Consumer payments platform Zilch has secured a payments services licence from the Financial Conduct Authority (FCA), allowing it to bring more payment methods and products in-house and innovate faster, including around emerging technologies like stablecoins.

The licence follows two significant product launches – Zilch Pay, due to go live in H1 2026 with a one-click checkout to capture more consumer spend; and Intelligent Commerce, an AI-powered platform turning live engagement data into real-time insights.

With FCA authorisation, the London-based FinTech gains earlier access to regulatory roadmap discussions, product testing and deeper commercial partnerships.

The company has also secured Principal Membership of Visa and recently raised over $175 million in debt and equity, as well as becoming the Official Way to Pay for Arsenal FC.