Zilch is a buy now, pay later app that allows its customers to shop wherever Mastercard is accepted. Zilch’s users can keep track of all their purchases in one place – whether made online or in-store – ensuring they have a transparent view of their finances as well as their repayment timelines. Zilch also ensures responsible lending by combining Open Banking technology with soft credit checks to build a personalized affordability profile for each customer. Tap & pay-over-time is another step forward in Zilch’s mission to put their consumers in full control of their money and make life as convenient as possible.