Zeno Payments Overview

June 6, 2022

Zeno Payments is a merchant service provider for collection agencies and high-risk merchants in the US. It highlights its low processing rates and payment portal options as primary benefits for such businesses.

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

  • Merchant accounts for collection agencies and high-risk merchants
  • Payment gateway
  • Credit card and debit card payment processing
  • ACH and e-check payment processing
  • Payment portal and system integrations


Zeno Payments Merchant Services

Merchant Accounts

Zeno Payments offers merchant accounts and services for collection agencies and high-risk industries. It handles the entire application process alongside its network of partner banks. It works to provide an easy process and the lowest possible rates for different industries. The company claims to offer a full-service merchant account with a payment gateway, payment processing options, and online portal integrations.

Payment Gateway

Once a merchant account is approved, Zeno Payments will connect a merchant’s website to its payment gateway. It will enable merchants to process payments. It also comes with an online portal, a free virtual terminal, and comprehensive reports.


Zeno Payments can also integrate a merchant’s payment gateway of choice.

Payment Processing

With a merchant account and payment gateway, merchants can accept credit card and debit card payments. This includes Visa, MasterCard, American Express, JCB, Diners Club, Discover, debit cards, private label cards, and PIN transactions.

Apart from card payments, merchants can also accept e-check payments through the ACH network. Payments are direct bank-to-bank transfers from customers to merchants.

Payment Portal and System Integrations

Zeno Payments offers two payment portal options for merchants. One is a basic portal that comes with a merchant account. It allows merchants to process single payments. The second option is a more customized portal with real-time features. It allows merchants to set up recurring payment plans, view current balances, and more.

Apart from these options, collection agencies can also opt to integrate services into their existing system. This includes collection software like Debt Master, Ontario Facs, Pamar, DebtNet, CUBS, SQL, and more.


Chargeback and Fraud Prevention

Zeno Payments claims to offer secure payment processing. However, it does not mention the exact security tools and features equipped with its system.


Zeno Payments Fees, Rates, and Pricing

Processing Fees

Zeno Payments does not disclose its processing fees on its website. However, it claims to offer the lowest possible rates thanks to its bank partnerships.

Additional Fees

Similarly, Zeno Payments does not mention exact fees for its payment systems and services. It is also unclear whether the company charges an early termination fee.

Hidden Charges

There are currently no testimonials about Zeno Payments charging hidden fees. However, given that the company is not transparent with its fees, it is best to discuss pricing in detail with the company.


Zeno Payments Complaints

Zeno Payments does not seem to have any reviews from merchants. In that regard, there are currently no complaints about the company.

Rip Off Reports

Likewise, there don’t seem to be any complaints related to being ripped off or scammed by Zeno Payments.

Other Complaints

The same goes for all types of complaints.



Zeno Payments BBB Rating

Zeno Payments is not an accredited company by the BBB.

BBB Reviews

The company does not have any BBB reviews, nor does it have a BBB profile page.


Is Zeno Payments Legitimate?

Zeno Payments is a legitimate company based in Washington. According to online research, it claims to have extensive knowledge of the debt collection industry. Its team is composed of experienced professionals with over 60 years of combined experience in IT services for collection agencies. This includes a collection of software developers, programmers, and website designers. The company is currently managed by president Kris Munroe.

Apart from its website, Zeno Payments has a limited online presence. It is featured on a few independent review sites that discuss the company’s services. Other than that, it does not have any testimonials from merchants.


Zeno Payments does not seem to be involved in any official reports of scams or fraud.


Likewise, there are no lawsuits or legal complaints against Zeno Payments.


Zeno Payments Customer Reviews

Zeno Payments is featured on two independent review sites that rate companies based on complaints and credibility. One gave it a 5-star rating, while the other gave it a 3-star rating. They both confirm the company’s clean track record.


Other than that, Zeno Payments does not seem to have any reviews or testimonials from previous or existing merchants. The company has one unverified review with a 3-star rating, but it does not include any experiences with the company.



Overall, Zeno Payments seems to be a company worth considering for collection agencies. Its specialized solutions include payment gateways and portals that are specific to the needs of this industry. While the lack of merchant reviews may be a concern for interested merchants, it does not automatically point to the company’s inexperience or lack of credibility. As such, it is best to contact Zeno Payments directly for a more detailed discussion of its services and capabilities.

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