Comparison

How We Compare

See why Zen Payments leads traditional processors for high-risk merchants

See how Zen Payments compares to traditional processors for high-risk merchants — higher approval rates, more banking partners, and pricing you can trust.

Why choose us

Why Choose Zen Payments forPayment Processing

Zen Payments partners with over 15 financial institutions, boasts a 98% acceptance rate, and will never charge hidden fees, making it a leading choice for high-risk payment processing. Whether you operate an online business or a physical storefront, Zen Payments provides diverse payment processing solutions to meet your unique needs.

Side by side

Zen Payments vs.Traditional Payment Processors

If you're a high-risk merchant, you need a payment processor you can trust. Here's how Zen Payments stacks up with more traditional payment processors.

Partnerships with Over 15 Financial Institutions

Zen Payments collaborates with a network of over 15 trusted financial institutions specializing in high-risk merchants. This extensive network ensures we can find the perfect partner to support your business.

98% Approval Rates

Our trusted relationships and deep industry expertise enable Zen Payments to approve nearly 100% of merchant applications, making us the clear choice for high-risk businesses.

High Risk Tolerance

At Zen Payments, we provide stability and peace of mind for high-risk merchants. Your account will never be frozen or closed without prior notice, ensuring uninterrupted operations.

Seamless Website Integration

Zen Payments supports a wide range of platforms, including WooCommerce, Shopify, WordPress, and custom Authorize.net gateways, ensuring smooth compatibility with most websites.

Competitive Pricing Guaranteed

Have you been processing payments for over three months? Zen Payments will beat your current pricing—ensuring you save while enjoying superior service.

Comprehensive Low-Risk Solutions

Zen Payments offers the same robust, low-risk processing solutions as traditional providers, but with the added advantages of high-risk specialization and unmatched support.

Traditional Processor

Work with 1-2 Financial Partners

Traditional payment processors typically work with only one or two financial partners, leaving high-risk merchants vulnerable to rejection or account freezes due to risk-averse institutions.

Uncertain Approval with Traditional Providers

High-risk merchants face significant hurdles with traditional providers. Even if approved, your account could be frozen or shut down without warning.

No Risk Tolerance

Traditional processors shy away from high-risk merchants, and if they do accept your business, you may encounter sudden account freezes or closures with no advance notice.

Easily Work With Most Websites

While traditional payment processors often integrate with popular platforms, their flexibility in handling high-risk businesses is limited with other platforms.

Unpredictable Pricing with Traditional Processors

Rates and fees vary widely among traditional processors, requiring time-consuming comparison shopping to find a provider that meets your needs.

Low-Risk Processing

Traditional providers cater only to low-risk merchants and often fail to provide the flexibility or stability required to support high-risk businesses effectively.

Customer reviews

Why Our CustomersLove Zen Payments

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Answers before you apply

Frequently Asked Questions

Zen Payments offers the same low-risk payment processing solutions as Square and similar platforms. However, unlike those options, Zen Payments specializes in high-risk payment processing. Our financial partners are equipped to handle the risks associated with chargebacks, fraud, and other high-risk factors. This means you can work with Zen Payments without worrying about account freezes or sudden shutdowns—common issues with traditional payment processors.

We customize your processing volume based on your business's needs. When you start with us, we review your application to determine an initial approved volume. If your business exceeds this limit, we can increase it as needed. For businesses with prior processing history, we'll tailor the approved volume to align with your past performance and future growth.

Most likely, yes! We use Authorize.net, which is compatible with most solutions, including WooCommerce, Shopify, Wordpress, and any custom Authorize.net gateway.

Funds are automatically deposited into your business bank account every 48 hours—no manual transfers required. We also offer solutions for same-day funding if needed, ensuring fast and seamless access to your money.

Yes! We work with startups and can take 3 months of personal bank statements in place of business bank statements.

Zen Payments partners with over 15 high-risk financial institutions and maintains a 98% approval rate. We'll set you up with payment processing quickly and ensure your account remains secure—no freezes or shutdowns. Our solutions support storefronts, online merchants, and even remote payment processing options, giving you the flexibility to run your business seamlessly.

Still have questions? Contact our support team

Industries we serve

Tailored Solutions forDiverse Industries

Zen Payments proudly supports a diverse range of businesses with tailored payment processing solutions. These include:

CoachingBusiness, Life, Career

FirearmsAmmo, Weapons

GamingGame Payments

High VolumeBig Merchants

MLMProducts, Services

NutraceuticalSupplements & More

MarketingSEM, SEO Services

SubscriptionSaaS, Memberships

TelemedicineVirtual Healthcare

TravelAgencies, Ticketing

View All IndustriesSee complete list

Visit our blog for a comprehensive list.