Zilch: UK 2026 Pricing & Fee Calculator
Zilch is a UK BNPL provider that works through its own Mastercard-linked app, so customers can use it almost anywhere. Direct-merchant commission is agreed per partner.
What Zilch charges
| Fee | Rate |
|---|---|
| Who pays the fee | The merchant (you), not the shopper |
| Merchant fee (direct partners) | Quote-based (typically a few percent) |
| Via Zilch card | Paid like a normal card transaction |
| Shopper cost | Pay in 4 interest-free, or pay now |
How the fees work
Zilch can be used two ways: customers can pay with the Zilch app anywhere Mastercard is accepted (in which case you receive a normal card payment), or you can integrate Zilch directly as a checkout partner. Direct-partner commission is negotiated rather than published, so the 4% here is a representative estimate.
Zilch funds much of its proposition through advertising and commission from partner brands. Confirm current merchant terms directly with Zilch for a direct integration.
Check the official pricing
Fees change. Confirm the current rate at Zilch.