@Mcat I totally agree with @Inferno31 Read in the prospectus...

@Mcat I totally agree with @Inferno31 Read in the prospectus they launched only on 2016, 4 years to develop the system, you can use your debit or credit card and there is no late fees like AfterPay or Interest like Klarna. I think the model is great, I checked this model and it exist in Brazil actually 80% of the online transaction are being done same way https://www.adyen.com/knowledge-hub/country-guides/brazil-payments-guide , and on top of it it's a global platform that supports from day one 200 countries and  with merchants already from 25 countries, Zip is only Australia and AfterPay is Australia, NZ and US.