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Mastercard Zipt is a platform (hardware and software) that enables any merchant to convert a cash customer into a new credit card user at the point of sale. At the software, customer tells his CPF, mobile phone and informs a preferred issuer to the merchant . Zipt then gets a credit score from the issuer (pos paid credit approval) and customer will activate his digital credit card using his Facebook account. At the merchant checkout, customer will be gifted by Mastercard (discounts, prizes etc) by syncing his Zipt mobile app with Zipt hardware at the point of sale.