One integration
Crypto payouts run through the same Hosted Payout Page as card payouts. Enable new methods without touching your codebase.
Payouts for platforms
Global payouts to any card, wallet, or account
One integration covers all three, in 70+ countries. Your users pick how they get paid.
LET'S BUILD YOUR CARD
- Principal member of Visa and Mastercard
- Coverage in 70+ countries
- Card payouts in minutes
Card payouts
International payouts straight to a payment card
No IBAN required. Just a card number and full name. ZEN.COM sends the payout instantly over Visa Direct and Mastercard MoneySend.
Card payouts
See how we can help you with making your shopping experience and money management more ZEN.
- 1 You request a payout from your ZEN.COM balance via the payout API.
- 2 You pass the recipient's card number and full name.
- 3 ZEN.COM processes the payout over Visa or Mastercard.
- 4 Funds leave ZEN.COM instantly, and most EEA cards post them in minutes.
Crypto payouts
Crypto and stablecoin payouts, straight to a wallet
Let your users withdraw earnings in whatever coin they hold. No separate integration required.
BTC
ETH
USDC
USDT
SOL
Multiple networks
The USDT and USDC stablecoins run on four networks: Ethereum (ERC20), Tron (TRC20), Solana, and Polygon. Your users trade off network fees against speed.
Regulated and screened
ZEN.COM operates under applicable crypto-asset service provider regulations and runs Travel Rule checks on every transfer. Most settle in minutes, into the wallet address your users choose.
Bank payouts
Cross-border payouts to and from Europe
Move money in and out of Europe on the rail that fits — SEPA, SWIFT, local, or ZEN-to-ZEN.
SEPA transfers
Send and receive EUR across the Eurozone. Instant SEPA needs a paid plan and a participating bank. Standard SEPA takes 1–3 business days.
SWIFT transfers
Send wires in multiple currencies. Choose who covers correspondent-bank fees: you (OUR) or both (SHA). Transfers take 1–3 business days.
Local transfers in PLN, GBP, RON
Send domestic transfers in zloty, pounds, and lei. Instant runs in PLN and RON where the receiving bank supports it. Incoming transfers are free.
ZEN-to-ZEN transfers
Send money between ZEN.COM accounts instantly. Both sides need a ZEN.COM account. Transfers are free.
Use cases
Two ways to use ZEN.COM payouts: send money from your own business account, or let your users withdraw theirs.
Business payout
Stop chasing bank details from your partners
Move money out of your ZEN.COM balance to any card – your own, or a partner's. No account numbers, no forms to chase.
Platform and marketplace payouts
Stop losing users at the withdrawal screen
Sellers, drivers, and players give up on a withdrawal that asks for bank details. Yours just pick a card, and your support queue stops filling with payout questions.
Benefits for your business
- Faster payouts – funds leave ZEN.COM instantly, not on the next business day.
- No IBAN collection – less onboarding friction and fewer failed transfers.
- Direct pricing – processing runs directly through a principal member of Visa and Mastercard, with no intermediary taking a cut.
- Global coverage – 70+ countries live today, with more Visa and Mastercard markets on the way.
- Two ways in – a payout API for your engineers, or the Hosted Payout Page for everyone else.
Benefits for your customers
- They choose card, crypto wallet, or bank account.
- They don't share bank account or IBAN details.
- Funds are usually available within minutes.
- No app to install and no account to open.
- Any eligible card in 70+ countries works.
Supported settlement currencies
USD
EUR
GBP
PLN
CAD
CZK
RON
SEK
HUF
Live across all EEA markets, the UK, Switzerland, Australia, and Singapore – 70+ countries via Visa and Mastercard. Payouts settle in the currency you fund, with conversion handled automatically at the prevailing market rate.
Frequently Asked Questions
-
What payout methods are supported?
Payouts can be sent to Visa and Mastercard cards, cryptocurrency wallets, or ZEN accounts, depending on your approved setup. -
Do we need to store card data?
No. ZEN handles sensitive card data and helps reduce your PCI scope. -
Can I offer instant payouts to ZEN accounts?
Yes. For fully KYC-verified users, funds can settle to their ZEN account in real time. -
Will my system receive payout status updates?
Yes. ZEN returns a clear payout status to your system after every transaction.
