ZEN offers more than 20 online payment methods for your goods and services, including Mastercard®, Visa, Paysafecard, PayPal, Blik, and more. You can check the full list on our website.
We always aim to ensure that our services are easy to use and fully transparent. The following sections explain the basic structure and flow of the ZEN payment process.
At ZEN, we offer a much more simplified transfer flow compared to traditional ones. You can skip the settlement payout part of payment processing and receive your money directly to your ZEN IBAN bank account.
ZEN payments begin with an authorization request. ZEN then directs users (or their payment data) to the selected payment operator.
The payment is now PENDING. Once it is verified, you receive an IPN (Instant Payment Notification) that informs you of the payment's status: AUTHORIZED, CANCELED, REJECTED, or ACCEPTED.
If instant authorization is not available, the IPN may come with the PENDING status. If this happens, you should wait for the IPN with the final authorization status.
Accepted transactions are settled to your ZEN IBAN account. Rejected transactions also contain a rejection reason code, which you can use to verify why the payment was not successfully processed.
Below, you can find the complete list of available payment methods.
|Payment provider||Supported currency||Transaction amount|
|Apple Pay||EUR||Min. 0.01 EUR||Max. 10,000 EUR|
|Bancontact||EUR||Max. 10K EURMax. 10K EUR||Max. 10,000 EUR|
|BLIK||PLN||Min. 0.01 EUR||Max. 100,000 EUR|
|Google Pay™||EUR||Min. 0.01 EUR||Max. 100,000 EUR|
|Ideal||EUR||Min. 0.01 EUR||Max. 10,000 EUR|
|Mastercard®||AED, AUD, BGN, CAD, CHF, CNY, CZK, DKK, EUR, GBP, HKD, HRK, HUF, ILS, JPY, KES, MXN, NOK, NZD, PLN, QAR, RON, SAR, SEK, SGD, THB, TRY, UGX, USD, ZAR||Min. 0.01 EUR||100,000 EUR|
|Neosurf||AUD, BGN, BRL, CAD, CHF, CNY, CZK, DKK, EUR, GBP, HKD, HRK, HUF, IDR, ILS, INR, JPY, KRW, MXN, MYR, NOK, NZD, PHP, PLN, RON, RUB, SEK, SGD, THB, TRY, USD, XOF, ZAR||Min. 1 EUR||Max. 10,000 EUR|
|Neteller||EUR||Min. 0.01 EUR||Max. 100,000 EUR|
|Pay By Link||PLN||Min. 1 PLN||Max. 100,000 PLN|
|ZEN||EUR, GBP, PLN, USD||Min. 0.01 EUR||Max. 1,000,000 EUR|
|PayPal||AUD, BRL, CAD, CZK, DKK, EUR, HUF, HKD, ILS, JPY, MYR, MXN, NOK, NZD, PHP, PLN, GBP, RUB, SGD, SEK, CHF, TWD, TRY, THB, USD||Min. 0.01 EUR||Max. 100,000 EUR|
|Paysafecard||AUD, CAD, CZK, DKK, EUR, GBP, HUF, NOK, PLN, RON, SEK, USD||Min. 1 EUR
||Max. 100,000 EUR|
|Paysafecash||EUR, CAD, BGN, CZK, HUF, HRK, GBP, USD, PLN, MXN, RON, SEK, CHF||Min. 0.01 EUR||Max. 1000 EUR|
|Skrill||EUR||Min. 0.01 EUR||100,000 EUR|
|Digital currencies||EUR||Min. 15EUR||
|Trustly||EUR, PLN, DKK, SEK, NOK, CZK||Min. 0.01 EUR||100,000 EUR|