporting merchant growth through expanded payment flexibility.
The company also noted that loans through Zip are originated by WebBank and remain subject to approval requirements and applicable terms.
Strategic Context
The partnership reflects broader growth across the digital payments and Buy Now, Pay Later sectors as consumers continue adopting installment payment options across a wider range of purchasing categories.
According to the companies, the integration supports several ongoing industry trends, including:
- Growth in digital wallet usage
- Expansion of installment payment adoption
- Demand for flexible checkout options
- Increased mobile commerce activity
- Growth in alternative payment methods
The companies stated that combining installment functionality with digital gift card purchasing creates additional payment flexibility for consumers while expanding engagement opportunities within mobile commerce environments.
About InComm Payments
InComm Payments is a global payments technology company providing payment infrastructure, financial technology solutions, and digital commerce services across multiple industries.
Headquartered in Atlanta, Georgia, the company operates across more than 40 countries and supports over 525,000 retail and online distribution locations globally.
InComm Payments provides solutions across:
- Retail payments
- Healthcare payments
- Mobile payments
- Digital currencies
- Incentive programs
- Financial services infrastructure
About Zip
Zip Co Limited (ASX: ZIP) is a digital financial services company providing installment payment products and point-of-sale credit solutions across the United States, Australia, and New Zealand.
Founded in 2013, the company connects consumers with merchants through flexible payment options designed to support digital commerce and consumer purchasing flexibility.
Zip currently supports millions of customers and tens of thousands of merchant partners globally.
Media Contact
For additional information, visit incomm.com.
Source Attribution
Source: Company announcement
