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Founded Year



Series D | Alive

Total Raised




Mosaic Score
The Mosaic Score is an algorithm that measures the overall financial health and market potential of private companies.

+10 points in the past 30 days

About Zilch

Zilch is a company focused on financial services, specifically in the payment processing sector. Its main service involves providing a platform for users to make payments for various goods and services. It was founded in 2018 and is based in London, England.

Headquarters Location

123 Buckingham Palace Road

London, England, SW1W 9SH,

United Kingdom

020 3405 9775


Zilch's Product Videos


Zilch's Products & Differentiators

    Pay in 1

    Pay online or Tap & Pay anywhere in one and receive immediate cash back


Expert Collections containing Zilch

Expert Collections are analyst-curated lists that highlight the companies you need to know in the most important technology spaces.

Zilch is included in 5 Expert Collections, including E-Commerce.



10,766 items

Companies that sell goods online (B2C), or enable the selling of goods online via tech solutions (B2B).


Unicorns- Billion Dollar Startups

1,228 items


Digital Lending

2,368 items

This collection contains companies that provide alternative means for obtaining a loan for personal or business use and companies that provide software to lenders for the application, underwriting, funding or loan collection process.



12,502 items

Excludes US-based companies


Fintech 100

249 items

250 of the most promising private companies applying a mix of software and technology to transform the financial services industry.

Zilch Patents

Zilch has filed 5 patents.

The 3 most popular patent topics include:

  • banking technology
  • debit cards
  • interbank networks
patents chart

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Grant Date


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Latest Zilch News

Zilch launches Zilch Up

Oct 13, 2023

Zilch launches Zilch Up Friday 13 October 2023 09:17 CET | News UK-based Zilch has launched its new Zilch Up service, to provide more affordable credit via BNPL borrowing for usually excluded clients and to drive financial inclusion. Following this announcement, Zilch Up will be leveraged to provide financial services and products to clients and customers who are usually excluded from mainstream credit. The company is set to create access to credit for multiple individuals in order to build and optimise their financial profile safely and responsibly, without the need to pay for any interest. The launch of Zilch Up provides all the benefits of the company’s zero-interest, ad-subsidised borrowing, including the ability to improve customers’ credit scores. Clients will be enabled to access the needed tools to increase their credit limits as well. The credit limit starts as little as GBP 50, and the Zilch Up will offer users the same features as the Zilch classic suite of products, with a few important changes being designed in order for the target users to find the new service suitable for their needs. More information on Zilch Up Customers and users will have the possibility to pause credit and still leverage Zilch as a debit card, through the usage of the Pay Now option, while also earning rewards. In addition, they will have total control over what they can toggle in-app to Credit, and pay a first installment of 50%, while the rest of 50% remains payable over six weeks. Zilch Up was developed in partnership with UK-based credit referencing agencies (CRAs) and it focused on providing customers with the possibility to benefit from improved credit scores by spending on interest-free credit via BNPL borrowing. At the same time, Zilch Up aims to optimise the overall financial inclusion in the region, as well as create a more inclusive financial ecosystem that offers all the benefits of ad subsidised zero interest payments to all users. Clients will also soon be given the possibility to receive financial support in the form of credit coaching, as well as the ability to view their overall credit score in the Zilch application. Zilch’s recent strategy of development The payment technology company announced multiple partnerships and product launches in the last couple of months, covering several different geographic areas around the world. At the beginning of June 2023, Zilch launched its Ad-Subsidised-Payments-Network (ASPN) solution to third parties, through the use of its open APIs. Following this announcement, the proprietary ad-sales platform was set to deliver its solutions and products for retailer partners and customers, while also focusing on providing clients with more than USD 160 million in savings. This took place by using cashback, rewards, and interest-free credit, according to the press release published at the time. The company designed this tool in order to make it available through open APIs to any third-party application or card issuer that wanted to participate in its network. Collaborators and partners were given the possibility to access the network of dynamic commissions through the use of APIs, which was set to offer them new revenue streams outside of interchange, in a secure and efficient manner. Earlier in March 2023, Yapily , an Open Banking platform, announced its partnership with Zilch in order to provide improved overall access to 0% interest swift repayment credit. Throughout this collaboration, Zilch was set to leverage Yapily’s Open Banking platform and expertise to offer an optimized credit decisioning procedure to its clients and customers. Yapily aimed to enable Zilch to access an individual’s risk and affordability profile in a more accurate manner, compared to standard assessments. This focused on simplifying the customisation of financial choices that were given to Zilch’s clients and their financial conditions. In addition, the collaboration aimed to assist customers in their process of better managing their funds.

Zilch Frequently Asked Questions (FAQ)

  • When was Zilch founded?

    Zilch was founded in 2018.

  • Where is Zilch's headquarters?

    Zilch's headquarters is located at 123 Buckingham Palace Road, London.

  • What is Zilch's latest funding round?

    Zilch's latest funding round is Series D.

  • How much did Zilch raise?

    Zilch raised a total of $389.2M.

  • Who are the investors of Zilch?

    Investors of Zilch include eBay Ventures, Tech Nation Future Fifty, Gauss Ventures, Ventura Capital, dmg ventures and 6 more.

  • Who are Zilch's competitors?

    Competitors of Zilch include Tabby, Klarna, Motito, Afterpay, Fly Now Pay Later and 7 more.

  • What products does Zilch offer?

    Zilch's products include Pay in 1 and 2 more.


Compare Zilch to Competitors

Klarna Logo

Klarna provides financial services and social shopping solutions. The company offers a platform to compare prices on a wide range of products from various stores, enabling consumers to find the best deals. Its services are primarily used by consumers and retailers in the electronic commerce industry. It was founded in 2005 and is based in Stockholm, Sweden.

Sunbit Logo

Sunbit is a financing and payment platform. The company disrupts the process of financing in-store purchases for customers across the credit spectrum, including the unbanked or underbanked. It was founded in 2016 and is based in Los Angeles, California.

Butter Logo

Butter is a company that focuses on financial services in the ecommerce sector. It offers a service that allows customers to make online purchases and pay for them over time, including for items such as travel, fashion, tech, and home goods. The company primarily serves the ecommerce industry. Butter was formerly known as Awaymo. It was founded in 2017 and is based in London, England.

P develops tools to help small and midsize businesses (SMBS) and enterprises process payments. Its tools include payments, global acquiring, dashboards, authentification, and payment requests. It was founded in 2020 and is based in Limassol, Cyprus.

Oriente Logo

Oriente is a technology and data-science company that operates in the financial sector. The company offers fintech solutions that use AI, machine learning, and big-data analytics to provide real-time credit scoring, on-demand lending, POS financing, working capital, and other tailored financial solutions. These services primarily cater to underserved consumers and micro, small and medium enterprises (MSMEs) in emerging markets. It was founded in 2017 and is based in Hong Kong.


Nate is a fintech company that operates in the mobile application industry. The company's main service is a mobile app that allows users to consolidate their online shopping into a single private interface, enabling them to buy, gift, and save products from online stores, share shopping lists, and protect their payment information. The company primarily serves the ecommerce industry. It was founded in 2018 and is based in New York, New York.


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