Your default purchase setting is how you'll pay for your Zilch purchases when you don't enable your card in the app first. For example, if you use Tap and Pay on the go, your payment will go through based on your default purchase setting.

Any purchase you make without coming to the app will count as a Zilch Anywhere purchase, and any Pay over 6 weeks purchase made this way will have a £3 fee. Pay now doesn't have any fees and you'll earn 0.5% Rewards.

Yes, you can change your default purchase setting at any time in the Zilch app:

You'll always get lower fees and higher Rewards if you enable your card in the app first. We list thousands of stores, and we'll always check how you want to pay so you can choose what payment method suits you best for every purchase.

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