Major BNPL Player Zip Co. (ASX: ZIP) Partners with Giftify (GIFT) for CardCash Integration

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Amazon, Walmart, Best Buy Partner Zip Expands Portfolio with CardCash as Costco Validates BNPL Market Growth

Giftify, Inc. (GIFT), the owner and operator of CardCash.com and Restaurant.com, announced a strategic partnership with major Buy Now, Pay Later provider Zip Co. (ZIP.AX), bringing enterprise-level BNPL capabilities to CardCash's gift card marketplace. This collaboration enables CardCash customers to split their gift card purchases into installment payments directly at checkout, leveraging the same payment infrastructure trusted by retail giants Amazon (AMZN), Walmart (WMT), Best Buy (BBY), and GameStop (GME).

Zip's Blue-Chip Retail Network Validates CardCash Partnership

For ZIP investors tracking the company's merchant expansion strategy, the CardCash partnership represents continued diversification into high-margin digital marketplaces. Zip Co. currently serves an impressive roster of major retailers including Best Buy for electronics and home appliances, GameStop for gaming products, Walmart for general merchandise, and Amazon for e-commerce transactions. The company also powers BNPL options for leading fashion brands like Zara, H&M, Asos, Fashion Nova, and Abercrombie & Fitch.

Zip's integration with global payment platforms such as Stripe and Google Pay demonstrates the enterprise-grade infrastructure that GIFT now accesses through this partnership. For investors in both ZIP and GIFT, this collaboration showcases Zip's ability to attract diverse merchant partners while providing Giftify with proven payment technology used by billion-dollar retailers across the NYSE and NASDAQ.

BNPL Market Acceleration Driven by Major Retailer Adoption

The announcement comes amid significant validation of the BNPL sector, with Costco (COST) recently announcing its own initiative partnering with Affirm for online purchases above $500. According to recent reports, Costco's multi-year partnership allows members to finance purchases between $500 and $17,500 through personalized monthly payment plans ranging from 3 to 36 months, with interest rates between 10-36%.

"We're constantly looking for ways to help our customers get more value from their everyday purchases," said Carol Rosenblum, Marketing Manager at CardCash. "Adding Buy Now, Pay Later at checkout can help you manage your cash flow without giving up the savings you get from discounted gift cards."

Strategic Revenue Potential Across Both Companies

For GIFT investors, securing a partnership with a BNPL provider of Zip's caliber—one trusted by Amazon and Walmart—represents significant validation of CardCash's platform and growth potential. Unlike traditional credit offerings, the BNPL model for CardCash is completely de-risked for Giftify, as Zip assumes all financial risk for customer non-payment while potentially driving increased transaction volume and average order values.

For ZIP investors, the CardCash partnership expands the company's reach into the gift card marketplace, a sector that generated significant consumer spending even during economic uncertainty. This diversification complements Zip's existing retail partnerships with Best Buy and GameStop and could drive additional transaction volume through CardCash's customer base seeking discounted gift cards for major brands.

"This partnership with Zip aligns perfectly with Giftify's strategic vision to expand payment options across our platforms," said Ketan Thakker, CEO of Giftify, Inc. "By incorporating Buy Now, Pay Later functionality into CardCash, we're enhancing the customer experience and providing more flexibility in how people access our discounted gift cards."

Consumer Spending Paradigm Shift Benefits Both Platforms

The BNPL model has experienced explosive adoption amid inflation and economic uncertainty, as consumers seek better ways to manage cash flow through split payments and interest-free financing. According to the press release, CardCash users can save up to 35% on everyday brands, from national retailers to travel providers. By combining those savings with Zip's flexible payment options, both companies position themselves to capture market share from traditional credit providers.

This development comes as Americans hold more than $1.2 trillion in credit card debt, according to Federal Reserve data. While BNPL platforms offer added flexibility through pay-in-four models and extended payment schedules, they also represent a growing alternative to traditional credit that benefits both ZIP's transaction volume and GIFT's customer acquisition potential.

Cross-Investment Opportunity for Market Participants

ZIP investors seeking exposure to the gift card and dining deals market may find GIFT an attractive complement to their BNPL holdings, while GIFT investors gain exposure to proven payment technology infrastructure through this partnership. The collaboration demonstrates how established BNPL providers like Zip continue expanding their merchant networks beyond traditional retail giants into specialized marketplaces like CardCash.

The new Zip payment option is now live and available to eligible CardCash shoppers at checkout, creating potential upside for both ZIP through increased transaction volume and GIFT through expanded customer accessibility and higher conversion rates.

Disclaimer: This article is for informational purposes only and does not constitute investment advice. Always conduct your own research and consult with a financial advisor before making investment decisions.

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