Zilch prepares the launch of Zilch Paya one-click payment functionality expected for the first half of 2026. With this product, the British fintech wants to find a significant place in a market dominated by Amazon and Apple Pay, while express checkout is establishing itself as a standard in European e-commerce.
The group relies on a base of more than 5.3 million customers, some of whom use Zilch several dozen times per year. This frequency of use allows the company to test simplified journeys with users already familiar with its interface. The objective is to integrate one-click payment into a model combining payment flexibility, rewards and direct connection to brands.
Zilch deploys this strategy in a context of consolidation of online payment. Amazon is strengthening One-Click in several regions and Apple is expanding Apple Pay Capture as well as Pay Later on major merchant platforms. In this competitive context, Zilch is banking on Smart Commercean AI-powered analytics engine that transforms engagement data into signals that merchants can use in real time. This technological base should make it possible to supply Zilch Pay with behavioral data already integrated into user journeys.
The group claims several thousand connected merchants, including Amazon, Tesco, eBay and Sports Direct. The company thus aligns payment, rewards and data marketing in the same infrastructure, with the desire to offer a transactional tool that can be integrated by brands without major modification of their existing architecture.
Founded in 2020 by Philip Belamant and Sean O’ConnorZilch who raised more than 806 million euros since its creationhas just completed a new financing of 150 million euros ($176.7 million) in debt and equity. The round is led by KKCG, with participation from BNF Capital and additional strategic investors. The transaction includes the expansion of its securitization led by Deutsche Bank. The funds are intended to strengthen the brand’s visibility through ATL investments, continue product development and examine M&A opportunities. The company claims to have processed over £5 billion in merchant volume since its launch.
