Complete payment processing solution to grow your business

Accept and process payments and transfer money fast and securely with an all-in-one payment platform

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For your e-commerce

A comprehensive set of payment processing services that will ensure a fast and smooth flow of money between your customers and your online store

Payment gateway

Easy to customize checkout with a variety of payment methods for fast and secure payment processing

Payment methods

Over 20 local and global payment methods to choose from with the lowest processing fees

Instant settlement

Funds deposited instantly and ready to use immediately straight from ZEN account

For your business

A holistic platform for managing a company’s finances that enables fast, secure and low-cost money transfers, in-store and online payments with ZEN cards, and exchanging FIAT currencies to digital currencies.

Multi-currency account

One ZEN account with over 29 currencies. It offers a dedicated IBAN account and quick and easy currency exchange at the latest interbank rates

ZEN Mastercard®

Physical and virtual ZEN cards that are fully integrated with your ZEN account. Available for you and your team to seamlessly manage your company’s money.

Account top-ups

Fast and secure account top-ups in foreign currencies with a wide selection of methods to choose from, including credit and debit cards, bank transfers, Paysafecash, iDeal, and many more.

Money transfers

External bank transfers, internal ZEN transfers, and deposits to digital currency management platforms at the lowest fees, so you can skip needless steps and always have your company finances under control.

Digital currency

Transfers of EUR funds to external digital currency exchange platforms as well as conversion of cryptocurrencies into EUR at current rates and with the lowest possible fees

Created not only for developers

Easy to implement with end-to-end documentation and technical support to make integration smooth and seamless


for the most popular ecommerce platforms

Checkout integration

for custom ecommerce CRMs


for customized integration

Enterprise solutions

Diverse businesses, same ZEN. Discover our solutions for every type of business.

Crypto exchanges

Dedicated solutions for transfers and payouts of FIAT currencies to and from digital currency platforms

Crowdfunding platforms

Flexible solutions tailored to the specific needs of crowdfunding platforms

POBO and COBO solutions

Top security and regulatory compliant services for real-time money management



Multi-currency account for your business


Payment gateway

Payment gateway and multi-currency account


Account for traders

Multi-currency account for crypto-related businesses


Get the ZEN.COM app

We’ve designed the whole process to be as short and simple as possible. Get the app and see for yourself!

Scan to get the ZEN.COM app

Open an account in minutes. Scan QR Code to download the ZEN. COM app.

Scan to download

One app, many benefits

Extended Warranty

Gain an extra year of warranty on all company electronics purchased with ZEN Mastercard®

Instant Cashback

Get up to 15% of the money spent back in your ZEN account when you shop at selected stores

Free exchange

Always benefit from the best possible currency exchange rates – with no commission

Shopping protection

Get help 24/7 when something goes wrong with your order

Frequently asked questions

View all

Which business account should I choose?

Depending on your needs, ZEN offers four types of business accounts that allow you to store multiple currencies in one place, manage funds, and make many different types of transfers.

If you run an online shop and would like to additionally accept payments on your website, we suggest opening a business account with a payment gateway.

In which country should my company be registered in order to create a ZEN business account?

You can find a list of supported countries, as you fill out the integration application. Just start typing the first letters of the name of the country that you are interested in. If it appears in the search results, then a company registered there can benefit from opening a ZEN account. If it doesn’t, then, unfortunately, the country is not currently supported.

Why was my application rejected?

Unfortunately, the reasons why an application has been rejected, are not always provided due to various restrictions and legal regulations. We’re very sorry about this and assure you that we are constantly looking for solutions to accommodate an even wider range of businesses.

The most common reasons for rejection are: unsupported business model, unsupported country, or no operational activity.

How can I add a new user/representative to my business account?

If you already have an active business account and would like to add a new representative, please contact us via chat to do so. To be granted access, the new representative should create an individual account.

In some cases, a notarized authorization to represent the company is required. If necessary, we’ll contact you with a request to provide such a document.

Get started with ZEN

Get a payment gateway for your online store with an account to accept payments or open a banking account only