494:
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29:
561:(ASIC) with "Product Intervention Powers" (PIP). These powers provide ASIC with authority to intervene where it identifies a risk of significant detriment to retail consumers (including those using BNPL services like Afterpay). The company supported the introduction of these powers as a way to provide regulatory oversight and protect consumers.
546:
Afterpay has been criticized as being harmful to consumers. Studies have found that in order to keep up with payments, some users experience financial stress, incurring debt and neglecting essential needs. PRObono
Australia said in 2019 that it was "putting vulnerable young people into vicious cycles
614:
for many small businesses. Small businesses are at a particularly high risk of having their cash reserves depleted due to delayed payment from
Afterpay, often as much as three months. Afterpay's use of a 'rolling reserve' means that individual businesses can be out tens of thousands for up to three
476:
Afterpay is best known for its "pay later" service that allows in-store and online customers to purchase a product immediately and pay with four equal fortnightly repayments. The repayments are interest-free, but if they are not paid every two weeks as required, late fees of (in
Australia) $ 10 per
415:
In August 2018, Afterpay acquired 90% of the equity in
Clearpay, a UK based BNPL service, for a total consideration of one million Afterpay shares. In its 2019 financial year update, the company announced that its growth in the UK was faster than that of the US, with more than 200,000 UK customers
553:
Market commentators suggest that while BNPL payment options (such as
Afterpay and its competitors) are showing significant upside for investors, such growth may not be sustained unless the company continues to show that it is able to generate larger basket sizes (i.e., extra sales that consumers
429:
commented that
Afterpay's growth was spurred by "investors are seeking exposure to e-commerce as the coronavirus crisis pushes more shopping online, and continuing government stimulus will keep bad debts low”. In 2020, Afterpay unveiled plans to expand its services to at least four continents,
449:
39 billion in stock for the acquisition and the process is expected to be finalised in the first quarter of 2022. It was reported that Molnar and Eisen will lead
Afterpay's merchant and consumer businesses inside Square. Shares of Afterpay in Australia closed higher after the news.
336:
In June 2017, Afterpay merged with one of its technology suppliers, Touchcorp, to form the
Afterpay Touch Group. In November 2019, the company was renamed Afterpay Limited. In August 2021, Afterpay and American payments company Square, Inc. (later renamed
576:
Financing Act 2006 (AML/CTF regulations). The company is "in dialogue" with the regulators, and the outcome of the probe has yet to be determined. AUSTRAC, upon identifying several concerns with its compliance, ordered the appointment of an external
480:
The business is supposedly paid the full amount within a few days, less a processing fee of 4.19% (as of
January 2019). Afterpay bears the risk of default by the customer. Its income consists of processing fees and late payment fees.
542:
are
Afterpay's main customer demographic, accounting for 75% of all users. Another significant segment of Afterpay's customer base is university students, of which one third have been found to use short-term borrowing.
584:
In November 2020, the ASIC released a report on the BNPL industry, highlighting the need for consumer protections via existing and impending regulatory changes, yet did not call for any new regulation. The
532:
use in Australia. From 2018 to 2019, the number of credit card accounts dropped nearly 5% from 16.7 million to 15.89 million, with 69% of millennials using their credit card less as a result of Afterpay.
1972:
1923:
1171:
665:
619:
e.g. $ 50 at a time, but not the interest on these funds. Customer use of Afterpay is so high for some businesses, however, that opting out may translate to significant lost business.
858:
825:
716:
3044:
1220:
1568:
3014:
3004:
912:
460:
approved Block's takeover bid of Afterpay, marking the final hurdle in the acquisition merger. On January 19, 2022, Afterpay suspended trading of its shares on the
536:
In February 2020, Afterpay was reported to have 3.6 million active customers in the US, 3.1 million in Australia and New Zealand, and 600,000 in the UK.
1786:
453:
In November 2021, Afterpay announced that they would launch BNPL for subscriptions, such as for gym memberships and entertainment subscriptions, to US customers.
1106:
547:
of debt that follow them long after they stop spending". Despite this negative press, in 2019, it was reported that 95% of payments had not incurred a late fee.
1813:
1734:
1248:
3039:
1898:
1539:
408:
Two months later, the company revealed that it had over two million active users and 6,500 merchants in the US and announced a strategic partnership with
2185:
468:
commenced trading on the ASX under the ticker SQ2. On January 31, 2022, Block completed the acquisition of Afterpay, officially making it a subsidiary.
1596:
886:
2999:
2963:
558:
385:
19.4 million in Afterpay to support its entry into the US retail market. Afterpay was launched in the US in mid-May 2018 with retailers such as
1836:
1163:
1867:
1358:
1329:
971:
810:
1194:
780:"Square, Inc. Announces Plans to Acquire Afterpay, Strengthening and Enabling Further Integration Between its Seller and Cash App Ecosystems"
2658:
1709:
748:
597:. BNPL platforms charge no interest to its customers, and hence are not subject to Australia's Credit Act. However, during June 2022, the
1053:
943:
430:
including Asia, to capitalize on the online shopping surge brought by the COVID-19 pandemic. This plan would entail the acquisition of
1651:
1453:
997:
3029:
2647:
606:
2019:
3049:
3009:
2680:
2178:
691:
1680:
3059:
3054:
3019:
2078:
1275:
1868:"'Regulation is not enough': Afterpay defends the BNPL industry code of conduct, as consumer advocates slam it as toothless"
1622:
1303:
2637:
2171:
361:
Afterpay was founded by Molnar and his then-neighbor, Eisen, in October 2014. On 4 May 2016, the company listed on the
1137:
1428:
1386:
423:, many retailers closed physical stores and potential customers were increasingly hesitant to shop in-person. The
1078:
412:
On 21 May 2020, the company announced that its operations had grown to five million active customers in the US.
2758:
362:
779:
2813:
2688:
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405:
317.2 million in fresh capital through a share issue, in part to help fund its international growth.
2673:
1841:
1685:
1627:
1544:
3034:
550:
In 2018, Afterpay announced it earned 24.4% of its income from late fees and 75.6% from merchant fees.
269:
2823:
2071:
1875:
1791:
1390:
1330:"Investor frenzy in 'buy now pay later' as Australians wipe billions of dollars off credit card debt"
1027:
917:
2838:
2619:
2194:
445:, a digital payments company, announced that Afterpay would be acquired by Square. Square will pay
1482:
341:
in December 2021) announced they had entered into arrangements for Square to acquire Afterpay for
2928:
2888:
2858:
2853:
2285:
2116:
1735:"Design and Distribution Obligations and Product Intervention Powers legislation has been passed"
1195:"Square to buy Australia's Afterpay in $ 29 billion deal as 'buy now, pay later' trend takes off"
859:"Buy now, pay later: how Afterpay went from a triumphant share issue to an Austrac investigation"
370:
130:
1652:"Afterpay's late fees make up 24pc of its income; ASIC recommends buy now, pay later law reform"
1164:"Square to buy Afterpay, which offers a 'buy now, pay later' service, for $ 39 billion in stock"
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51:
8:
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593:, which came into effect on 1 March 2021, is voluntary, so it does not have the teeth of
2883:
2733:
2384:
2309:
1573:
1520:
1359:"Australians ditch credit cards as millennials turn to BNPL players like Afterpay, Zip"
863:
634:
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306:
261:
1994:
2848:
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2250:
1524:
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573:
420:
279:
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1111:
948:
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1569:"Afterpay: buy-now pay-later scheme soars in popularity but experts sound warning"
2968:
2833:
2803:
2493:
2379:
2324:
2121:
826:"How A 28-Year-Old Turned Layaway For Millennials Into A Billion-Dollar Business"
465:
378:
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238:
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1814:"AUSTRAC orders audit of Afterpay's compliance with financial crime legislation"
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2709:
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310:
95:
1948:
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at Afterpay's expense to examine its compliance with the AML/CTF regulations.
2993:
2898:
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1516:
457:
401:
4.7 billion in the 11 months to May 2019, in June 2019, Afterpay raised
386:
346:
330:
318:
111:
91:
2163:
1498:
601:
announced that it planned to regulate the BNPL sector under the Credit Act.
2828:
2548:
2513:
2243:
2148:
972:"Afterpay share price on watch after hitting 5 million active US customers"
783:
616:
442:
2943:
2873:
2793:
2783:
2451:
2394:
2270:
2142:
2087:
1597:"Crisis coming: buy now pay later services target vulnerable young women"
539:
529:
390:
338:
326:
322:
302:
186:
107:
83:
1973:"Afterpay under fire as more merchants expose 'rort' of rolling reserve"
1507:
493:
2953:
2948:
2389:
2319:
2233:
2228:
2218:
1899:"Embattled buy now, pay later sector to be regulated under credit laws"
193:
166:
39:
2329:
2020:"ASX Announcements: Afterpay Holdings Limited IPO and Business Update"
913:"Add now, profit later: Afterpay wins half a million new US customers"
2918:
2868:
2768:
2704:
2599:
2579:
2446:
2238:
2223:
1787:"Austrac scrutinising Afterpay over anti-money laundering compliance"
887:"Afterpay lands in the US, keen for a slice of $ 3.8 trillion market"
435:
431:
409:
309:(BNPL) service. It was founded in Australia and also operates in the
79:
2696:
1304:"Should your business use Afterpay? All the pros and cons explained"
1221:"Block's Afterpay bid wins final approval from Spanish central bank"
666:"How a recession gave one Aussie guy a billion-dollar business idea"
2748:
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1950:
Afterpay fine print 'crippling' small businesses | A Current Affair
528:
services such as Afterpay has been cited as a cause of decreasing
2958:
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2933:
2923:
2913:
2589:
2523:
2473:
2436:
610:
for holding funds from allegedly high-risk businesses, causing a
578:
565:
353:
39 billion), which was later completed on January 31, 2022.
151:
615:
months, with these funds only gradually released in the form of
28:
2878:
2843:
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In June 2019, Afterpay disclosed that it was under probe by
2903:
2604:
2584:
2538:
2483:
2468:
2364:
2292:
2255:
2049:
1924:"The Afterpay fine print crippling Aussie small businesses"
1540:"One in five buy now, pay later users is missing payments"
1487:
Economic Papers: A Journal of Applied Economics and Policy
2763:
1710:"ASIC's new product intervention powers becomes official"
461:
274:
998:"International Expansion Progresses and Capital Raising"
749:"'Perfect partner': Square buys Afterpay in $ 39b deal"
586:
228:
3045:
Companies listed on the Australian Securities Exchange
2025:(Press release). Afterpay Holdings Limited. 4 May 2016
805:
803:
801:
1454:"Afterpay shows Millennials the new force in markets"
557:
In April 2019, legislation was passed to provide the
1249:"Afterpay clears last hurdle: Block to trade on ASX"
1138:"Tech in Asia – Connecting Asia's startup ecosystem"
1054:"Afterpay Touch Group launches 'Clearpay' in the UK"
464:. On January 20, 2022, the merged entity trading as
798:
484:
1837:"AUSTRAC orders Afterpay to hire external auditor"
1107:"Afterpay defies gravity amid e-commerce scramble"
559:Australian Securities & Investments Commission
1483:"Future Expectations and Financial Satisfaction*"
1132:
1130:
774:
772:
747:Shapiro, Jonathan; Eyers, James (2 August 2021).
3015:Online financial services companies of Australia
3005:Financial services companies established in 2013
2991:
1429:"Afterpay Has More US Customers Than Australian"
856:
1276:"Afterpay's US Foray Carries High Expectations"
852:
850:
848:
811:"Block, Inc. Completes Acquisition of Afterpay"
692:"Afterpay and Touchcorp Merger is Now Complete"
1127:
1051:
769:
742:
740:
738:
642:125 million to list on the ASX; however,
604:In November 2023, Afterpay came under fire on
438:-focused buy-now-pay-later service EmpatKali.
2674:
2193:
2179:
2072:
1835:Han, Misa; Shapiro, Jonathan (13 June 2019).
1481:West, Tracey; Cull, Michelle (17 July 2020).
823:
813:(Press release). Block, Inc. 31 January 2022.
3040:Australian subsidiaries of foreign companies
1992:
1970:
1681:"Retailers face Afterpay hangover, says UBS"
1537:
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937:
935:
735:
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27:
1862:
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3000:Australian companies established in 2013
1678:
1480:
1218:
1052:Wightman-Stone, Danielle (6 June 2019).
932:
717:"Results of 2019 Annual General Meeting"
1971:Turner-Cohen, Alex (21 November 2023).
1566:
1293:
1273:
1238:
587:Australian Finance Industry Association
16:Australian financial technology company
2992:
1896:
1857:
1784:
1567:McGowan, Michael (20 September 2017).
1426:
1356:
1192:
1161:
910:
2662:
2167:
2060:
1707:
944:"Afterpay customers exceed 5 million"
941:
817:
488:
397:. With reported underlying sales of
1594:
1474:
1420:
1405:
1219:Danckert, Sarah (11 January 2022).
689:
13:
1679:Mitchell, Sue (20 December 2018).
1623:"Afterpay regulatory risks fading"
1322:
1174:from the original on 1 August 2021
1028:"Afterpay fine tunes UK expansion"
663:
381:announced its intention to invest
325:. Afterpay was founded in 2014 by
14:
3071:
2041:
1538:Eyers, James (16 November 2020).
1357:Khadem, Nassim (17 August 2020).
1025:
884:
857:McGowan, Michael (19 June 2019).
471:
2695:
2642:
2633:
2632:
1649:
1620:
1412:"How millennials manage money".
723:. Australian Securities Exchange
554:would not otherwise have made).
492:
485:Impact, criticism and regulation
244:
243:
172:
171:
157:
156:
3050:Companies in the S&P ASX 50
3030:Software companies of Australia
2086:
2012:
1986:
1964:
1941:
1916:
1890:
1828:
1806:
1778:
1749:
1727:
1701:
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1379:
1350:
1267:
1212:
1186:
1155:
1099:
1045:
1019:
990:
964:
942:Eyers, James (27 August 2019).
911:Kruger, Colin (9 August 2019).
904:
568:for potential breaches of the
416:joining in the first 15 weeks.
3010:Financial technology companies
2814:Fisher & Paykel Healthcare
1874:. 3 March 2021. Archived from
1193:Rooney, Kate (2 August 2021).
1086:Afterpay Touch Investor Centre
878:
709:
683:
657:
638:reported that Afterpay raised
628:
363:Australian Securities Exchange
1:
3060:2022 mergers and acquisitions
1785:Kruger, Colin (6 June 2019).
1414:Alpha Beta Strategy Economics
1162:Peters, Jay (1 August 2021).
1079:"FY2019 Results Announcement"
824:Kauflin, Jeff (3 July 2018).
650:
441:In August 2021, Afterpay and
3055:Financial software companies
3020:Companies based in Melbourne
1462:. Australia. 18 January 2019
373:. In January 2018, American
125:Nicholas Molnar (co-founder)
7:
1993:Thumm, James (5 May 2016).
1897:Butler, Ben (7 June 2022).
1842:Australian Financial Review
1708:Bindi, Tas (4 April 2019).
1686:Australian Financial Review
1628:Australian Financial Review
1545:Australian Financial Review
1427:PYMNTS (28 February 2020).
1338:. Australia. 16 August 2020
1253:Australian Financial Review
646:25 million was raised.
477:indiscretion are incurred.
10:
3076:
1872:Business Insider Australia
356:
207:Afterpay Australia Pty Ltd
176:AU$ 159.4 million (FY2021)
161:AU$ 924.7 million (FY2021)
63:; 9 years ago
2724:
2717:
2628:
2572:
2201:
2195:Payment service providers
2135:
2094:
2033:– via OpenBriefing.
1792:The Sydney Morning Herald
1391:Reserve Bank of Australia
1225:The Sydney Morning Herald
976:The Motley Fool Australia
918:The Sydney Morning Herald
456:On January 12, 2022, the
260:
252:
237:
223:
201:Afterpay Holdings Pty Ltd
192:
180:
165:
150:
140:
117:
101:
75:
57:
45:
35:
26:
1816:(Press release). AUSTRAC
1764:Afterpay Investor Centre
1115:. Australia. 3 July 2020
622:
248:16.2 million (June 2021)
213:Clearpay Finance Limited
2929:Sydney Airport Holdings
2859:Northern Star Resources
2854:National Australia Bank
1995:"Afterpay Lists on ASX"
1499:10.1111/1759-3441.12292
891:Business News Australia
696:Business News Australia
216:Afterpay Canada Limited
1493:(4): 1759–3441.12292.
2504:Sarvatra Technologies
570:Anti-Money Laundering
305:, best known for its
297:) is a multinational
2839:Magellan Global Fund
2707: →
2214:Airtel Payments Bank
1274:Bourlioufas, Nicki.
595:financial regulation
299:financial technology
145:Financial technology
2719:As of 28 April 2021
2694:←
664:Willis, Charlotte.
599:Albanese Government
262:Native client(s) on
253:Current status
23:
2884:Ramsay Health Care
2734:Aristocrat Leisure
2154:Amrita Ahuja (CFO)
1953:, 10 November 2023
1574:Guardian Australia
1142:www.techinasia.com
864:Guardian Australia
721:APT: Announcements
635:Guardian Australia
504:. You can help by
307:buy now, pay later
21:
3035:Australian brands
2987:
2986:
2849:Mineral Resources
2789:Commonwealth Bank
2712:
2693:
2656:
2655:
2161:
2160:
1757:"Business Update"
1737:. Hall and Wilcox
1601:PRObono Australia
1310:. 15 January 2019
1255:. 11 January 2022
782:(Press release).
574:Counter-Terrorism
522:
521:
421:COVID-19 pandemic
301:company owned by
288:
287:
210:Touchcorp Limited
204:Afterpay US, Inc.
61:October 2014
3067:
2909:Sonic Healthcare
2744:Auckland Airport
2708:
2699:
2689:
2683:
2676:
2669:
2660:
2659:
2646:
2645:
2636:
2635:
2298:Chase Paymentech
2188:
2181:
2174:
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2081:
2074:
2067:
2058:
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2053:
2052:
2050:Official website
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2016:
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1005:ASX Announcement
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754:Financial Review
744:
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707:
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690:Simmons, David.
687:
681:
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678:
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661:
645:
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631:
612:liquidity crisis
607:A Current Affair
591:Code of Practice
517:
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489:
448:
426:Financial Review
404:
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395:Urban Outfitters
384:
369:25 million
368:
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344:
293:(abbreviated as
291:Afterpay Limited
247:
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233:
230:
175:
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126:
76:Area served
71:
69:
64:
36:Type of business
31:
24:
22:Afterpay Limited
20:
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3068:
3066:
3065:
3064:
2990:
2989:
2988:
2983:
2969:Woodside Energy
2964:WiseTech Global
2834:Macquarie Group
2804:Endeavour Group
2720:
2713:
2710:S&P/ASX 200
2687:
2657:
2652:
2624:
2568:
2494:Red Dot Payment
2380:Oxigen Services
2325:Global Payments
2197:
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2131:
2090:
2085:
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518:
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502:needs expansion
487:
474:
446:
402:
398:
382:
379:Matrix Partners
375:venture capital
366:
359:
350:
342:
284:
227:
219:
136:
131:co-founder, CEO
129:Anthony Eisen (
124:
118:Key people
110:
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2701:S&P/ASX 50
2691:S&P/ASX 20
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2042:External links
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2011:
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1766:. 6 June 2019
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978:. 21 May 2020
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786:2 August 2021
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617:micropayments
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513:November 2020
507:
503:
500:This section
498:
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482:
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469:
467:
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459:
458:Bank of Spain
454:
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388:
387:Anthropologie
380:
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340:
334:
332:
331:Anthony Eisen
328:
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320:
319:United States
316:
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112:Anthony Eisen
109:
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97:
93:
92:United States
89:
85:
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78:
74:
60:
56:
53:
50:
44:
41:
38:
34:
30:
25:
19:
2829:James Hardie
2728:
2549:Worldline SA
2275:
2149:Jim McKelvey
2101:
2095:Subsidiaries
2027:. Retrieved
2014:
2002:. Retrieved
1998:
1988:
1976:. Retrieved
1966:
1955:, retrieved
1949:
1943:
1931:. Retrieved
1927:
1918:
1906:. Retrieved
1903:the Guardian
1902:
1892:
1880:. Retrieved
1876:the original
1871:
1847:. Retrieved
1840:
1830:
1818:. Retrieved
1808:
1796:. Retrieved
1790:
1780:
1768:. Retrieved
1763:
1751:
1739:. Retrieved
1729:
1717:. Retrieved
1713:
1703:
1691:. Retrieved
1684:
1674:
1664:10 September
1662:. Retrieved
1655:
1645:
1633:. Retrieved
1626:
1621:Boyd, Tony.
1616:
1604:. Retrieved
1600:
1590:
1580:10 September
1578:. Retrieved
1572:
1562:
1550:. Retrieved
1543:
1533:
1508:10072/399080
1490:
1486:
1476:
1464:. Retrieved
1457:
1448:
1436:. Retrieved
1432:
1422:
1413:
1407:
1395:. Retrieved
1381:
1369:. Retrieved
1362:
1352:
1340:. Retrieved
1333:
1324:
1312:. Retrieved
1308:SmartCompany
1307:
1283:. Retrieved
1279:
1269:
1257:. Retrieved
1252:
1228:. Retrieved
1224:
1214:
1202:. Retrieved
1198:
1188:
1176:. Retrieved
1167:
1157:
1145:. Retrieved
1141:
1117:. Retrieved
1110:
1101:
1089:. Retrieved
1085:
1073:
1061:. Retrieved
1057:
1047:
1035:. Retrieved
1031:
1021:
1009:. Retrieved
1004:
992:
980:. Retrieved
975:
966:
954:. Retrieved
947:
922:. Retrieved
916:
906:
894:. Retrieved
890:
880:
868:. Retrieved
862:
835:. Retrieved
829:
819:
788:. Retrieved
784:Square, Inc.
759:. Retrieved
752:
725:. Retrieved
720:
711:
699:. Retrieved
695:
685:
673:. Retrieved
669:
659:
633:
629:
605:
603:
583:
563:
556:
552:
549:
545:
538:
535:
524:The rise of
523:
510:
506:adding to it
501:
479:
475:
455:
452:
440:
424:
418:
414:
407:
360:
335:
294:
290:
289:
194:Subsidiaries
47:Type of site
18:
3025:Block, Inc.
2944:TPG Telecom
2874:Reece Group
2784:Coles Group
2452:paysafecard
2395:Paymentwall
2143:Jack Dorsey
2088:Block, Inc.
1999:PowerRetail
1978:21 November
1957:11 November
1933:11 November
1845:. Australia
1714:The Adviser
1689:. Australia
1660:. Australia
1631:. Australia
1548:. Australia
1367:. Australia
1342:18 November
1147:11 December
952:. Australia
757:. Australia
670:news.com.au
540:Millennials
530:credit card
419:During the
391:Free People
339:Block, Inc.
327:Nick Molnar
323:New Zealand
303:Block, Inc.
187:Block, Inc.
108:Nick Molnar
84:New Zealand
2994:Categories
2974:Woolworths
2954:Wesfarmers
2949:Transurban
2320:Freecharge
2219:Amazon Pay
2151:(Director)
2136:Executives
1635:4 February
1466:30 October
1438:30 October
1433:PYMNTS.com
1397:30 October
1314:9 December
1259:27 January
1230:27 January
1119:30 October
1007:. Afterpay
727:7 November
651:References
167:Net income
103:Founder(s)
40:Subsidiary
2919:Stockland
2889:Rio Tinto
2869:REA Group
2809:Fortescue
2769:BlueScope
2705:Australia
2600:PayDirect
2580:Billpoint
2447:Openbucks
2410:Braintree
2224:Ant Group
1525:225589609
1517:0812-0439
1371:8 January
1168:The Verge
1091:28 August
956:28 August
675:7 January
436:Indonesia
432:Singapore
410:Visa Inc.
80:Australia
2779:Cochlear
2774:Brambles
2729:Afterpay
2638:Category
2595:Wirecard
2559:YooMoney
2544:WebMoney
2534:VersaPay
2529:Verifone
2519:Tata Neu
2442:Neteller
2432:PayPoint
2400:Payoneer
2385:Passport
2355:MobiKwik
2335:Ingenico
2281:Cash App
2276:Afterpay
2266:BillDesk
2112:Cash App
2102:Afterpay
2029:2 August
2004:2 August
1693:31 March
1657:ABC News
1606:14 March
1552:2 August
1364:ABC News
1335:ABC News
1285:31 March
1280:FN Arena
1204:3 August
1178:2 August
1172:Archived
924:9 August
870:2 August
837:2 August
790:2 August
761:2 August
701:31 March
632: :
434:-based,
365:with an
345:29
295:Afterpay
229:afterpay
141:Industry
2959:Westpac
2939:Telstra
2934:Tabcorp
2924:Suncorp
2914:South32
2819:Goodman
2590:Clinkle
2573:Defunct
2524:Tencent
2474:PhonePe
2437:Paysafe
1908:12 June
1882:26 July
1849:13 June
1820:13 June
1416:. 2019.
1037:1 April
1011:1 April
896:1 April
579:auditor
566:AUSTRAC
357:History
347:billion
280:Windows
270:Android
152:Revenue
68:2014-10
66: (
58:Founded
52:Fintech
2894:Santos
2879:ResMed
2844:Mirvac
2514:Stripe
2509:Shift4
2499:Remita
2457:Skrill
2415:Zettle
2405:PayPal
2345:Mi-Pay
2340:Klarna
2315:Dwolla
2286:Square
2244:Wallet
2202:Active
2127:Weebly
2117:Square
2107:Bitkey
1798:7 June
1770:7 June
1741:7 June
1719:7 June
1523:
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1393:. 2019
1063:7 June
982:23 May
831:Forbes
443:Square
393:, and
321:, and
317:, the
315:Canada
256:Active
182:Parent
88:Canada
2799:Dexus
2739:Amcor
2615:Ukash
2489:Quahl
2464:Paytm
2420:Venmo
2375:Opayo
2370:Nuvei
2360:Nagad
2330:Gopay
2303:WePay
2271:Block
2261:bKash
2229:Apple
2209:Adyen
2145:(CEO)
2122:Tidal
2023:(PDF)
1760:(PDF)
1521:S2CID
1082:(PDF)
1032:Altfi
1001:(PDF)
623:Notes
466:Block
377:fund
239:Users
2979:Xero
2904:Seek
2648:List
2620:Zong
2605:Qiwi
2585:C2it
2564:Zeta
2539:Veem
2484:QRIS
2469:PayU
2425:Xoom
2390:Paya
2365:Nexi
2293:BPAY
2256:BHIM
2251:Atom
2234:Card
2031:2021
2006:2021
1980:2023
1959:2023
1935:2023
1910:2022
1884:2021
1851:2019
1822:2019
1800:2019
1772:2019
1743:2019
1721:2019
1695:2019
1666:2018
1637:2019
1608:2019
1582:2018
1554:2021
1513:ISSN
1468:2020
1440:2020
1399:2020
1373:2021
1344:2020
1316:2021
1287:2019
1261:2022
1232:2022
1206:2021
1199:CNBC
1180:2021
1149:2020
1121:2020
1093:2019
1065:2019
1039:2019
1013:2019
984:2020
958:2019
926:2019
898:2019
872:2021
839:2021
792:2021
763:2021
729:2020
703:2019
677:2021
572:and
526:BNPL
343:US$
329:and
231:.com
2824:IAG
2794:CSL
2764:BHP
2759:ASX
2754:APA
2749:ANZ
2610:Tez
2350:Mir
2310:CNG
2239:Pay
1503:hdl
1495:doi
644:A$
640:A$
589:'s
508:.
462:ASX
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399:A$
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367:A$
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