Side by side
Katapult vs Zilch
Both stand on buy now, pay later platforms. Which one you can start free with, which one lets you read the code, and what each costs once you pay.
Paid AndroidAPIiPhone+1
Retailers seeking lease-to-own checkout across supported online platforms and store locations may find Katapult a fit, especially if next-day settlement and upfront retailer payment matter. Its consumer service has state exclusions, and retailers need to request pricing to assess cost.
Visit Katapult Free plan AndroidiPhoneWeb
Zilch combines payment choices and Rewards with an app and card, while eligibility and fees apply to credit and some payment options. Compare the plan details and repayment terms with your needs before choosing.
Visit ZilchThe facts
| Katapult | Zilch | |
|---|---|---|
| Free plan | Not published | Yes |
| Open source | Not published | Not published |
| Runs on | Android, API, iPhone, Web | Android, iPhone, Web |
| Lowest paid plan | Not published | Zilch Extra: £2.99 a month |
| Plans published | None | 3 |
| Maker | Not published | Not published |
| Website | katapult.com | zilch.com |
| On buy now, pay later platforms | #20 of 26 | #16 of 26 |
Katapult: what it does well
- Supports online, in-store, and omnichannel checkout.
- Repayments can be weekly, bi-weekly, semi-monthly, or monthly.
- Retailers receive upfront payment; settlement is next day.
- No late or insufficient-funds fees on leases.
- Offers plugins, JavaScript, direct API, and in-store integration.
What to know first
- Pricing is available on request.
- Consumer service is unavailable in Minnesota, New Jersey, Wisconsin, and Wyoming.
Zilch: what it does well
- Payment options include 6-week and 3-month terms.
- Works wherever Mastercard is accepted.
- Apple Pay and Google Pay supported.
- Rewards can be used toward purchases.
- Live chat and phone support are available.
What to know first
- Credit is limited to eligible UK residents aged 18 or over.
- Standard is in-app only.
- Standard has a £4.99 card fee.
- Advance carries a £3 processing fee.
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