Zip Co Limited provides digital retail finance and payments solutions to consumers, and small and medium sized merchants (SMEs) in Australia, the United Kingdom, the United States, New Zealand, Mexico, and Canada. The company operates through three segments: ZIP AU, Zip Global, and Zip Business. It offers credit and payment services to SMEs through online and in store. The company provides Zip Pay and Zip Money, which are digital wallets; and Pocketbook that provides personal financial management solutions, as well as unsecured loans to small and medium sized merchants. In addition, it offers a Buy Now Pay Later services whereby consumers split repayments into equal instalments. The company was formerly known as ZipMoney Limited and changed its name to Zip Co Limited in December 2017. Zip Co Limited was incorporated in 2009 and is based in Sydney, Australia.