ZoodPay is a financial technology company offering a 'Buy Now, Pay Later' (BNPL) service that allows consumers to split their purchases into four equal installments over a 90-day period without any interest or additional fees. The service is available for both online and in-store shopping, making it versatile for various retail environments. ZoodPay targets consumers who prefer flexible payment options and aims to enhance their shopping experience by providing instant approval through an external credit reference agency. The company operates in the consumer finance market, primarily serving individual shoppers who are over 18 years old and possess an eligible debit or credit card. ZoodPay's business model revolves around partnerships with retailers, who integrate ZoodPay as a payment option at checkout. The company generates revenue through merchant fees, which are charged to retailers for offering the BNPL service to their customers. This model not only drives sales for retailers but also provides consumers with a convenient and interest-free payment solution.

Keywords: BNPL, fintech, consumer finance, interest-free, installments, retail partnerships, instant approval, flexible payments, credit reference, seamless shopping.