Zilch

Freemium#25 of 26 in Buy Now, Pay Later Platforms

Zilch: Zilch combines six-week instalments, longer monthly terms, and omnichannel checkout. Ranked #25 of 26 in Buy Now, Pay Later Platforms by our editors (6.6/10); pricing: Free plan · pricing on request; best for UK and US consumer checkout.

6.6/10★★★☆☆Editor score

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Zilch6.6 Visit Zilch

At a glance

• Editor score
  6.6 / 10
• Pricing
  Free plan · pricing on request
• Best for
  UK and US consumer checkout
• Free plan
  Yes
• Checkout channels
  Omnichannel
• Founded
  2018 · London, United Kingdom
• Facts checked
  19 Sep 2026

• Where it wins

  • Six-week plans use an upfront payment and three instalments.
  • Eligible customers can choose three-, six-, or twelve-month terms.
  • Supports online card-detail checkout and in-store contactless payments.

• Where it doesn't

  • Longer monthly repayment options depend on eligibility.
  • Merchant pricing is performance-based rather than fixed.
  • UK and US products, fees, and eligibility rules differ.

Our verdict on Zilch

Zilch is a payments and lending platform for consumers who want to shop online or in stores using a Zilch card and app. It supports immediate payment, a six-week repayment plan, and longer monthly options where eligible. The product operates in the United Kingdom and United States, with region-specific offerings and requirements. For merchants, Zilch presents an omnichannel financing and customer-acquisition channel tied to completed sales.

The consumer checkout experience covers both digital and physical purchases. Online shoppers can pay using Zilch card details at checkout, while in-store customers can use contactless payments. Repayment schedules and early-payment management are handled in the app. The published repayment terms include six weeks, three months, six months, and twelve months, although the monthly options are eligibility-dependent. This makes Zilch a fit for shoppers who value instalment flexibility across channels rather than a single checkout method.

For merchants, the model is performance-based: charges apply when Zilch drives a completed sale, with no setup, integration, or monthly charges described for the model. Settlement uses existing Visa acquiring arrangements. Merchant pricing varies by the commercial arrangement and regional offering, while consumer fees and eligibility also differ between the UK and US. Zilch should suit businesses seeking an additional omnichannel acquisition route and consumers wanting scheduled repayments. It is less suitable for buyers who need uniform terms across markets or merchants that require a clearly defined fixed-rate commercial plan before adopting a payment provider.

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Zilch pricing

Zilch fact sheet

Alternatives to Zilch

• KlarnaA broad omnichannel BNPL option with contract-based pricing and country-dependent availability.9.4
• AffirmA flexible BNPL option for merchants needing online, in-store, and longer-term financing.9.3
• AfterpayAn omnichannel BNPL platform with flexible repayment terms and merchant reporting.9.2

See all Zilch alternatives →

Featured on iTechGuides

Zilch is listed in our Buy Now, Pay Later Platforms directory. Add the badge to your site — it links back to this page.

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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026

Advertiser disclosure: iTechGuides is reader-supported. Vendors can pay for top positions in our rankings and for a place on other products' pages, and we may earn a commission when you click some links. Bought places stand at the number bought; this page and our disclosure say so. Paying vendors may get a fuller, more detailed review from our editors, and that review can change their score. How we rank.

Last updated 7 Oct 2026 · How we research and update