Zilch
Zilch’s vision is to eliminate the cost of consumer credit. For good.
Zilch is a multi award-winning direct-to-consumer ad-subsidised payments network. Leveraging its unique vertically integrated, first party data business model to set itself apart from the incumbent fintech industry with a profitable global revenue source, bringing unrivalled value to customers and marketers alike. Today Zilch is revolutionising the $50 trillion advertising and payments industries by merging the very best of debit, credit, and savings.
Zilch provides millions of customers the freedom to go anywhere in the world (online or offline) and when they pay, earn up to 5% cashback & rewards on debit payments (‘Pay Now’) or spread interest-free credit repayments over six weeks (‘Pay in 4 over 6 weeks’) and in the process help build their credit profiles with the major credit agencies. Within 36 months since launch in 2020, Zilch amassed more than 3.5 million registered customers.
With the launch of its proprietary Ad-Subsidised-Payments Network (ASPN), Zilch allows retailers worldwide instant connection with millions of Zilch’s first-party data, closed loop network of high intent customers. Offering customers personalised savings, deals and discounts codified to their habitual spend.
In January 2023, Zilch struck a ground-breaking reporting agreement with the UK’s prime credit reference agencies, transforming the UK lending ecosystem by enabling 50m+ adults to build their credit records using interest-free credit rather than high-cost revolving credit products.
Since April 2020, Zilch has been regulated by the Financial Conduct Authority (FCA), obtaining a consumer credit licence through the Regulatory Sandbox Programme.
Zilch is a multi award-winning direct-to-consumer ad-subsidised payments network. Leveraging its unique vertically integrated, first party data business model to set itself apart from the incumbent fintech industry with a profitable global revenue source, bringing unrivalled value to customers and marketers alike. Today Zilch is revolutionising the $50 trillion advertising and payments industries by merging the very best of debit, credit, and savings.
Zilch provides millions of customers the freedom to go anywhere in the world (online or offline) and when they pay, earn up to 5% cashback & rewards on debit payments (‘Pay Now’) or spread interest-free credit repayments over six weeks (‘Pay in 4 over 6 weeks’) and in the process help build their credit profiles with the major credit agencies. Within 36 months since launch in 2020, Zilch amassed more than 3.5 million registered customers.
With the launch of its proprietary Ad-Subsidised-Payments Network (ASPN), Zilch allows retailers worldwide instant connection with millions of Zilch’s first-party data, closed loop network of high intent customers. Offering customers personalised savings, deals and discounts codified to their habitual spend.
In January 2023, Zilch struck a ground-breaking reporting agreement with the UK’s prime credit reference agencies, transforming the UK lending ecosystem by enabling 50m+ adults to build their credit records using interest-free credit rather than high-cost revolving credit products.
Since April 2020, Zilch has been regulated by the Financial Conduct Authority (FCA), obtaining a consumer credit licence through the Regulatory Sandbox Programme.