Buy Now Pay Later (BNPL) firm Zilch will partner with Visa to launch its first physical card, as it looks to accelerate growth by tapping into consumers’ in-store spend.

Already working with retailers including adidas, eBay and Iceland to offer flexible BNPL repayments to shoppers, Zilch currently offers a virtual app-based or mobile wallet card. While its virtual cards can be used in-store as well as online, Zilch found almost 80% weren’t regularly using mobile wallets in physical retail destinations.

Launching in September 2025, the move aims to give flexibility to those shoppers who prefer the assurance of a physical card, while tapping into customers’ store spending to drive more transactions.

The multi-year partnership with Visa will allow Zilch users to transact with their physical or mobile-wallet cards across Visa’s global network of 150million+ merchant locations, advancing its international footprint. It will also accelerate Zilch’s payment experiences, widening customer-focused benefits across ad-enabled deals, discounts and cashback opportunities.

“By partnering with Visa, we’ve plugged our AI-driven engine into a network that touches over 150million merchants worldwide,” said Philip Belamant, CEO of Zilch.

“FinTechs are shaping the future of commerce,” Mandy Lamb, MD UK&I at Visa, added. “We’re proud to support UK unicorns, such as Zilch, with their growth ambitions as they provide innovative services to consumers and businesses, while driving financial inclusion through their core offering.”