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Zen Payments Reviews 581

TrustScore 4.5 out of 5

4.7

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Review summary

Based on reviews, created with AI

Reviewers overwhelmingly had a great experience with this company. Customers consistently praise the staff for their professionalism, knowledge, and helpfulness. Many reviewers specifically mention individual team members by name, highlighting their exceptional customer service and dedication to resolving issues efficiently. Consumers appreciate the easy-to-navigate user experience, noting that the platform is more user-friendly compared to others they have used. People also value the service provided, describing it as top-notch and expressing feeling like valued partners. The quick and straightforward setup process is frequently mentioned, with reviewers appreciating the clear communication and thoroughness of the staff. However, there are mixed opinions regarding payment processes, with a low consensus among reviewers.

Based on these reviews

Rated 5 out of 5 stars

Excellent experience with Zen Payments. Quick, efficient, and very professional. Their team stayed on top of everything, answered every question, and made the whole process stress-free. If you want a... See more

Company replied

Rated 5 out of 5 stars

Morgan . one of best accounts manager we have had . he has helped us setup multiple accounts over the last year while providing best customer experience . if you want a hassle free experience he is yo... See more

Company replied

Rated 5 out of 5 stars

I've worked with my fair share of payment processors and am glad to say that Zen ranks at the top. The very top. One particular processor was downright hostile, by default, each an... See more

Company replied

Rated 5 out of 5 stars

Gabriel Thank you so much for welcoming and assisting me with such a difficult task from my end. I'm so excited and motivated to begin my new beginning . Happy tears today, You and your way of assist... See more

Company replied

Rated 5 out of 5 stars

My account rep Bryce makes sure he is on top of every request I make. He acts upon each request almost immediately to help expedite things. Account changes such as changing bank accounts is as eas... See more

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Rated 5 out of 5 stars

Mickey Robertson has been absolutely amazing to work with! From the very beginning, he made sure the process was super quick, clear, and straightforward while being careful and thorough with my applic... See more

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Rated 5 out of 5 stars

Gabriel Mahuinga was absolutely amazing! He helped me get my merchant services fully set up so I could start processing payments on my website. He was super helpful, patient, and made the whole proces... See more

Company replied

Rated 5 out of 5 stars

Most professional customer care shout out to Cameron always getting down to the root of any of my issues. You can tell all the associates really take pride in their business. Thanks again Cameron, I c... See more

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Rated 5 out of 5 stars

Been using send payment for about a month and now absolutely love their services. It’s super clean super speedy, easy and customer friendly. customer service has been on one to one private consulta... See more

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Rated 5 out of 5 stars

I called with a question about reserve accounts, as well as I was having issues with my card reader. I wanted something more sleek. Cheyenne D. went above and beyond for me. She answered questions and... See more

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Rated 5 out of 5 stars

I am happy to leave a 5-star rating. It's clear that this company truly values feedback from its merchants, and that commitment to listening is what helps them keep improving. The service is top-notc... See more

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Rated 5 out of 5 stars

Great customer service comes from a great personality and a true professional, and I have no doubt that Ryan delivered exactly that. From start to finish, he took care of everything for me, making the... See more

Company replied

Rated 5 out of 5 stars

Gabriel was extremely helpful and knowledgeable and was able to help me with anything that I may have been confused about. He was also very good at guiding me through my dashboards and helping me unde... See more

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Rated 5 out of 5 stars

I was referred to ZEN Payments by Authorize.net while preparing to relaunch my business, LaBellaBaskets.com. From start to finish, the application process was smooth and easy. Mr. Robertson was not on... See more

Company replied

Rated 5 out of 5 stars

Junior not only helped me today, providing excellent customer service, but he put my mind at ease. It's not easy creating your own website, working full time and caring for an elderly parent!

Company replied

Rated 1 out of 5 stars

Don’t do business with zen payments or maverick bank. I’ve been waiting 90 days for them holding 10% of all my transactions which is thousands of dollars at this point. They finally emailed me b... See more

Company replied

Rated 5 out of 5 stars

Just got accepted by ZenPayment and the whole process was super straightforward. No stress, no endless documents, Mr Ryan Griffith was a huge help throughout. He answered all my questions, guided me... See more

Company replied

Rated 5 out of 5 stars

Gabriel helped me resolve my issues with connecting with Authorize.net. He was very helpful and took his time to make sure the process was completed correctly which it was completed. He also made su... See more

Company replied

Rated 5 out of 5 stars

Mickey Robertson was so transparent and helpful . I thought I would never get approved but this man helped me gain the confidence I can get approved . If anyone leaves a 1 star they are a pure hater a... See more

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Rated 1 out of 5 stars

Multiple fake reviews all using the name "customer". Exorbitant fees (over 10%), suddenly hit with high risk ($500 and $950) fees with no warning (after 2 months of already accepting payments) then th... See more

Company replied

Rated 1 out of 5 stars

They opened an account for my business but altered the terms of our agreement. Zen Payments also added a 10% reserve with no clear reason or explanation on when funds would be released. Be very... See more

Company replied

Rated 2 out of 5 stars

I been using Zenpayments for a while. I am paying $100 on monthly fees & $40 for Authorize.Net Zenpayments hide a lot of things from you. Also if customers file a dispute you will not win. You can p... See more

Company replied

Rated 1 out of 5 stars

zen payments is a fraud company. Their merchant stole my card details with an phishing page and used them on their site to charge my card. In my bank statements i can see that they used zen payments m... See more

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Rated 1 out of 5 stars

Processing with them was great for about a week. After that, got a random hold on all funds being paid out and put into the reserve which is putting my business in the negatives now. Ticket was create... See more

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Rated 5 out of 5 stars

Zen Payments and the representative who was working with me, Kolby, were really helpful. When faced with some issues in setting up my payment gateway, they helped me find ways to resolve my issues. Wh... See more

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Rated 5 out of 5 stars

The time the Account Rep Kara, Support Rep Junior took the time to work with me in getting my account opened up, and setup. Very Professional, courteous and knowledgeable in there Jobs and this Payme... See more

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Rated 5 out of 5 stars

Great onboarding. Other providers have messy portals interposed between us and onboarding staff - directly emailing and having Bridger assist via email and phone was great. I have probably dealt w... See more

Company replied

Rated 5 out of 5 stars

I had a great experience with Zen pay the entire process. I worked with Morgan who was great the entire process he explained the product very well and made it very easy for me to make the choice of ch... See more

Company replied

Rated 5 out of 5 stars

I had a problem with my account. But Jake Barnhart, the VP of Sales, went over and beyond anything I have ever seen in a representative from any company to make things right for me. His dedication... See more

Company replied

Rated 1 out of 5 stars

I want to say this company is nothing but lies. Not only kolby promised me things. He wont return my call. I have 780 credit score. He said we would be running by Monday. I called Monday. He said we... See more

Company replied

Rated 5 out of 5 stars

My process was smooth and absolutely AMAZING—my first time going through this process and my rep Kolby Neilson made it so easy! Literally cannot thank him enough! VERY attentive to my every need, very... See more

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Rated 5 out of 5 stars

Bryce is great! He is very fast and efficient in responding. He understands what I am asking even if I am having trouble wording my questions to make sense. I always have a pleasant experience with th... See more

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Rated 5 out of 5 stars

Words cannot express how grateful I am to be apart of Zen Payments, merchant program. A big thanks goes to Mickey Robertson, he is absolutely amazing and his customer service is outstanding! If you ar... See more

Company replied

Rated 1 out of 5 stars

Wow wow wow. If you’re a merchant: they will happily take your business—until you have a dispute, a cashflow hiccup, or you ask questions about the real terms. Then the “fine print” becom... See more

Company replied

Rated 5 out of 5 stars

I was working with Josh, who helped me with my merchant approval. He was very polite throughout the process and extremely helpful. I will definitely recommend Josh to my friends who need assistance wi... See more

Company replied

Rated 5 out of 5 stars

Vanessa did an amazing job. She was extremely helpful, very knowledgeable and friendly in guiding me throughout the whole set up process. She deserves the highest marks!

Company replied

Rated 5 out of 5 stars

This company has been a game changer for us! We have had a seven month relationship now and it’s been great! Zenn gave our company a chance when others wouldn’t. The fees are definitely high as expect... See more

Company replied

Rated 3 out of 5 stars

My service agent was very communicative at the beginning then after he got me to sign up he disappeared. I messaged him twice and called and still couldn’t get in contact with him. It’s hard to trust... See more

Company replied


Company details

  1. Card processing service
  2. Business-to-Business service
  3. Payment service

Written by the company

Are you searching for credit card processing solutions? Zen Payments is here to help. Zen Payments specializes in high risk credit card processing and has been a top merchant account provider for over 15 years. We provide a comprehensive range of merchant services for businesses across all industries, with extensive experience in processing high risk volume nationwide. Entrust us with your high risk merchant services and leverage our vast network of 15+ direct bank and processor relationships to find the ideal long-term home for your merchant account. Contact us today!

Partner With the Best

Written by the company

Get your custom merchant account today.
Zen Payments has extensive experience in working with and boarding merchants in low and high risk industries. 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 credit scores as low as 500.

We're Here to Help!

Contact Us for Assistance

Contact Us for Assistance
Our customer service is always a priority, and we aim to resolve any issues or inquiries you might have. Our support team is available to speak over the phone Monday through Friday 9:00AM to 5:00PM MST. If we are unavailable, we will get back to you as soon as possible. If you cannot reach us by phone, please send us an email or fill out our contact form. We look forward to speaking with you!

Contact info

Promotion box for Zen Payments

Payment Processing Made Easy

We specialize in credit card processing with tailored solutions.

4.7

Excellent

TrustScore 4.5 out of 5

581 reviews

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1-star

Replied to 94% of negative reviews

Typically replies within 1 month

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Rated 1 out of 5 stars

Zen Payments has been an extremely…

Zen Payments has been an extremely frustrating experience. Customer service is poor, communication is inconsistent or nonexistent, and issues are not addressed in a timely manner. When you do reach out for support, responses are slow and lack clarity.

Additionally, the fee structure feels excessive and not transparent. Charges appear without adequate explanation, making it difficult to reconcile costs or understand what you are actually paying for.

For a payment processor, reliability and clear communication are essential. Unfortunately, this has not been my experience. I would not recommend Zen Payments based on service quality and overall value.

27 January 2026
Rated 5 out of 5 stars

Junior was excellent

Junior was excellent! He was superb and walked me through the process.

12 February 2026
Zen Payments logo

Reply from Zen Payments

Thank you for your 5-star review. We’re thrilled to hear Junior provided such excellent support and took the time to walk you through the set up process.

Rated 5 out of 5 stars

Junior Was a big help!

Junior Was a big help!
Thanks

12 February 2026
Zen Payments logo

Reply from Zen Payments

Thank you for sharing your feedback. We’re happy Junior was able to assist and make a positive difference.

Rated 5 out of 5 stars

great service

great service! thank you

11 February 2026
Zen Payments logo

Reply from Zen Payments

We’re glad you had a great experience and appreciate you taking the time to share your feedback.

Rated 5 out of 5 stars

Very easy process.

I delt with one person whom followed through. He also took my calls, and got everything done when we called.

10 February 2026
Zen Payments logo

Reply from Zen Payments

Thank you for the 5-Star review! We're glad you had a great experience working with our team.

Rated 5 out of 5 stars

Best in the Business

I've worked with my fair share of payment processors and am glad to say that Zen ranks at the top. The very top.

One particular processor was downright hostile, by default, each and every person I spoke with, each and every time I called.

In addition to their incredibly condescending behavior, they often locked money up for basically no reason at all. Any reason they wanted.

Zen payments has been absolutely nothing like that.

They're the pollar opposite.

They've earned my business every single time I call. They're pleasant, knowledgeable, helpful, respectful, downright cheery too!

In a world of mediocrity, Zen payments is like an oasis in the desert.

Can't go wrong here.

I'm a fan and will be for as long as I can be.

So far, I'd say they're probably the best in the business. That's not by accident. They've earned it.

10 February 2026
Zen Payments logo

Reply from Zen Payments

Thank you so much for sharing your feedback. We’re honored to have earned your trust and appreciate your kind words about our team.

Providing knowledgeable, respectful, and responsive support is our top priority, and it means a lot to know that it shows. We’re grateful for your business and look forward to continuing to serve you.

Rated 5 out of 5 stars

Junior was super helpful and made the…

Junior was super helpful and made the process really easy.

10 February 2026
Zen Payments logo

Reply from Zen Payments

Thank you for your review. We’re glad to hear that Junior was helpful and made the process easy. We’ll be sure to share your kind words with him.

Rated 1 out of 5 stars

False hopes and lies

I want to say this company is nothing but lies. Not only kolby promised me things. He wont return my call. I have 780 credit score. He said we would be running by Monday. I called Monday. He said we should have something Tuesday. Nothing. Then he quit answering my calls. 1 week later I finally got a hold of someone. They said my merchant account wasnt approved. So why the lies

9 February 2026
Unprompted review
Zen Payments logo

Reply from Zen Payments

Mark,

Thank you for your feedback. After further review with our banking partners, we were unfortunately unable to approve the account, as the business falls outside of the products our processing banks are able to support at this time.

We always make every effort to accommodate merchants across a wide range of verticals, but in some cases we’re limited by bank requirements.

Rated 5 out of 5 stars

Gabe did a great job.

Gabe did a great job.

9 February 2026
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Reply from Zen Payments

It’s great to hear that Gabe provided a positive experience. Thank you for choosing Zen Payments.

Rated 5 out of 5 stars

Jr did a great job with helping me with…

Jr did a great job with helping me with all my problems, he did more and went out of is way to make sure i got the helped i needed. 10/10 experience thank you jr

9 February 2026
Zen Payments logo

Reply from Zen Payments

Thank you for taking the time to share your experience. We’re thrilled to hear that Junior went above and beyond to assist you. We’ll be sure to pass along your kind words, feedback like this means a lot to our team.

Rated 5 out of 5 stars

That Zen has an amazing Support System

All my concerns were addressed in just one call. So patient enough to assist me with my concerns even when I was still trying to familiarize the dashboard. So patient enough to enlighten me and educate me with the terminologies and the behavior of the system tools.

6 February 2026
Zen Payments logo

Reply from Zen Payments

We’re glad to hear all of your concerns were addressed in a single call and that our team was patient in guiding you through the dashboard and explaining the system. We appreciate your feedback.

Rated 1 out of 5 stars

Avoid Zen Payments at All Costs

Avoid Zen Payments at All Costs

My experience with Zen Payments has been deeply frustrating and unacceptable. I have been attempting to close my account for months, yet the company is withholding approximately $5,000 under the guise of a “reserve” with no legitimate justification.

To be clear, my account activity is minimal. I have had one transaction in the past six months and only three total transactions in the last twelve months, all combined totaling less than $400. There is no risk profile, no chargeback history, and no rational basis for holding such a large reserve. I was explicitly told that a human review would be conducted and that common sense would prevail. That has not happened.

Instead, Zen Payments has progressively degraded the customer experience. Initially, I was able to speak with someone by phone. Now, I am forced to submit tickets and receive generic, copy and paste responses that do not address the actual issue. This shift feels deliberate and designed to delay resolution rather than solve it.

At this point, it appears they are simply holding my funds indefinitely while offering excuses and procedural barriers. This is not how a reputable payments company operates. The lack of transparency, accountability, and meaningful customer support is alarming.

If you value access to your own money, responsive customer service, and fair treatment, I strongly recommend taking your business elsewhere. Zen Payments has proven to be unreliable, unresponsive, and deeply disappointing.

6 February 2026
Unprompted review
Zen Payments logo

Reply from Zen Payments

Hello,

We’re sorry to hear about your experience and understand your frustration. We would appreciate the opportunity to review your account and work with you to resolve this matter.

Please reach out to us at [email protected], and we will be happy to assist. Your feedback is important to us, and we are committed to improving your overall experience.

- Zen Payments

Rated 5 out of 5 stars

Junior was very helpful with a…

Junior was very helpful with a situation I had with frozen payouts. Got me back processing rather quickly. Thank you.

4 February 2026
Zen Payments logo

Reply from Zen Payments

Thank you for sharing your experience. We’re happy to hear Junior was able to help resolve your payout issue and get you back up and processing quickly.

Rated 5 out of 5 stars

Junior and Kara were very helpful in…

Junior and Kara were very helpful in the process of getting me approved and set up!!! Will recommend to others!

5 February 2026
Zen Payments logo

Reply from Zen Payments

We’re glad to hear Junior and Kara were helpful in getting your merchant account approved and set up. We appreciate your recommendation.

Rated 5 out of 5 stars

I was working with Josh

I was working with Josh, who helped me with my merchant approval. He was very polite throughout the process and extremely helpful. I will definitely recommend Josh to my friends who need assistance with merchant services.

5 February 2026
Zen Payments logo

Reply from Zen Payments

Thank you for your 5-star review. It’s great to hear Josh provided helpful, polite support throughout your merchant approval process.

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