4778 N 300 W Suite 150, Provo, UT 84604
Zen Payments Review
A+Zen Payments is known for quick setup of merchant accounts and accepting businesses that mainstream providers turn away. Businesses should familiarize themselves with the terms of their contract to avoid disruptions.
- Rate from
- 2.9% + .10
- Monthly
- 29
- Founded
- 2015
- Headquarters
- 4778 N 300 W Suite 150, Provo, UT 84604
Connect with Zen Payments
Tell them what you need. This goes to Zen Payments only.
How it scores
Pricing5.0
Features5.0
Ease of use5.0
Support4.0
Contract5.0
Reputation score5.0
The takeA+
Chapter 1
Should you choose Zen Payments?
The headline take, the audiences it's right (and wrong) for, and the genuine differentiators behind the verdict.
About
Zen Payments is known for quick setup of merchant accounts and accepting businesses that mainstream providers turn away. Businesses should familiarize themselves with the terms of their contract to avoid disruptions.
Pros, cons, and audience
Best for
- High Risk Businesses
Skip it if you
- Low Risk Businesses
How we score it
5
Pricing Transparency
5
Feature Set
5
Ease of Use
4
Customer Support
5
Contract Terms
5
Industry Reputation
Chapter 2
What it costs
Real-world cost at three volumes, plus the rates, fees, payouts, and contract terms that drive them.
What Zen Payments actually costs
Estimated annual cost at three realistic processing volumes, using Zen Payments’s published online rate plus monthly fees. Real costs vary with average transaction size, chargeback rate, and any negotiated terms.
Small business
$10K/mo volume · ~$75 avg transaction
$3.8K/year
≈ $319/mo · 3.19% effective rate
Growing merchant
$50K/mo volume · ~$100 avg transaction
$18K/year
≈ $1.5K/mo · 2.96% effective rate
High volume
$250K/mo volume · ~$150 avg transaction
$87K/year
≈ $7.3K/mo · 2.91% effective rate
Pricing details
Zen Payments specializes in high-risk credit card processing and offers custom merchant accounts tailored to different industries.They provide custom merchant accounts tailored to high-risk industries, and their pricing depends on factors like the specific products being sold, fraud risk, and chargeback history.
Processing Rates
Online Transactions
Card-not-present, e-commerce, and online payments
2.9% + .10
Per transaction
In-Person Transactions
Card-present retail and point-of-sale transactions
2.9% + .20
Per transaction
Fees
Monthly Fee
29
Recurring monthly account fee
PCI Compliance Fee
5.95
Annual PCI DSS compliance and security fee
Statement Fee
0
Monthly account statement and reporting fee
Chargeback Fee
$45.00
Per-incident chargeback dispute fee
Contract Terms
Cancellation Process
How to terminate your account
Charges for cancelling contract early
Zen Payments Pricing Calculator
Estimate your monthly costs
Pick a published plan, enter your volume and transaction profile, and we’ll compute the math the same way an underwriter would. Real costs vary with card mix, chargeback rate, and any negotiated terms.
$
$
Estimated Monthly Cost
$319.00
Effective Rate
3.19%
Discount rate (2.9% × $10,000)$290.00
Monthly fee$29.00
Number of transactions200
Flat all-in rate (interchange built in)
Chapter 3
What you actually get
Products, integrations, payment-type coverage, security posture, and how their support holds up in practice.
Special Features
Subscription Management
Manage recurring subscriptions and billing cycles
Supported
Invoicing
Create and send professional invoices
Supported
Marketplace Tools
Multi-vendor marketplace functionality
Not Available
Virtual Terminal
Accept payments manually via web interface
Supported
Recurring Billing
Automated recurring payment processing
Supported
Multi-Currency Support
Accept and process multiple currencies
Not Available
Accepted Payment Types
Credit & Debit Cards
Visa
Mastercard
American Express
Digital Wallets
Apple Pay
Google Pay
Bank Transfers
ACH
Integrations
E-commerce Platforms
Compatible shopping cart and online store platforms
Shopify WordpressMagento
3 integrations available
Support & Contact
Chapter 4
What others say
Synthesis of third-party platform reviews and industry ratings — agreements, disagreements, and which signals to weight.
Platform Ratings
Aggregated Trust Score
Based on 915 reviews across 2 rating platforms
4.8
out of 5
Overall Rating
Trustpilot
Reviewer Notes
Reviewers overwhelmingly had a great experience with this company. Customers consistently praise the company's payment processes, highlighting the speed, simplicity, and clarity of the procedures. Consumers appreciate the helpfulness, patience, and responsiveness of the staff throughout the entire process, from initial application to account setup. People feel supported and well-guided, with representatives readily available to answer questions and resolve any issues that may arise. Consumers express high satisfaction with the level of service provided, noting the professionalism, knowledge, and dedication of the staff. Reviewers appreciate the ease of navigating the company's app and online interface. The positive experiences shared suggest that the business excels in providing efficient, user-friendly payment solutions with exceptional customer support.
Google Reviews
Reviewer Notes
The reviews are primarily positive with some negative reviews sprinkled in. Some reviewers shared negative experiences they had with customer service whereas the majority share positive experiences they've had with customer support representatives.
Chapter 7
Better choices if…
Direct comparisons to alternatives, framed around when each option makes more sense than this one.
Better choices if…
How we evaluated Zen Payments
We evaluate every payment processor independently — Payment Review does not accept paid placement. Our analysis combines hands-on product testing where possible, public pricing and policy documents, third-party reviews from BBB, Trustpilot, Google, and G2, and employee feedback from sites like Glassdoor and Indeed. We update reviews on a rolling cadence and flag the next review date so readers know how fresh the analysis is.
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