Merchant education
Guides that help youprocess with confidence
Practical explainers for high-risk and ecommerce merchants covering disputes, declines, fraud, category codes, and what you actually pay to process cards.
Browse by topic
All merchant guides
Each guide is written for operators who need clear answers before they apply, board, or switch processors.
Why merchants choose Zen
Get approved no matter the services or product you offer
Our goal is to provide merchant accounts with nearly instant approval for all high-risk businesses. We are your path to online payments and are here to pave the way for your future growth.
Same day funding
Zen Payments offers merchant account services that provide same-day access to collected funds, eliminating the need for overnight waiting periods. With our services, you can easily reconcile your account and manage expenses such as payroll, utilities, and vendor payments.
Account fundingHigh approval rates
At Zen Payments, we believe in equal opportunities for all businesses to thrive in the marketplace. That's why we have some of the highest approval rates in the industry, with a 98% approval rate for account services, including merchants with poor credit history and credit scores as low as 500.
Approval processConnected banking network
Zen Payments has a broad network of over 15 banks and processing institutions, enabling us to offer optimal payment solutions for your business. We're committed to finding the right partner and securing competitive rates for card processing services that meet your long-term needs.
Our partners