Why Choose Our Merchant Accounts
We provide merchant account solutions that are designed to help your business grow and thrive.
Fast Approvals
Get approved quickly with our streamlined application process. Most applications are processed within 24-48 hours.
Competitive Rates
Our transparent pricing ensures you get the best rates for your business volume and industry, with no hidden fees.
Advanced Security
Protect your business and customers with PCI-DSS compliance, fraud prevention tools, and secure transaction processing.
Merchant Account Solutions for Every Business
We offer a variety of merchant account types to meet the specific needs of your business.
Retail Merchant Accounts
Ideal for brick-and-mortar stores processing in-person transactions with physical card payments using POS terminals.
- Lower processing rates for card-present transactions
- Same-day or next-day deposits
- Integration with popular POS systems
- Chargeback protection tools
- EMV chip card and contactless payment support
E-commerce Merchant Accounts
Specialized for online businesses processing card-not-present transactions through websites and mobile apps.
- Optimized for online transaction processing
- Advanced fraud detection and prevention
- Multiple currency support
- Shopping cart integrations
- Recurring billing and subscription management
High-Risk Merchant Accounts
Tailored solutions for businesses in industries traditionally considered high-risk by financial institutions.
- Specialized underwriting for high-risk industries
- Chargeback management programs
- Higher volume processing capabilities
- Longer contract terms for stability
- Personalized risk assessment
Powerful Features for Your Business
Our merchant accounts come with a comprehensive suite of features to help you manage your payments efficiently.
Next-Day Funding
Get access to your funds quickly with next-day deposits to your business bank account.
Virtual Terminal
Process payments manually when needed using our secure web-based virtual terminal.
Multi-Currency Processing
Accept payments in multiple currencies to serve customers from around the world.
Detailed Reporting
Access comprehensive transaction reports and insights to track your business performance.
Fraud Protection
Advanced tools and monitoring to protect your business from fraudulent transactions.
Compliance Management
Stay compliant with industry regulations with our built-in compliance tools and resources.
Industries We Serve
We provide merchant account solutions for businesses across a wide range of industries.
Simple Application Process
Getting started with a merchant account is quick and straightforward.
Complete Application
Fill out our simple online application with your business information and requirements.
Document Submission
Submit the required documents to verify your business identity and credentials.
Underwriting Review
Our team reviews your application and provides a tailored solution for your business.
Account Activation
Once approved, your merchant account is set up and ready to process payments.
What Our Merchants Say
Hear from businesses that have transformed their payment processing with our merchant account solutions.
"Switching to ZenPay's merchant account has been transformative for our business. The rates are competitive, deposits are consistently on time, and their support team is exceptional when we need assistance."
James Douglas
CEO, Urban Retail
"As an e-commerce business, we needed a merchant account that could handle international transactions securely. ZenPay delivered exactly what we needed with excellent fraud protection tools and multi-currency support."
Michelle Lee
Founder, Global Trends
Frequently Asked Questions
Answers to common questions about our merchant account services.
What is a merchant account?
A merchant account is a specialized bank account that allows businesses to accept credit and debit card payments. It serves as an intermediary between your customer's payment method and your business bank account.
How long does the application process take?
The application process typically takes 1-3 business days. Once approved, your merchant account can be set up and ready to process transactions within 24-48 hours.
What fees are associated with merchant accounts?
Merchant accounts typically involve several fee types: transaction fees (percentage of each sale), monthly maintenance fees, payment gateway fees, and occasionally setup fees. We offer transparent pricing with no hidden charges.
Can I get a merchant account with bad credit?
Yes, it's possible to get approved for a merchant account with less-than-perfect credit. We evaluate applications holistically, considering business history, industry, and processing volume alongside credit scores.
Do you offer high-risk merchant accounts?
Yes, we specialize in providing merchant accounts for businesses in high-risk industries. Our underwriting team has experience working with various high-risk business types and can provide tailored solutions.
How do I integrate the merchant account with my website?
We provide comprehensive integration tools, including APIs, plugins for popular e-commerce platforms, and hosted payment pages. Our technical support team is available to assist with the integration process.
Works with all major e-commerce platforms
Our merchant accounts integrate seamlessly with the platforms you already use.
