Zip and InComm Payments have partnered to bring instalment payments to gift cards, allowing eligible US shoppers to purchase popular gift card brands through the Zip app and split payments over time. The integration gives Zip's 4.6 million active US customers access to gift cards across retail, entertainment, dining and travel categories. Users can select cards, choose denominations and split costs at checkout without leaving the app. The move responds to growing adoption of buy now, pay later services. Federal Reserve data shows 15% of consumers surveyed in 2024 used BNPL in the prior 12 months, up from 10% in 2021. Founded in Australia in 2013, Zip operates in Australia, New Zealand and the United States with 29,000 merchant partners. InComm Payments is a global payments technology company headquartered in Atlanta.

IXOPAY and Zip US have launched the Unified Trust Layer Framework, an open industry initiative addressing trust and liability challenges in AI-initiated commerce. The framework aims to establish identity verification, preserve transaction intent and make trust measurable when AI agents autonomously conduct transactions. The initiative responds to structural shifts in payment systems, which were designed for human-initiated transactions. According to Accenture, 87% of financial institution technology officers believe trust will be the most significant barrier to agentic payments adoption, whilst 78% expect fraud to increase as agentic commerce scales. The framework focuses on three capabilities: agent identity validation, intent capture and preservation, and contextual trust signalling. IXOPAY and Zip are inviting merchants, networks and platforms to help shape the framework's development.

Zip, a digital financial services company, has launched Pay in 2, a new payment option allowing US customers to split purchases into two instalments over two weeks. The product complements Zip's existing Pay in 4 offering, targeting everyday spending within a single billing cycle. The launch follows a pilot programme where 95% of participants said they would use Pay in 2 again, primarily for groceries and bills. The shorter payment window is designed to help customers manage cash flow between paychecks. From 9-15 February, the first 100 daily customers using Pay in 2 will receive one year of no origination fees on subsequent orders. Loans are originated by WebBank and subject to credit approval. Zip operates in Australia, New Zealand and the United States, serving millions of customers across tens of thousands of merchants.