Zippay
Zippay is an instant mobile payment service launched by Revolut in Ireland in March 2026, targeting Irish consumers as a direct challenger to domestic banks AIB, Bank of Ireland, and PTSB.
- Company typePrivate
- Founded2026
- HeadquartersSão Paulo, Brazil
- Headcount—
- GTM typeB2C
- OfferingSoftware
What Zippay does
Zippay is an instant mobile payment service launched by Revolut in Ireland in March 2026. The product is positioned as a challenger to Ireland's traditional domestic banks — AIB, Bank of Ireland, and PTSB — offering consumers an alternative to conventional banking transfer rails. Zippay targets a customer base of over five million accounts and leverages Revolut's existing technology infrastructure and established user base of more than three million customers in Ireland. The service operates as a direct-to-consumer mobile application enabling instant fund transfers between accounts, with stated plans to expand into adjacent financial products including mortgages and current accounts.
The business model is transaction-based: Zippay generates revenue through fees on fund transfers executed via the mobile application. The go-to-market motion is direct-to-consumer distribution via a self-serve mobile app, with no disclosed marketing channels beyond coordination through Revolut's existing digital platforms and brand presence. The product is offered under a single brand with one core product line and no disclosed tiers, pricing details, or enterprise offerings. The legal entity is domiciled in Ireland, and the company's zippay.com.br domain currently resolves to a parked Hostinger page, indicating no independent web presence.
Zippay operates as a branded product initiative of Revolut rather than as an independently capitalized company. No standalone funding rounds, headcount, management team, regulatory filings, or financial disclosures are available. There are no disclosed patents, certifications, partnerships, or AI/ML capabilities. The relationship is effectively parent-strategic: Zippay's commercial viability, distribution, compliance posture, and technology roadmap are all extensions of Revolut's broader strategy rather than standalone assets.
Zippay firmographics
Firmographics- Name
- Zippay
- Legal name
- Zippay
- Website
- https://zippay.com.br
- Company type
- Private
- Founded year
- 2026
- Operating status
- Operating
- Short description
- Zippay is an instant mobile payment service launched by Revolut in Ireland in March 2026, targeting Irish consumers as a direct challenger to domestic banks AIB, Bank of Ireland, and PTSB.
- Ownership category
- akta.pro rank
Where Zippay is headquartered
LocationHeadquarters
- HQ city
- São Paulo
- HQ country
- Brazil
- HQ region
- Latin America
Markets served
Zippay business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Marketing or Sales, Personnel, Operations
Revenue model
- Mobile Payment Services: Zippay operates as an instant mobile payment system, generating revenue through transaction-based fees for fund transfers between accounts.
Go-to-market motion1 record
Distribution channels1 record
Zippay product offering
Product offeringCore offering
Zippay is an instant mobile payment system that enables consumers to transfer funds between accounts in real time via a smartphone application. Launched by Revolut in Ireland in March 2026, it is positioned as a challenger to domestic banks AIB, Bank of Ireland, and PTSB, with planned expansion into adjacent products such as mortgages and current accounts.
Product overview
Zippay is a single core product — an instant mobile payment system — launched by Revolut in Ireland. It operates as a unified mobile payment offering targeting traditional banking competitors (AIB, Bank of Ireland, PTSB) and aims to expand into adjacent financial services including mortgages and current accounts.
Differentiator
Problem solved
Functional benefit
Products and services
- Zippay Instant mobile payment system that enables consumers to transfer funds between accounts in real time via a smartphone application. It is targeted at Irish consumers as an alternative to traditional banking transfer services, with planned expansion into mortgages and current accounts.
Companies that use Zippay
Customer profileSegments1 record
Ideal customer profiles1 record
Zippay technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Zippay partnerships and signals
Strategic signalScale indicators1 record
Recent moves1 record
Expansion highlights3 records
Zippay competitors and assessment
Company assessmentDirect peers
- Monzo: UK-based mobile-only challenger bank with instant payment rails and consumer-first banking experience; comparable in product DNA and target customer profile.
- N26: European neobank offering mobile-first current accounts and instant transfers across the EU including Ireland; competes for the same digitally native consumer segment.
- Revolut: Parent company and direct operator of Zippay; offers the same instant mobile payment and broader banking capabilities in Ireland and beyond, making it the closest functional comparable.
- Wise: Digital money transfer and payments platform with a strong Irish user base; directly comparable on instant peer-to-peer and cross-border payment functionality.
- Starling Bank: UK challenger bank with strong mobile payments and current account offering; comparable as a digital-first alternative to traditional banks in a similar regulatory environment.
- Bunq: European challenger bank offering instant payments and multi-currency accounts via a mobile app, operating in the same digital-first consumer banking category.
Broad incumbents
- AIB (Allied Irish Banks): Major Irish retail bank explicitly targeted by Zippay at launch; provides legacy payments, mortgages, and current accounts that Zippay aims to disrupt.
- PayPal: Established digital payments platform serving consumers and merchants globally; comparable on transaction-fee revenue model and instant transfer capability.
- Cash App: Mobile-first peer-to-peer payment app with a large consumer user base; comparable on instant payment mechanics and direct-to-consumer distribution model.
- Bank of Ireland: One of Zippay's named incumbent competitors in Ireland; offers full retail banking including payments, mortgages, and current accounts that Zippay intends to expand into.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat2 records
Key risks5 records
Key highlights5 records
Customer concentration
Zippay financial estimates
Financial estimateRevenue estimate
Valuation estimate
Zippay leadership team
Management profileNumber of profiles
Zippay funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Zippay M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Zippay
What does Zippay do?
Zippay is an instant mobile payment system that enables consumers to transfer funds between accounts in real time via a smartphone application. Launched by Revolut in Ireland in March 2026, it is positioned as a challenger to domestic banks AIB, Bank of Ireland, and PTSB, with planned expansion into adjacent products such as mortgages and current accounts.
Is Zippay a public or private company?
Zippay is a private company. It is classified as corporate owned and is currently operating.
When was Zippay founded?
Zippay was founded in 2026.
Where is Zippay based?
Zippay is headquartered in São Paulo, Brazil, in the Latin America region.
How does Zippay make money?
One revenue line is on record: mobile Payment Services.
Who are Zippay's main competitors?
Direct peers on record are Monzo, N26, Revolut, Wise, Starling Bank and Bunq. Broad incumbents are AIB (Allied Irish Banks), PayPal, Cash App and Bank of Ireland.
Does Zippay have an API?
No public API is recorded for Zippay.