Zip -Easy at a retail level.
We use ZIP pay at a retail level and it so easy to use and relatively well priced. Historically we used the GE, now Latitude, products (GEM Visa, Buyers Edge and others). These have have essentially disappeared, other than for older customers with historical accounts. Customers either ask "do you have Afterpay or ZIP" Zip also offer ZIP Money which is a longer term product. Zip is now integrated into our POS system which makes it a bit more sticky for a retailer.