Zip Co Limited appointed veteran payments and financial services industry leader Andy Stearns as Senior Vice President and Head of Merchant Business, starting immediately, for the U.S. market. In his new role, Stearns will focus on accelerating the growth of Zip’s merchant network and driving product innovation to assist retail merchants in effectively capitalizing on Zip's mission and commitment to creating a financially fearless world, attracting customers who value flexible payment options, and promoting financial well-being among all. Before joining Zip, Stearns spearheaded all customer management groups within Capital One's Business Cards & Payments organization.

His influence extended to small, mid-sized, and large companies throughout the United States. Prior, Stearns led the go-to-market efforts of Capital One’s Commercial Card business as a founding member of the team, leading the growth of sales, customer management, sales strategy and analytics as well as marketing and product strategy since the inception of the business, playing a pivotal role in propelling Capital One's Commercial Card business toward rapid growth. During his tenure at American Express, Stearns served as director of small business relationship management and global corporate payments business development.

Andy earned a bachelor's degree from Cornell University. Stearns is deeply committed to social justice, education, and poverty alleviation, as evidenced by his dedicated volunteer work with organizations such as World Vision, Harbor House Ministries, and Commonwealth Catholic Charities. Through his involvement, he has actively contributed to creating positive change in communities at home and around the world empowering individuals in need.