ZEN.COM

ZEN.COM Payment Gateway: Merchant Overview

ZEN.COM is a payment acceptance solution designed for merchants that want to take online payments through a single checkout experience while receiving funds directly to a ZEN.COM IBAN account. The ZEN.COM Payment Gateway combines multiple payment methods, flexible integration options (plugins, hosted checkout, and API), and operational tooling in the my.zen.com merchant panel. For teams prioritizing cash flow, ZEN.COM also positions “instant settlement” as a core capability, crediting revenue from the gateway directly to ZEN accounts in minutes for popular payment methods.

What ZEN.COM Payment Gateway Is

ZEN.COM positions its gateway as an online payment acceptance layer that can be embedded into common e-commerce stacks or integrated directly by development teams. Integration models are structured around three paths:

• Plugin integration for dedicated e-commerce platforms

• Checkout integration using a hosted payment site and redirect-based flow

• API integration for advanced, customized payment experiences and programmatic payment operations

Across these approaches, merchants operate key settings and payment method availability through ZEN’s merchant tooling, including activation of payment methods and configuration of transaction notifications.

Payment Methods And Local Coverage

ZEN.COM states that its payment gateway integrates nearly 100 global and local payment methods, with configuration designed to support both local and cross-market selling on a single payment page. Examples explicitly shown include:

• Card schemes: Mastercard, Visa

• Digital wallets: Apple Pay, Google Pay

• Local options and transfers: BLIK, Bank Transfer

• ZEN Pay: a QR-code based method linked to ZEN user accounts

Beyond the examples on the marketing pages, ZEN’s integration documentation also describes support for a broad set of online methods, listing examples such as Mastercard, Visa, Paysafecard, PayPal, and BLIK.

Checkout Experience And Payment Flows

Redirect Checkout Flow (Hosted Checkout Integration)

In the hosted checkout model, the merchant creates a checkout session that produces a unique URL, and the customer is redirected to the ZEN.COM checkout page to select a payment method and authorize the transaction. Once authorized, ZEN sends a success status notification and redirects the customer back to the merchant’s success page. Accepted transactions are settled to the merchant’s ZEN.COM IBAN account.

This model is typically suitable when you want faster implementation and a standardized payment page maintained by the provider.

Embedded Payment Methods (Plugin Or API Capabilities)

ZEN.COM also supports flows where customers pay directly on the merchant site using embedded payment methods, depending on the platform and chosen integration features. ZEN’s plugin documentation describes that e-commerce plugins can support both redirect-to-hosted-checkout and embedded payment experiences.

For card payments specifically, ZEN provides a card widget designed as an iframe that allows card payments without redirecting the customer to an external payment page. The documentation frames this as relevant for merchants that are not PCI compliant and want to embed card payments directly.

Billing, Tokenization, And Advanced Checkout Features

ZEN’s API integration feature set explicitly includes capabilities that matter for repeat purchases and billing automation:

• Saving and tokenizing cards

• One-click payments

• Recurring payments (including “standard recurring” and “unscheduled” payments)

• Payment links

• Refunds (with differences depending on integration model)

• Instant payment notifications (IPN)

• Shop logo support on checkout

• Reports and downloadable reporting artifacts

For recurring payments under checkout integration, ZEN documentation distinguishes between standard recurring and unscheduled payments and notes the use of stored card tokens for subsequent charges initiated by the merchant.

Settlement, Cash Flow, And Payout Mechanics

ZEN.COM describes a simplified flow compared to traditional payment processing by allowing merchants to skip a separate settlement payout stage and receive money directly to a ZEN.COM IBAN bank account. ZEN’s “Instant settlement” positioning is central to this model:

• Revenue from the ZEN Payment Gateway is credited directly to ZEN accounts in minutes, not days

• Instant settlement is described as working for popular methods including Mastercard, Visa, bank transfers, Skrill, and more

• ZEN also states that merchants can transfer funds to external accounts and characterizes withdrawals as free of charge (as presented on the instant settlement page)

Operationally, ZEN points to an e-commerce panel where merchants can monitor transactions and status changes as funds arrive into the ZEN multi-currency account.

Currencies And Multi-Currency Operations

ZEN frames multi-currency as a native aspect of the system. Its payment gateway plan materials describe a multi-currency account with IBAN accounts in EUR, USD, GBP, plus 25 more, and the plan page presents a list of supported currencies across major and regional codes (for example, EUR, USD, GBP, PLN, SEK, NOK, CZK, RON, HUF, and others).

ZEN also describes a Currency Conversion Service intended to support accepting payments in a specified currency and reducing currency-related risk. This is positioned as enabling customers to pay in their preferred currency while the merchant manages currency acceptance choices.

Integrations And Developer Options

Plugins For Common E-Commerce Platforms

ZEN’s plugin documentation index explicitly lists supported platform plugin paths and manuals, including:

• Magento (multiple version ranges)

• OpenCart

• osCommerce

• PrestaShop

• WooCommerce

• Shoper

• ZenCart

ZEN positions plugins as a way to integrate without complex API implementation, while still allowing configuration of payment channels and features through my.zen.com and the platform’s admin panel.

Hosted Checkout Integration

Checkout integration uses a ZEN-hosted payment site and redirect-based sessions. This can be a practical default when you want ZEN to manage the payment page while you control the initiation and post-payment customer journey (success and status handling).

REST API And API Reference

For teams that need more control, ZEN’s API reference documentation describes REST-based endpoints and workflows to:

• Create, capture, cancel, and retrieve orders

• Conduct payouts

• Access payment-related reports

The API documentation also indicates that some payment methods and channels can support a “full whitelabel process” without redirect (examples given include Google Pay, BLIK, and card payments), while other methods may still require redirect for authorization.

Pricing Approach

ZEN provides a “Payment Gateway Plan” page that presents monthly plan pricing tiers (for example, Smart and Enterprise) and shows example processing rates for specific methods such as ZEN Pay, credit cards, Apple Pay, Google Pay, and BLIK. The same page presents “IF++” pricing for certain card and wallet methods and a separate rate for ZEN Pay.

Because method pricing and plan selection can materially affect unit economics, merchants should treat ZEN’s plan pricing page as the authoritative reference for the currently published rates and included features.

Security, Compliance, And Risk Controls

ZEN’s documentation and terms emphasize controls and standards relevant to online payments:

• The card widget documentation references PCI DSS and explains PCI DSS as a security standard required for organizations that process, store, or transmit card payment data.

• ZEN’s API integration feature list includes 3-Domain Secure (3DS) and a “fraud collector” capability, and it distinguishes mandatory versus optional integration features (for example, 3DS and fraud collector as mandatory in the feature list context).

• ZEN’s e-commerce terms reference compliance obligations and include GDPR-related commitments and provisions, and also explicitly prohibit merchants from processing MOTO (mail order/telephone order) transactions.

ZEN also describes itself as a licensed financial institution supervised by the Central Bank of Lithuania, with an electronic money institution license number and an FCA reference for the UK context (as presented in site footers).

Conclusion

ZEN.COM Payment Gateway is structured around a unified checkout experience, broad payment method coverage, and three integration paths that scale from “fastest to implement” plugins and hosted checkout to a full REST API for customized payment flows. Its model of settling accepted transactions directly to a ZEN.COM IBAN account, combined with “instant settlement” positioning, targets merchants that want to tighten cash-flow cycles and reduce operational friction between payment acceptance and fund availability.