Tabby vs Zilch

Tabby is a money app for spending, sending, saving and managing flexible payments. Eligible shoppers can split purchases into four interest-free payments with no fees, or choose up to 12 monthly payments; any service fee is shown at checkout. The app also provides deals and coupon codes, price comparisons, price-drop tracking and upcoming-payment management. Tabby Cash offers a spending account and transfers without transfer fees. The Tabby Card page advertises up to 40 days to pay, payment plans up to eight months and 5% cashback on top categories; the Cash Card advertises up to 3% cashback on top categories. Businesses can offer Tabby online, in-store, through payment links or with Tabby Card, with scheduled payouts upfront minus applicable fees. Ecommerce integrations and a custom API are available. Tabby says it serves Saudi Arabia, the UAE and Kuwait. Pay Later eligibility requires customers to be at least 18, have a valid national ID and linked debit or credit card, and have a good credit history. The free Pay in 4 plan is free; pricing for other services is on request.

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.