Zilch review
Zilch combines six-week instalments, longer monthly terms, and omnichannel checkout.
Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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.
Zilch pros and cons
- 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.
Zilch fact sheet, pricing and score →
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