Zilch is a UK-based fintech company offering buy now, pay later (BNPL) services. It provides an ad-subsidised payments network, allowing customers to make purchases with flexible payment options like "Pay Now" or spread payments over six weeks or three months. Zilch targets consumers and merchants, offering rewards and cashback through its virtual Mastercard. The unique selling proposition is its ad-subsidised model, which eliminates consumer credit costs by generating revenue from advertising, making it a cost-effective alternative to traditional credit options[1][4][5].