These fees earn you commission*:
- Subscription fee
- Transfers
- Cash withdrawal
- Top up via cryptocurrency
- Cash deposit
- Transfer to card
- Transfer in cryptocurrency
- Card order
Zamów Kartę ZEN
w aplikacji.
Zrób to wygodnie w naszej
aplikacji. Karta wirtualna będzie
gotowa od razu.
Download ZEN.COM app
Register in minutes. Start with your app store.
Scan to download
Earn up to
for every business brought to ZEN
Invite a business. Earn for months.
Once they activate, you earn commission on their eligible fees for 180 days.
See your earning potential
You start at 50% commission rate for 180 days.
Every new business you invite extends your earning period by 60 days and increases your commission up to 80%.
These fees earn you commission*:
-
E-COMMERCE ONLY Payment processing feesE-COMMERCE ONLY Refund fees
- Subscription fee
- Transfers
- Cash withdrawal
- Cash deposit
- Transfer to card
- Top up via cryptocurrency
- Transfer in cryptocurrency
- Card order
Your commission:
50%-80%
58%
Estimated monthly total:
€1 479
Estimated total over 180 days:
€18 000
Their success, your earnings
Your earnings depend on your active business's plan and activity. The better they do, the more you earn.
For e-commerce merchants
For e-commerce merchants, earnings also vary by country and payment methods accepted at checkout.
Earn more, for longer
Commission and earning period scale with each new active business you refer.
*Commission – the percentage of ZEN's profit you earn from each eligible fee your active businesses pay. These are estimated earnings only and may differ from actual payouts.
Invite more. Earn more, for longer.
Every new business you invite that goes Active adds +4% commission and +60 days* to the earning window of all your active businesses – up to a maximum of 80% commission.
See how your earnings will grow if you invite 3 businesses:
Business A goes active on Day 0.
Business B goes active on Day 90.
Business C goes active on Day 100.
Active referred businesses:
Active businesses:
1
2
3
Current commision level:
Current commision:
50%
54%
58%
Active referrals
Commission
1
50%
2
54%
+4%
3
58%
+4%
4
62%
+4%
5+
up to 80%
earning window
today
Day 0
Day 90
Day 180
Day 270
Day 350
Day 0
Day 90
Day 180
Day 270
Day 350
Day 0
Day 100
Day 180
Day 270
Day 350
The +60 day extension is a promotional offer. The standard extension is +30 days per new active referral. See full terms and conditions →
Start earning in 3 simple steps
1
You invite them...
Share your unique link or send an email invitation directly from the app.
2
They activate...
They become active once they create an account and complete 1 card transaction or accept at least 1 e-commerce transaction through their payment gateway
3
You start earning!
From the moment they go Active, you earn a share of ZEN's net margin on their fees – starting at 50% for 180 days, with both increasing as you invite more businesses.
What's in it for them?
Not sure how to convince your friend? Here are the benefits they actually get.
-
CASHBACK~1% back on every card payment
Pay with the ZEN PRO card and earn cashback on every purchase.
CASHBACK~1% back on every card payment
Earn around 1% back on all payments made with your ZEN PRO card — fuel, utilities, taxes, office equipment, subscriptions. Anywhere you can pay by card, your money works a little harder. -
PAYMENTSLower processing costs
Competitive fees for card and e-commerce payments.
PAYMENTSCompetitive fees for card and e-commerce payments.
See how much your business could save on every transaction. ZEN's processing fees are built to be competitive for online stores and e-commerce businesses. -
PLANSmart or Enterprise plan - 2 months for free
Smart or Enterprise plan, no strings attached.
PLANSmart or Enterprise plan, no strings attached.
Get 2 months of ZEN's Smart or Enterprise plan completely free when you sign up through a referral. Full access to all features from day one — no credit card required upfront, no commitment. -
INSTANT CASHBACK500+ cashback deals in your card and app
Instant rewards at hundreds of brands — no thresholds, no payout requests.
INSTANT CASHBACKInstant rewards at hundreds of brands — no thresholds, no payout requests.
Get cashback at over 500 brands directly through your ZEN card and app. No minimum spend, no waiting for approval. Rates are regularly updated and stack with other promotions. -
WARRANTYExtended warranty on electronics
Automatic warranty extension on electronics purchased with the ZEN card.
WARRANTYAutomatic warranty extension on electronics purchased with the ZEN card.
Electronics tend to break just after the warranty expires? Not your problem anymore. Two extra years, no fees, no device limit.
Frequently Asked Questions
-
Who can join the Invite & Earn program?
Anyone with a ZEN account. ZEN's customer referral program is open to both individual and business users — no business account needed to start referring. -
Why is my referral still Pending?
Their account must be fully confirmed, verified and approved; and they must complete at least 1 card transaction or accept at least 1 e-commerce transaction through their payment gateway. Until all conditions are met, no rewards are generated. -
When do I start earning?
From the moment your referral goes Active. Not before. -
How long do I earn for?
180 days per active referral. Each new active referral you add currently extends this by 60 days — this is a promotional offer. The standard extension is 30 days per new active referral. -
How do I get paid?
Earnings are paid out to your EUR account within ZEN. No minimum or maximum withdrawal amount. -
Can I increase my commission?
Yes. Each new active referral adds +4% to your commission rate across all active referrals, up to 80% maximum. -
What is a referral program?
A program that rewards you for introducing new customers to a product or service. ZEN's Invite & Earn is a business referral program — you earn a share of revenue from every business you refer. -
What are referral rewards?
Earnings you receive when a business you referred becomes active. With ZEN, you earn a share of the fees generated by that business — starting at 50% commission for 180 days, with both increasing as you refer more businesses. -
Can I refer a business that already uses ZEN?
No. The referred business must be new to ZEN with no prior account. -
Is there a limit to how many businesses I can refer?
No limit. More active referrals means a higher commission rate and longer earning periods. -
Do I need a business account to participate?
No. Both individual (B2C) and business (B2B) ZEN users can join the program. -
What makes this one of the best referral programs?
No cap on referrals, commission that scales with your activity, and payouts directly to your ZEN account — no waiting, no minimums.
