Didn't Zip pay pull out of Australia? Places are still offering it. I never really used these buy now pay later platforms but you could stretch a purchase out over like 6 months with Zip
Don't believe so, you can still use it at places that offer it. Pretty sure they expanded the service to also work as a Visa card so you can technically use it anywhere, not just at retailers that offer it (no idea if there's extra costs involved in that though).
I must be. There are too many of those companies here. This Machine Kills had a great episode on them a few years ago and why there are so many in Australia