Visa, Zilch and Thredd Collaborate to Introduce Visa Flexible Credential on Zilch Cards in the UK

Published: 2026-05-12 12:36:19 ET V

Published on 05/12/2026 at 12:36 pm EDT

Visa, Zilch and Thredd announced the introduction of Visa Flexible Credential on Zilch cards in the UK, enabling more flexible ways to pay through a single, familiar card experience. Visa Flexible Credential is designed to support this shift, helping issuers offer more choice through one familiar card that already works at more than 150 million merchant locations worldwide. The new capability allows different payment options to sit behind one card or digital credential, giving cardholders greater choice and control while preserving the familiarity of tapping or paying as they always have.

Visa Flexible Credential is designed to support evolving expectations while preserving the simplicity, security and trust of card payments. By bringing together Visa?s network capabilities, Zilch?s customer-focused proposition and Thredd?s issuer processing platform, the collaboration demonstrates the power of partnerships to deliver new experiences at scale. For Zilch users, the launch supports a smoother, more unified payment experience, with options handled seamlessly in the background and no need to manage multiple cards or credentials.

Thredd plays a key role in enabling Visa Flexible Credential, supporting routing and processing behind the scenes and helping issuers and fintechs bring the capability to market efficiently. The Visa Flexible Credential solution will initially be available for Zilch customers in the UK, with potential for broader expansion in the future.