Zilch

Zilch is a London-headquartered "buy now, pay later" and ad-subsidised payments network founded in 2018, and one of the United Kingdom's most prominent BNPL brands. Rather than integrating at each retailer's checkout, Zilch is deliberately merchant-agnostic: consumers apply in the Zilch mobile app, receive a virtual (and physical) Mastercard, and can Pay-in-3, pay over six weeks, or Pay-now-and-earn-cashback anywhere Mastercard is accepted, online or in-store, through Apple Pay and Google Pay wallets. Because Zilch reaches merchants over the open Mastercard card rails and relies on partners such as Mastercard for card issuing and Checkout.com as its payments processor, it does not operate a public merchant-integration or developer platform the way a PSP or open-banking provider does. As of this review Zilch publishes no developer portal, no API reference, and no downloadable OpenAPI/Swagger specification; its public surface is a consumer marketing site, a help centre, and a customer sign-up/login app. This profile therefore records Zilch's verified public web properties honestly and carries no API entries, because none are publicly documented.

Zilch is profiled on the APIs.io network. Tagged areas include Payments, United Kingdom, BNPL, Buy Now Pay Later, and Consumer Credit.

Zilch’s developer surface includes engineering blog, product news, signup flow, and 13 more developer resources.

🌐 Visit website 📡 Source on GitHub

23.3/100 emerging ▬ flat Agent 7/100 human only Full breakdown ↓
scored 2026-07-27 · rubric v0.5

0 APIs

PaymentsUnited KingdomBNPLBuy Now Pay LaterConsumer CreditDigital WalletCardMastercardFintech

Kin Score

Kin Score How this is scored →
scored 2026-07-27 · rubric v0.5

Composite quality — 23.3/100 · emerging

Contract Quality 0.0 / 25

Developer Ergonomics 1.3 / 20

Commercial Clarity 8.4 / 20

Operational Transparency 1.4 / 13

Governance 0.0 / 12

Discoverability 6.8 / 10

Agent readiness — 7/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 15

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 4 / 4

Consent & Bot Identity 3 / 3

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/zilch: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Get Started 2

Portal, sign-up, and the first successful call

SignUp

SignUp

Login

Agent Surfaces 2

MCP servers, agent skills, and machine-readable catalogs

WellKnown

WellKnown

LLMsTxt

LLMsTxt

Access & Security 5

Authentication, authorization, and security posture

Compliance

Compliance

SecurityTxt

SecurityTxt

VulnerabilityDisclosure

VulnerabilityDisclosure

Security

Security

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

HelpCenter

HelpCenter

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 3

The organization behind the API

Website

Website

Blog

Blog

News

News

Other 1

Properties that don't map to a standard resource type

Merchants

Merchants

Source (apis.yml)

aid: zilch
url: https://raw.githubusercontent.com/api-evangelist/zilch/refs/heads/main/apis.yml
name: Zilch
kind: company
description: 'Zilch is a London-headquartered "buy now, pay later" and ad-subsidised payments network founded in 2018, and
  one of the United Kingdom''s most prominent BNPL brands. Rather than integrating at each retailer''s checkout, Zilch is
  deliberately merchant-agnostic: consumers apply in the Zilch mobile app, receive a virtual (and physical) Mastercard, and
  can Pay-in-3, pay over six weeks, or Pay-now-and-earn-cashback anywhere Mastercard is accepted, online or in-store, through
  Apple Pay and Google Pay wallets. Because Zilch reaches merchants over the open Mastercard card rails and relies on partners
  such as Mastercard for card issuing and Checkout.com as its payments processor, it does not operate a public merchant-integration
  or developer platform the way a PSP or open-banking provider does. As of this review Zilch publishes no developer portal,
  no API reference, and no downloadable OpenAPI/Swagger specification; its public surface is a consumer marketing site, a
  help centre, and a customer sign-up/login app. This profile therefore records Zilch''s verified public web properties honestly
  and carries no API entries, because none are publicly documented.'
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Payments
- United Kingdom
- BNPL
- Buy Now Pay Later
- Consumer Credit
- Digital Wallet
- Card
- Mastercard
- Fintech
created: '2026-07-24'
modified: '2026-07-24T18:00:00Z'
specificationVersion: '0.19'
apis: []
common:
- type: Website
  url: https://www.zilch.com/uk/
- type: HelpCenter
  url: https://help.zilch.com/en/
- type: Blog
  url: https://www.zilch.com/uk/thegreen/
- type: News
  url: https://www.zilch.com/corporate/news/
- type: Merchants
  url: https://www.zilch.com/uk/retailers/
- type: SignUp
  url: https://customers.payzilch.com/apply/
- type: Login
  url: https://customers.payzilch.com/login/
- type: Compliance
  url: https://www.zilch.com/uk/compliance/
- type: TermsOfService
  url: https://www.zilch.com/uk/terms-of-service/
- type: PrivacyPolicy
  url: https://www.zilch.com/uk/privacy-notice/
- type: SecurityTxt
  url: well-known/zilch-security.txt
- type: WellKnown
  url: well-known/zilch-well-known.yml
- type: VulnerabilityDisclosure
  url: security/zilch-vulnerability-disclosure.yml
- type: Security
  url: https://www.zilch.com/.well-known/security.txt
- type: DomainSecurity
  url: security/zilch-domain-security.yml
- type: LLMsTxt
  url: llms/zilch-llms.txt
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com