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Zilch

ZILCH

CEO: PHILIP BELAMANT FOUNDED: 2018

has disrupted the market with its direct-to-consumer approach, allowing users to pay over time anywhere Mastercard is accepted. This bypasses the need for individual merchant integrations, giving users unparalleled freedom. Its success is driven by an ad-subsidised model – instead of charging high interest, it generates revenue through affiliate marketing and advertising. This innovation has made Zilch one of Europe’ s fastest-growing unicorns, particularly favoured for its‘ Pay in 1’ feature which offers cashback, incentivising responsible spending over debt. Philip Belamant CEO Zilch

WATCH NOW Zilch— spend with benefits

40 July 2026