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How do I make a purchase using Zilch?
How do I make a purchase using Zilch?
Ready to step up your spending experience? Read on for how to pay online and in-store using Zilch
Z
Written by Zilch Support
Updated over a week ago

Welcome to empowered spending with Zilch. Our game plan is to give you total freedom over how you pay (and give you some sweet rewards, too).

Choose whether to Pay in 4* and split the cost of payment over a six-week period – you’ll still need to pay 25% (plus any fees) upfront and the purchase will need to fall within your credit limit. Or you can opt to Pay in 1 and get up to 5% back in Zilch Rewards.

*18.1% APR representative

How do I shop online with Zilch?

First things first, before you start shopping, you need to enable your Zilch card. It’s super easy. Just follow the steps below:

  • Open the Zilch app

  • Choose a store via the storefront or search bar

  • Choose whether you want to Pay in 4 or Pay in 1

  • Click Enable card

  • Tap your Zilch card to copy your card details over to the checkout

  • Start shopping

It’s that simple.

How do I shop in-store with Zilch?

If you want to shop in-store, you need to enable Zilch Anywhere. Follow the steps below to do this:

  1. Open the Zilch app

  2. Select Zilch Anywhere

  3. Click Shop in-store

  4. Choose your default payment method, either Pay in 4 or Pay in 1

  5. Tap and Pay – and done!

What if I can’t find the retailer I want?

Got a store in mind to shop at but can’t see it on our storefront? Don’t panic, you can still use Pay in 4 or Pay in 1 to shop. Simply follow the steps below:

  1. Open the Zilch app

  2. Select Zilch Anywhere

  3. Choose to Pay in 4 or Pay in 1

  4. Click Enable card

  5. If you’re shopping online, tap your Zilch card to copy your card details over to the checkout or Tap and Pay if you’re shopping in-store

  6. You’re ready to checkout.

Things to remember…

To keep your shopping process smooth and enjoyable, there are a couple of things that you should bear in mind.

  • Your digital wallet payment method is automatically set to Pay in 1. You can switch to Pay in 4 via Settings in the app.

  • Any purchase amounts under £10 will automatically default to Pay in 1, even if you’ve opted to Pay in 4.

  • Can’t find the store you’re looking for? Try Zilch Anywhere. Please note that using Zilch Anywhere or shopping with a non-participating retailer in-store incurs a fee of £2.50*.

*APR 18.1%.
Spend responsibly, spending more than you can afford could seriously affect your financial status. Credit subject to status, 18+, UK residents only. Representative APR 18.1% (fixed) based on total spend: £240 (+£2.50 fees). Total repayable: £242.50 paid over 6 weeks, 1st payment £62.50, then 3 payments of £60.00 every 2 weeks. T&Cs apply

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