The consumer payments platform powering the future of commerce

The future of commerce is being shaped by platforms that make money go further. Zilch is one of them.

As a leading consumer payments platform, Zilch is redefining how customers pay and how brands grow. Their mission is simple: to get rid of high-cost consumer credit and create a fairer, more flexible way to pay. Credit cards have barely changed since the 1950s, and today, interest and fees alone cost UK consumers over £40 million a day. Zilch is changing that.

For consumers, it means flexible ways to pay and meaningful rewards that make every transaction more valuable. For brands, it means direct access to a highly engaged, ready-to-spend audience, one that has driven over £5 billion in sales and continues to grow every month.

Now, with the launch of Zilch Intelligent Commerce, the platform is helping brands go even further. Powered by AI, this upgrade brings precision tracking, smarter targeting and stronger ROAS to every campaign, all on a performance basis.

Zilch

Who is the publisher?

Zilch is a consumer payments platform that connects people, brands and commerce in a smarter, fairer way. The company uses its proprietary technology to link brands with its five million-strong user base, helping them drive growth through personalised rewards, flexible payments and data-driven insights.

For consumers, Zilch combines multiple payment options into one seamless experience, allowing them to pay in full or spread payments while earning meaningful value through rewards. For brands, this means increased sales, better conversion rates and a direct line to a high-intent, high-frequency audience.

Which brands Zilch works best with

Zilch can be used anywhere Visa is accepted, meaning brands across every category can benefit. Its performance-driven model has already generated over £5 billion in consumer spending on groceries, department stores, food and drink, fashion, and travel.

The platform is growing rapidly, with 120,000 new customers joining every month. This scale gives Zilch a unique ability to help brands reach audiences across multiple touchpoints, whether the goal is to drive in-store conversions, boost online transactions or improve long-term retention.

Zilch

Who’s already on board

Zilch works with more than 5,000 brands across the UK and beyond, giving every type of retailer the chance to tap into its Intelligent Commerce network.

Brands already seeing strong results include Tesco, Morrisons, Viator, Pets at Home, Hotel Chocolat and Papa Johns. Each partnership focuses on different goals, from in-store spend to digital conversion, but all share a common outcome: better efficiency and higher ROAS.

Viator, for example, said:
“Working with Zilch through Intelligent Commerce gives us access to data we couldn’t access through traditional click tracking, such as loyalty levels and smart targeting opportunities based on spending. We were able to access historic data to forecast performance and use as a benchmark to monitor growth over time, making the move to Intelligent Commerce an easy decision.”

What makes Zilch stand out?

On the Zilch platform, customers aren’t just browsing, they’re buying. Zilch users are highly active, logging into the app around 25 times a month and shopping about 10 times per month. The most engaged users shop over 300 times a year, giving Zilch a uniquely engaged, purchase-ready audience that brands can confidently activate.

Zilch also powers the full funnel, from discovery to checkout, through the Zilch card. This ensures 100% tracking accuracy both online and in-store, unlocking rich insight and precise targeting. The result is smarter, more efficient growth and measurable performance across every campaign.

What pain points do they solve for brands?

Brands today face increasing pressure to do more with less. Zilch helps solve that challenge through Intelligent Commerce, the company’s AI-powered solution that combines accurate tracking, audience insight and spend optimisation.

By using first-party data and performance-based targeting, Zilch allows brands to reach real customers at the point of purchase, improving efficiency and driving measurable ROI. Partners can also use Zilch’s advertising credits on a CPA basis to stretch budgets further and unlock additional value without increasing spend.

How have they generated results for brands?

Through Intelligent Commerce, Zilch has helped some of the UK’s best-known brands achieve strong and sustainable growth.

A national grocer saw a 55% uplift in average customer spend and a 15% increase in market share.
A food delivery partner generated 76% of sales from new customers.
A leading travel brand boosted new customer sales by 52% and saw a 134% uplift in average order value.
Since the launch of Intelligent Commerce, brands have reported 20 to 50% higher ROAS, powered by Zilch’s automated AI optimisation.

How can brands partner with Zilch?

For brands looking to boost performance and drive measurable growth, Zilch offers a low-barrier, high-impact way to do it.

Brands can get started quickly by reaching out to [email protected], and every partnership is designed to deliver performance-based value. Whether the goal is to increase conversions, reach new audiences or improve efficiency, Zilch’s Intelligent Commerce gives brands the tools and data to make it happen.

Why they're "One Step Ahead"

The Bottom Line: Smarter payments, stronger performance

Zilch is redefining how payments, data and marketing work together to drive performance. With its Intelligent Commerce upgrade, brands can now track, target and convert customers with precision, unlocking measurable growth and higher efficiency across every channel.

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