Founded in 2018 by Philip Belamant, Zilch is a direct-to-consumer payments and BNPL provider headquartered in London, UK. The company's mission is to provide a more responsible and accessible way for consumers to manage their finances by eliminating high-cost credit. Zilch offers a virtual Mastercard that enables users to pay for goods and services either in full to earn rewards or to split the cost over six weeks with no fees or interest. The company is regulated by the Financial Conduct Authority (FCA) and has expanded its services from the UK to the US.

Founded in

United Kingdom