Zip US and InComm Payments Bring Flexible Payments to Gift Cards, Giving Shoppers a New Way to Pay

Consumers can now use the Zip app to buy popular gift card brands and split purchases into installments over time

Zip , the digital financial services company offering innovative, people-centered products for everyday Americans, and InComm Payments, a global payments technology company, announced a partnership that brings installment buying to the gift card category. Through the integration, eligible shoppers can purchase popular gift card brands directly in the Zip app.

This reflects growing consumer appetite for more control over how and when they spend. According to Federal Reserve data, 15% of consumers surveyed in 2024 used Buy Now, Pay Later (BNPL) in the prior 12 months, rising from 14% in 2023 and 10% in 2021. With 4.6 million active customers in the US and 29,000 merchant partners, Zip is bringing that same flexibility to gift cards, giving consumers more flexibility over how they manage their spending.¹

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“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,” said Jinal Shah, Chief Marketing and Customer Officer at Zip. “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.”

Gift cards available on the Zip app span popular retailers, entertainment brands, dining, and travel providers. Once eligible shoppers select a card and denomination, they can choose how to split the cost at checkout and complete the transaction without leaving the app.

“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,” said Adam Brault, SVP of Financial Services at InComm Payments. “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.”

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