Zilch, the London-headquartered consumer payments platform and EMEA's fastest-growing fintech unicorn, announced milestone product developments at its inaugural Zilch Summit in London. The event gathered over 150 leading retailers, technology, and industry experts to unveil Zilch Intelligent Commerce, an AI-powered data intelligence platform that boosts return on ad spend (ROAS), and Zilch Pay, a one-click checkout solution launching in H1 2026. Celebrating its fifth anniversary, Zilch has reached 5 million registered customers, processed nearly half a billion payments, and generated over £5 billion in Gross Merchandise Value (GMV).
Zilch Intelligent Commerce leverages the platform's comprehensive first-party data—tracking 100% of customer journeys online and offline—to deliver predictive insights based on shopping habits across thousands of merchants. The AI agents automate targeting, timing, and offers, optimizing campaigns in real time. Philip Belamant, CEO and Co-Founder, said, “Once you’ve seen a Zilch agent pause, rework targeting based on live conversion data, and reallocate budget to maximise performance, the old way of manual campaign management feels archaic.”
Beta trials demonstrate impact: a major grocer saw 55% average customer spend increase, another gained 15% market share and 40% higher order values in 30 days, and a global travel brand exceeded annual acquisition targets in six months with 52% new customers from Zilch. Andreas Andreou, Chief Revenue Officer, noted, “Zilch Intelligent Commerce is setting a new benchmark for retail performance... In a world rapidly moving toward agentic commerce, this capability isn’t just an advantage, it’s essential.”
Launching in H1 2026, Zilch Pay introduces a one-click button at checkout, connecting the app, digital wallet, and card for frictionless payments. This enhances consumer experiences while reducing cart abandonment for brands, aligning with Zilch's mission to eliminate high-cost credit through flexible, rewarding options.
Zilch's innovations address £15B in UK high-cost credit and 59% consumer dissatisfaction with non-personalized ads. With £400M securitized debt from Deutsche Bank and profitability since July 2024 (£100M revenue run rate), the company eyes IPO amid Klarna's 15% NYSE debut surge. Partnerships with AWS, Visa, and lastminute.com for Zilch Travel further its ecosystem.
Zilch's launches position it as a leader in ad-subsidized payments, rewiring commerce economics for consumers and retailers in a $2T+ global market.
Zilch is the London-headquartered consumer payments platform making money go further. Launched in 2020 with a mission to eliminate high-cost credit, Zilch offers a new type of payments experience combining flexible ways to pay with meaningful rewards, putting consumers in control of their finances while bringing them closer to the brands they love.
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