Zen Payments Review

July 26, 2022

Zen Payments is a merchant service provider for high-risk merchants. It offers high-risk credit card processing and other payment solutions for different industries.

Below is an overview of merchant services offered by Zen Payments:

  • Merchant accounts
  • Payment gateway and virtual terminal
  • Payment processing of credit cards, debit cards, e-checks, and e-wallets

  • Multi-currency payment processing
  • PCI-DSS compliance
  • Fraud and chargeback prevention

Zen Payments Merchant Services

High-Risk Merchant Accounts

Merchant accounts are one of the primary services of Zen Payments. It has relationships with 15 banks and processors. This allows them to find the best processor for merchants. This includes those considered high-risk. The company also works to reduce the risk of account closure by going through a strict underwriting process.

With a merchant account, businesses can avail of other services like payment gateway and credit card processing.

Payment Gateway and Virtual Terminal

image of zen payments payment gateway and virtual terminal

Zen Payments offers payment gateway integrations for merchants. Options are NMI, Authorize.Net, PayPal PayFlow Pro, USAePay, and Cybersource.

Merchants can also take advantage of the company’s virtual terminal. It allows them to accept orders online, via phone, via email, and other virtual payment methods.


For retail merchants with in-person transactions, Zen Payments provides physical processing terminals. Merchants can choose between options, from countertop terminals to mobile terminals. They can also integrate their existing smartphones or tablets with these POS systems.

Payment Processing

The company’s payment gateway and virtual terminal are capable of credit card processing. This applies to online, virtual, or in-person orders. Major credit card companies are accepted, such as Visa, MasterCard, American Express, and Discover. Pin-based debit cards are accepted as well. Benefits of this payment method include free terminals, quick fund transfers, and affordable rates.

Apart from credit cards, merchants can also accept and process electronic checks, loyalty and gift cards, and e-wallets. Alternative payment methods include Google Pay, Apple Pay, and EBT cards.

The company’s payment processing service is not limited to local currencies. Merchants can accept multi-currency payments like USD, Euros, British Pounds, and more.

E-commerce Integrations

The payment gateway integrates with existing e-commerce platforms. These include major shopping carts like WooCommerce, Shopify, BigCommerce, Chargebee, Chargify, GunBroker, Konnektive, Recurly, and Clickfunnels.

Chargeback Prevent and Fraud Protection

Zen Payments’ solutions and services are compliant with the PCI DSS guidelines. It also has chargeback protection programs to manage disputes and reduce chargeback losses. Although its website does not contain the details, it promises to give solutions specific to a high-risk industry.


Zen Payments Fees, Rates, and Pricing

Processing Fees

Zen Payments does not disclose its pricing terms online. Interested merchants can apply online or via a call to discuss services and rates.


Additional Fees

The same goes for additional fees for its payment gateway, terminals, early termination, and the like. It is unclear whether the company charges for these services. However, the company does guarantee the free set up of certain services.

Hidden Charges

Zen Payments guarantees no hidden fees. Either way, interested merchants should discuss its pricing terms in detail.

image of zen payments has no hidden fees

Zen Payments Complaints

Zen Payments has several merchant reviews. All are positive and do not include any complaints or negative feedback about the company.

Rip Off Reports

In that regard, there don’t seem to be any reports of rip-offs, scams, or fraud against Zen Payments.

Other Complaints

Likewise, there doesn’t seem to be any other type of complaint about the company.


Zen Payments BBB Rating

Zen Payments has been an accredited company by the BBB since 2019. It currently has an A+ rating.

BBB Reviews

Based on its BBB reviews, customers seem to agree with the BBB’s favorable assessment. The company has a 5-star rating based on 5 reviews.


Is Zen Payments Legitimate?

Zen Payments is a legitimate company based in Utah. It was established in 2017 by CEO, Taylor Stika. As seen on its website, the company specializes in a long list of high-risk merchants. It also showcases its partnerships with different banks, payment providers, payment technology companies, e-commerce platforms, and more.

Although relatively new in the industry, Zen Payments appears in several PR articles. It also has a favorable online reputation with several reviews across platforms. Its legitimacy and credibility are further proven by its BBB recognition and rating.


There are currently no reports of scams involving Zen Payments.


The same goes with lawsuits or any legally filed complaints.


Zen Payments Customer Reviews

image of zen payments customer reviews

Zen Payments has an impressive 5-star rating across all its customer reviews. This includes reviews from Google, the BBB, and other independent review sites.

In summary, customers praise the company for its knowledgeable agents, seamless application process, and expertise in getting high-risk merchant accounts approved. They also highlight the company’s robust payment solutions regardless of the business type or risk profile. Many of the reviews are from merchants in polarizing industries. Other notable testimonials are about its cost-effective rates and fast setup time.



Overall, Zen Payments seems to be a reliable and impressive company. Although it has only been around for a few years, it seems to be knowledgeable in merchant services. It can process various payment methods and currencies. It can also integrate with major e-commerce platforms. Its professionalism and credibility are further proven by its merchant reviews. Regardless of industry or risk profile, the company works to help interested merchants.

image of zen payments logo

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