Riverty vs Zilch
Riverty
riverty.comZilch
zilch.comSide by side
| Figure | Riverty | Zilch |
|---|---|---|
| Price from | Free | £2.99/mo |
| Free plan | Yes | Yes |
| Free trial | — | — |
| Open source | — | — |
| Web | Yes | Yes |
| iOS | Yes | Yes |
| Android | Yes | Yes |
| API | Yes | — |
| Plans published | 8 | 3 |
| Spec score · Buy Now, Pay Later Platforms | 8.4 (#3) | 7.7 (#16) |
| Customer support | Riverty says its customer service team handles payment-related BNPL support, while its help page routes consumers by country. | Zilch offers support seven days a week by in-app live chat from 9am to 6pm and by phone from 9am to 5pm. |
| Founded | 2022 | 2018 |
| Regulation | Riverty describes itself as a BaFin-regulated payment institution and says it maintains regulatory compliance in the European markets where it operates. | Zilch Technology Limited says it is authorised by the Financial Conduct Authority for payment services and is authorised and regulated by the FCA. |
| What it does | Riverty is an online payment provider offering buy-now-pay-later, debt collection, accounting, parking and public-transport payment services. | Zilch offers flexible ways to pay, Rewards and credit to consumers through its app and card. |
Plans
Riverty
- PauseFree
- 14/30-day invoicePriced on request
- Direct debitPriced on request
- Fixed installmentsPriced on request
- FlexPriced on request
- Monthly invoicePriced on request
- Pay in 3Priced on request
- Riverty Buy Now, Pay LaterPriced on request
In their own words
Zilch
Zilch is a consumer payment app and card offering ways to pay, Rewards and credit. Customers can pay immediately, spread payments over six weeks or pay over three months, subject to eligibility and fees; listed repayment terms also include six and 12 months. Zilch advertises credit from £50 to £4,500, subject to status. Its app works wherever Mastercard is accepted, and customers can add it to Apple Pay or Google Pay. Rewards can be earned on Pay now purchases and used toward purchases. Standard is free, offers up to 5% Rewards in-app and has a £4.99 card fee. Extra costs £2.99 per month and includes a physical card; Plus costs £4.99 per month, includes a physical card and lists different Rewards rates by purchase type. Eligible Extra or Plus customers may borrow up to £100 through Advance for a £3 processing fee; eligibility requires connecting a bank account. Zilch is available on Android, iOS and web. It says credit is for UK residents aged 18 or over and subject to status.