Zilch

Pay now lets you pay for your full purchase amount at checkout using your linked debit card.

When you use Pay now, Zilch takes the full purchase amount from your linked debit card straight away – make sure you have enough money available in your bank account before paying, otherwise your Pay now purchase may be declined.

You can earn up to 5% back in Zilch Rewards on eligible Pay now purchases. T&amp;Cs apply.

How much you earn depends on how you shop:

Zilch Standard customers earn up to 5% when they enable their card in the app before checkout, or up to 0.5% when they don't (for example when using Tap &amp; Pay or Anywhere).

Zilch Plus customers earn up to 6% when they enable their card in the app before checkout, or 1.5% when they don't.

To earn the highest Rewards, open the Zilch app and enable your card before you pay.

1. Zilch takes the full purchase amount from your linked debit card immediately
2. Your purchase is paid in full at checkout
3. You may earn up to 5% back in Zilch Rewards on eligible purchases
4. Your Rewards appear in the app instantly

For example, if you make a £50 purchase using Pay now, Zilch will take the full £50 from your linked debit card at checkout.

When you use Pay now, Zilch only takes the full purchase amount from your linked debit card. No additional Pay now fees are charged.

If you make a purchase under £10, it will automatically be processed as a Pay now transaction.

Yes. You can set Pay now as your default purchase setting in smart settings, so all purchases – including those over £10 – default to Pay now unless you choose otherwise.

Yes. You can use your Rewards balance to pay for part or all of a Pay now purchase. Any remaining amount will be taken from your linked debit card.

<b>Can I use my Rewards balance with Pay now?</b>

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<b>You might find these Help Centre articles useful:</b>

<a href="https://help.payzilch.com/en/articles/6607-how-do-i-refer-a-friend-to-zilch" rel="nofollow noopener noreferrer" target="_blank">How do I refer a friend?</a>

<a href="https://help.payzilch.com/en/articles/8191-is-zilch-free-to-use" rel="nofollow noopener noreferrer" target="_blank">Is Zilch free to use?</a>

<a href="https://help.zilch.com/en/articles/161669-what-are-smart-settings">What are smart settings?</a>

- <a href="https://help.payzilch.com/en/articles/6607-how-do-i-refer-a-friend-to-zilch" rel="nofollow noopener noreferrer" target="_blank">How do I refer a friend?</a>
- <a href="https://help.payzilch.com/en/articles/8191-is-zilch-free-to-use" rel="nofollow noopener noreferrer" target="_blank">Is Zilch free to use?</a>
- <a href="https://help.zilch.com/en/articles/161669-what-are-smart-settings">What are smart settings?</a>

Pay for your purchase up front and earn Rewards.

What is Pay now?

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What is Pay now?

How much can I earn with Pay now?

How Pay now works

Is there a fee for Pay now?

Transactions under £10

Can I set Pay now as my default?

Can I use my Rewards balance with Pay now?